MCL Insurance Services (Ireland) Limited, trading as its4women.ie
its4women.ie
its4women.ie is a motor casco insurance for the Ireland market with online purchase and limited assistance availability.
Direct payment
Premiums for a 12-month policy term can be paid in one annual payment or spread over 8 Direct Debit instalments; monthly instalments via SEPA Direct Debit are subject to a 25% deposit and service charges.
Geographic scope
Republic of Ireland
Cover applies in the Republic of Ireland, Great Britain, Northern Ireland, the Isle of Man and the Channel Islands including sea travel between these ports; cover is automatically extended for up to 60 days in any EU/EEA member state plus Switzerland.
Unique selling points
- 10% online discount on comprehensive car insurance, capped at a maximum of €100, for new customers in the Republic of Ireland.
- Up to 65% no-claims discount available, combined with the online purchase discount.
- 100% Irish-owned online insurer with a dedicated Ireland-based customer service team and over 130,000 customers across Ireland.
- Fully digital process letting customers get a quote, buy a policy, and be covered the same day entirely online.
- its4women Rewards loyalty programme lets customers earn Reward Credits on new car and home insurance policies.
Coverage limits
Accidental Damage to Own Vehicle
Covered
No limit stated
Comprehensive cover pays for accidental damage to your own vehicle, even if you are at fault; no specific monetary limit is stated in the sources reviewed.
Total Loss / Write-Off Replacement
Covered
No limit stated
Comprehensive policies provide for replacement of the vehicle if it is damaged beyond economical repair; no specific monetary limit is stated in the sources reviewed.
Partial Damage / Repair Cover
Covered
No limit stated
Accidental damage cover under the comprehensive policy extends to repairable (partial) damage to the insured vehicle; no distinct limit stated separately from overall accidental damage cover.
Theft and Attempted Theft
Covered
No limit stated
Comprehensive cover includes theft and attempted theft of the car or its parts; separately, if car keys are stolen, replacement locks are covered up to a maximum of €500. No overall theft sum insured limit is stated.
Windscreen Cover
Covered
No limit stated
Repair or replacement of the windscreen without affecting the no-claims discount; no specific monetary limit is stated in the sources reviewed.
Natural Perils
No limit stated
No source reviewed makes a distinct statement about cover for storm, flood or other natural perils separate from general accidental damage cover.
Fire and Vandalism
Covered
No limit stated
Comprehensive cover includes fire damage and vandalism (malicious damage); no specific monetary limit is stated in the sources reviewed.
Breakdown Assistance
Optional
No limit stated
Available as an optional extra (Premier Plus / Telematics Plus), managed by MIS Group, providing 24/7/365 roadside repairs, towing to a nearby garage, key/fuel emergencies (with refund of up to 5 litres of fuel on receipt), across the Republic of Ireland, Northern Ireland and Great Britain.
Courtesy / Replacement Vehicle
Conditional
No limit stated
A courtesy car may be provided if the insured vehicle is being repaired by an its4women-approved repairer following an accident, subject to policy terms; no fixed duration or value stated.
Personal Accident Cover
€7,500 – €10,000
Premier policyholders receive a lump sum of €10,000 per person following any one accident (reduced to €7,500 if the policyholder or spouse hold other motor insurance with its4women); Telematics policyholders receive €7,500 per person (reduced to €5,000 under the same condition). Cover applies to the policyholder and spouse, 24 hours a day, in the Republic of Ireland, Northern Ireland and Great Britain.
Key conditions
Driver age and experience limit
Comprehensive cover is subject to acceptance criteria and restrictions and may vary depending on the age of the policyholder; the optional Open Driving benefit is generally available to additional drivers aged 25 to 70 with a full, valid licence and no recent claims or convictions.
Repair network requirements
A courtesy car is provided only where the vehicle is repaired by an its4women-approved repairer following an accident; use of an approved repairer is also required for windscreen repair/replacement to be covered without impacting the no-claims discount.
Territorial scope
Cover applies in the Republic of Ireland, Great Britain, Northern Ireland, the Isle of Man and the Channel Islands (including sea travel between these ports), and is automatically extended for up to 60 days in any period of insurance to EU/EEA member states plus Switzerland.
Anti-theft requirements
The reviewed sources do not state a mandatory anti-theft device requirement; they note that installing an insurer-approved tracker, immobiliser or alarm may help reduce the premium and risk of theft, but this is not described as a condition of cover.
Claim notification deadline
The reviewed sources do not state a specific claim notification deadline; claims and documentation are handled through the online customer portal, live chat, or by post to the policy administrator.
Deductible rules
Policyholders can agree to a higher voluntary excess to lower their premium; the reviewed sources do not specify standard or minimum excess amounts.
Documents
its4women Document Hub (policy documents, T&Cs and general insurance intermediary documents)
Other document
Policy specifics
Personal Accident Cover
Lump sum payment for bodily injury to policyholder and spouse following accident
SourceBreakdown Assistance
24/7 roadside assistance including repairs, towing, and emergency services
SourceDriving Other Cars Extension
Optional extension allowing third party only coverage to drive someone else's car
SourceNo Claims Discount Protection (Step-Back Protection)
Protects part of no claims discount even if a claim is made
SourceRoadworthy Condition Requirement
Vehicle must be maintained in roadworthy state to remain insured
SourceCooling-Off Period / Cancellation Right
Right to cancel policy and receive refund within specified period
SourceSources
- https://www.its4women.ie/blog-detail/car-insurance-personal-accident-cover
- https://www.its4women.ie/blog/breakdown-cover-what-you-need-to-know
- https://www.its4women.ie/blog/car-insurance-personal-accident-cover
- https://www.its4women.ie/blog/fully-comprehensive-car-insurance
- https://www.its4women.ie/car-insurance/
- https://www.its4women.ie/car-insurance/comprehensive-car-insurance/
- https://www.its4women.ie/car-insurance/motor-insurance-faqs/
- https://www.its4women.ie/car-insurance/womens-car-insurance
- https://www.its4women.ie/help-centre/car-insurance-help-centre/