Extracted from source documents

OUTsurance Casco (own-damage car insurance) (Comprehensive Car Insurance)

Underwritten by OUTsurance DAC · Ireland

casco (own-damage car insurance) from OUTsurance for the Ireland market, with online purchase.

Verified Aug 31, 2026 · Terms dated 2024-02Sources

Online purchase

Unique selling points

OUTbonus rewards claim-free customers with 10% of paid premiums back in cash (less taxes and levies) after 3 consecutive claim-free years.

Optional roadside assistance provides up to two 24/7 emergency call-outs, 365 days a year, across Ireland and the UK.

Glass damage is repaired or replaced at full cost with no excess when using an Approved Repairer (€150 replacement / €50 repair otherwise).

Dedicated cover for electric and plug-in hybrid vehicles includes accidental damage to a home wall charger up to €650.

New-for-old replacement is provided if a car under 12 months old and under 25,000 km is written off, rather than a depreciated market-value payout.

Coverage limits

Covered

Accidental Damage to Own Vehicle

Covered

Covers accidental damage to or loss of the insured car up to its Market Value, including acts of Malicious Damage. An additional amount of up to 5% of the car's Market Value is paid for damage to declared Modifications/Accessories.

Clause 7.1.1Page 16

Section: 7. Loss or Damage to Your Car > 7.1 Accidental Damage > 7.1.1 What We Cover

We will cover Accidental Damage to or Loss of Your Car, up to its Market Value. This includes acts of Malicious Damage.

Covered

Total Loss / Write-off

Covered

If the car is stolen and not recovered, or is damaged beyond economical repair, OUTsurance pays the Market Value including declared Modifications/Accessories and spare parts. A 'New for Old' benefit replaces the car with a new equivalent if it was purchased new/as a demonstrator, the incident occurs within 12 months of first registration, and it has travelled fewer than 25,000 km.

Clause 5.1Page 12

Section: 5. How your Policy works > 5.1 How we settle loss or damage claims

If Your Car is stolen and is not found or, after it is found, is uneconomical to repair, We will pay the Market Value of Your Car, including Modifications /Accessories and spare parts.

Covered

Partial Loss / Repair

Covered

Repair or replacement costs for accidental damage that does not result in a total loss are covered up to the car's Market Value, at OUTsurance's discretion using new, OEM-equivalent or green (recycled) parts.

Clause 5.1Page 12

Section: 5. How your Policy works > 5.1 How we settle loss or damage claims

repair the insured Car at the repairer of Our choice; replace what has been Lost or damaged; pay a cash amount not exceeding the amount stated by Our repairer of choice.

Covered

Fire and Theft

Covered

Covers loss of or damage to the car due to theft or attempted theft up to its Market Value, plus up to 5% of Market Value for declared Modifications/Accessories. Cover excludes accidental damage where keys/keyless entry were left unsecured or accessible in/near an unattended car.

Clause 7.3.1Page 17

Section: 7. Loss or Damage to Your Car > 7.3 Fire and Theft > 7.3.1 What We Cover

We will cover the Damage to or Loss of Your Car due to fire, theft or attempted theft up to its Market Value.

Covered

Broken or Damaged Glass

Covered

Covers repair or replacement of the windscreen/windows and related bodywork scratches. Full cost is covered if an Approved Repairer is used; if a non-approved repairer is used, cover is capped at €150 for replacement and €50 for repair.

Clause 7.2.1Page 16

Section: 7. Loss or Damage to Your Car > 7.2 Broken or Damaged Glass > 7.2.1 What We Cover

If You use one of Our Approved Repairer(s), We will cover the full cost of repairs or replacement. If You opt for a repairer who is not on Our approved list, the coverage is capped at €150 for replacement and €50 for repairs.

Covered

Damage due to Acts of Nature

Covered

OUTsurance's Comprehensive Car Insurance covers damage due to accident, fire, acts of nature, vandalism, or theft/attempted theft, up to the car's Market Value.

Section: Comprehensive car insurance

Damage due to an accident, fire, acts of nature, vandalism, theft or attempted theft.

Covered

Malicious Damage / Vandalism

Covered

Accidental Damage cover explicitly includes acts of Malicious Damage (intentional damage inflicted by third parties who are not household members) up to the car's Market Value; the official product page also lists vandalism among the covered perils.

Clause 7.1.1Page 16

Section: 7. Loss or Damage to Your Car > 7.1 Accidental Damage > 7.1.1 What We Cover

We will cover Accidental Damage to or Loss of Your Car, up to its Market Value. This includes acts of Malicious Damage.

Optional

Roadside Assistance

Optional

Optional add-on for Comprehensive policies providing up to one hour's free roadside/doorstep labour, towing to the nearest garage, and if repairs cannot be done roadside and the customer is over 30km from home: onward public transport, a replacement vehicle for up to 48 hours, or overnight accommodation (max €35/person, €175 total). In England, Scotland and Wales, a replacement vehicle (max £100) or towing to a port (max £250) applies. Available only within Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands.

Clause 10.1.5Page 22

Section: 10. Optional Covers > 10.1 Roadside Assistance > 10.1.5 Completion of Your Journey within England, Scotland and Wales

If repairs cannot be carried out at the roadside, We will provide a replacement Vehicle for up to 48 hours. The most We will pay for this is £100 (sterling).

Optional

Courtesy Car

Optional

Optional add-on providing a courtesy car (typically an economy class 1.2 litre vehicle) via a nominated hire company for up to 14 days while the car is being repaired, or up to 21 days while a Total Loss claim is settled; not available if the only repair needed is glass damage.

Clause 10.2Page 24

Section: 10. Optional Covers > 10.2 Courtesy Car

The courtesy Car will be provided for a maximum of: the duration of the repairs if Your Car is repairable, up to a maximum of 14 days; the time for Us to settle Your Total Loss claim, up to a maximum of 21 days if Your Car is written off.

Key conditions

Repair network requirements

OUTsurance uses a network of Approved Repairer(s) that it has vetted. Using an Approved Repairer secures full-cost repair/replacement (e.g. for glass); using a non-approved repairer caps reimbursement (€150 replacement/€50 repair for glass). For accidental damage/theft claims generally, OUTsurance may repair at a repairer of its choice, replace the item, or pay a cash amount not exceeding the chosen repairer's quote, using new, OEM-equivalent or green (recycled) parts at its discretion.

Anti-theft requirements

The policyholder must ensure the car is secured with activated security devices when unattended, all windows and sunroofs are fully closed when unattended, tyres comply with legal requirements, and the car holds a valid NCT certificate where required by law. Theft cover excludes damage occurring when keys or a keyless entry system are left unsecured in, on, or near an unattended car.

Claim notification deadline

Any event that may give rise to a claim must be notified within 48 hours of it occurring. Theft, attempted theft, vandalism or any other deliberate/malicious act must additionally be reported to An Garda Síochána (or the relevant local police authority) within 24 hours.

Deductible rules

The payable Excess is the combined total of the basic Excess chosen (shown on the Policy Schedule) plus any applicable additional Excess. Only one basic Excess (the highest) applies even if a claim spans multiple OUTsurance policies. An additional €200 Excess applies to claims reported more than 48 hours after the incident where a third party was involved and the policyholder was at fault. No Excess applies to roadside assistance claims or to glass claims where the glass is repaired (not replaced).

Direct payment

Claims are settled at OUTsurance's discretion by repairing the car through an Approved Repairer, replacing the lost/damaged item, or paying a cash amount; using an Approved Repairer allows costs (e.g. glass repairs) to be paid in full directly to the repairer, whereas using a non-approved repairer caps the amount reimbursed.

Territorial scope

Full cover applies in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands. Liability cover automatically extends to the rest of Europe for up to 60 days; optional Comprehensive Cover Abroad extends full comprehensive cover to European Single Market countries (including Switzerland) for up to 90 days.

Documents

Car Insurance Policy Booklet (opens in a new tab)

Terms & conditions · PDF

Car Insurance Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

OUTsurance Terms of Business (opens in a new tab)

Other document · PDF

Policy specifics

Accidental Damage Coverage

Comprehensive Car Insurance includes coverage for accidental damage to the insured vehicle up to its market value

Source

Section: Comprehensive car insurance key features

You are covered for sudden and unforeseen damage that happens to your car without your intent or foresight up to the market value of your car.

Windscreen and Glass Damage

Covers damage to car windscreen and other glass including repair or replacement if cracked, chipped or shattered

Source

Section: Comprehensive car insurance key features

You are covered for things like damage to your windscreen - please see our policy wording for more details.

Locks Replacement Coverage

Coverage for replacement of car locks and keys up to €1100

SourcePage 1

Section: What is insured?

Locks replacement (up to €1100).

Personal Items Coverage

Coverage for lost or damaged personal items in the car caused by accident

SourcePage 1

Section: What is insured?

Personal items, we will cover the cost of any lost or damaged personal items in the car caused by accident, fire, or theft, up to €150.

Child Car Seats Coverage

Coverage for child car seats, booster seats, push chairs, prams, buggies or carrycots carried in the vehicle

Source

Section: Have a look at our other optional extras

Enjoy cover in case of loss or damage to child car seats , booster seats, push chairs, prams, buggies or carrycots up to €350.

Medical Expenses

Pays medical expenses for accidental bodily injury suffered as a direct result of an accident to anyone travelling in the car, up to a maximum of €100 per person. This is a medical expenses benefit rather than a fixed personal-accident sum insured.

SourceClause 9.6Page 21

Section: 9. Section: Extra Benefits > 9.6 Medical Expenses

We will pay for medical expenses for Accidental bodily injury suffered as a direct result of an Accident to anyone travelling in the Car, up to a maximum of €100 per person.

Driving of Other Cars (DOC) Restrictions

Third-party liability coverage when driving other cars is subject to engine size of 2000cc or less and 150 kilowatt or less for electric vehicles

Source

Section: Frequently asked comprehensive car insurance questions

Some terms and conditions apply to driving other cars such as, it must be an engine size of 2000cc or less and 150 kilowatt or less for electric vehicles.

Approved Repairer Network

Policy references Approved Repairer(s) defined as repair garages that OUTsurance has approved

SourcePage 7

Section: 2. Definitions

Approved Repairer(s): A repair garage that We have approved.

Geographic Limits - Ireland and UK

Policy cover applied in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man, and the Channel Islands

SourcePage 2

Section: Where am I covered?

Policy cover applied in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man, and the Channel Islands.

OUTbonus Claims-Free Requirement

OUTbonus reward of 10% premium cashback (less taxes and levies) requires policy to be held claim-free for 3 consecutive years

Source

Section: 10% cashback on your premium

Get 10% of your car insurance premium (less taxes and levies) back in cash when you hold your policy claim-free for 3 years.

Cooling Off Period

14 working days from policy commencement to cancel without penalty if no claims have been made

SourcePage 2

Section: How do I cancel the contract?

If you decide to cancel the policy during the cooling off period of 14 working days, we will calculate the premium for the period during which we have insured you and refund any balance.

Sources

OUTsurance Casco (own-damage car insurance)

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