Motor third-party liability

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Feature / category	Aviva May 19, 2026 Open details
Overview
Insurer	Aviva Insurance Ireland Designated Activity Company
Online purchase	Yes
24/7 helpline	Yes
Billing basis	annual
IPID	IPID
Terms & conditions	Terms & conditions
Coverage
Bodily injury liability	unlimited
Property damage liability	€30,000,000
Legal defence	Covered
Green card	Covered
Passenger accident	Optional
Key conditions
Territorial scope	Cover is provided for events occurring in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man or the Channel Islands during the period of insurance. The policy is automatically extended to provide full policy cover within EU member states and countries meeting EC Directive 2009/103/EC requirements for up to 31 days in any period of insurance (endorsement PC69). Breakdown Rescue (Section 6) does not apply outside the Republic of Ireland, Northern Ireland and Great Britain. Driving other cars (Section 2D) does not apply when abroad.
Green card rules	A Green Card (international motor insurance certificate) is provided free of charge on request; the policyholder must request it at least one week before travel. For EU travel, full policy cover is automatically extended for up to 31 days under endorsement PC69 without a Green Card. A deal between Irish and UK authorities means no Green Card is required for Northern Ireland or mainland UK travel. Endorsement PC69 (Foreign use) applies for the period shown on the issued Green Card and also covers customs duties and Spanish Bail Bond costs where applicable.
Driver restrictions	Any person whose driving is covered by the policy must hold a valid licence to drive the vehicle and must not have been disqualified from holding that licence. They must comply with all restrictions, conditions and limits of their driving licence. Learner permit holders must at all times be accompanied by a full driving licence holder. Endorsements PC1–PC4 may impose additional requirements (e.g. full EU or UK licence, age restrictions 25–70). Driving other cars cover (Section 2D) requires the cover to be shown on Section 5(b) of the certificate and applies to private cars only (not vans, commercial vehicles, campers, taxis). All drivers must reside in the Republic of Ireland. No cover operates if any driver has an alcohol/drug level above the legal limit or a prosecution pending under the Road Traffic Acts.
Claim notification deadline	The policyholder or any insured person must notify Aviva immediately about any event that may give rise to a claim, providing all details required. They must immediately notify Aviva if they become aware of any prosecution or inquest in connection with the event. No admission, denial, negotiation or settlement of a claim may be made without Aviva's written permission. All documents, proof, information, letters, legal summons or similar documents must be sent to Aviva as reasonably required. Full co-operation with Aviva's investigation and handling of any claim is required.
Bonus malus rules	No-claim discount (NCD) is allowed provided no claim is paid in any period of insurance. Maximum NCD is 50% (reached after 5 consecutive claims-free years: 1 year=10%, 2 years=20%, 3 years=30%, 4 years=40%, 5 years=50%). If a claim is paid, NCD reduces to 0% at next renewal. Optional step-back protection (PC208) reduces NCD stepwise rather than to nil on a single claim. Optional protected NCD (PC302/PC302A) allows up to two unlimited claims in a three-year period without loss of NCD (further restrictions apply thereafter). NCD protection does not protect the premium from increasing. Fire, theft, windscreen, replacement lock cover and personal belongings claims do not affect NCD. NCD is earned per car separately and cannot be transferred to another person.
Proof and next steps
Direct payment policy	Aviva pays third party bodily injury claims directly to the injured party or their legal representatives as required by the Road Traffic Acts. Property damage is paid to the third party up to €30,000,000. Where Aviva is required by law to make a payment it would not otherwise have made, it reserves the right to recover that outlay from the policyholder and/or the driver of the vehicle.
Last verified	May 19, 2026