OUTsurance Motor third-party liability (Car Insurance)

Loss or damage due to fire, theft or attempted theft

Cover for loss/damage to the vehicle as a result of fire, theft or attempted theft up to the market value of your vehicle

Section: What is insured? > Third party, fire, theft

Loss/Damage as a result of fire, theft or attempted theft up to the market value of your vehicle.

Medical expenses

Medical expenses for accidental bodily injury suffered in direct connection with the car up to €100 for each person

Section: What is insured? > Third party, fire, theft

Medical expenses, for accidental bodily injury suffered in direct connection with the car up to €100 for each person.

Towing and storage charges

Cover for towing and storage of your car to the nearest repairer if you cannot drive the car as a result of any loss or damage, up to €200

Section: What is insured? > Third party, fire, theft

Towing and storage charges, we will pay up to €200 for the towing and storage of your car to the nearest repairer if you cannot drive the car as a result of any loss or damage.

Liability to third parties for bodily injury, death, and property damage

Cover for injury to others and property damage caused to third parties, with unlimited cover for bodily injury and up to €30 million for property damage

Section: Are there any restrictions on cover?

There is a limit of €30 million on third party property damage on restrictions of cover.

OUTbonus - loyalty cashback reward

10% cashback on insurance premiums (less taxes and levies) after 3 consecutive claim-free years

Section: OUTbonus – get 10% cashback

The OUTbonus has landed. Get 10% of your insurance premiums ( less taxes and levies) back in cash when you hold your policy with OUTsurance claim-free for 3 years.*

Exclusion: Accidental damage to own vehicle

Third-Party Fire and Theft does not cover accidental damage to your own vehicle; it only covers fire, theft, and third-party claims

Section: What is third-party fire and theft car insurance cover?

Third-party fire and theft car insurance has many great benefits as it incorporates a range of cover that insures you against the cost of liability to others and theft of your vehicle. Third-party fire and theft does not cover accidental damage to your vehicle.

Geographic coverage limits

Policy cover applies in Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, and Channel Islands. Optional cover available in rest of Europe for up to 90 days

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.

Approved repairer arrangement

OUTsurance may arrange repairs through approved repairers with courtesy car provision during repair period for valid claims

Section: 10. Optional Covers > 10.2 Courtesy Car

If Your Car is Lost or damaged as a result of a valid claim on this policy, a courtesy Car will be provided to You by a hire company that We nominate and approve.

Excess amounts (deductibles)

The first amount you must pay for each claim made under your policy; specific excess amounts are shown in your policy schedule

Section: 5. How your Policy works > 5.2 Paying your Excess

For each and every claim You make under Your policy, You are required to pay an Excess.

Cooling-off period for cancellation

14 working days from policy inception to cancel with full refund of premium for period insured

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.