OUTsurance Designated Activity Company (OUTsurance DAC), trading as OUTsurance

Territorial scope

Cover applies in the Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands; liability cover extends to the rest of Europe for up to 60 days, and the optional Comprehensive Cover Abroad benefit extends full cover to Europe for up to 90 days

Driver restrictions

No cover applies for any driver not insured under the policy, without a valid licence to drive in Ireland, driving on a learner permit without a qualified accompanying driver, not meeting licence conditions, disqualified from driving or who failed to disclose penalty points/convictions, or a motor trade employee driving the car while it is being repaired, serviced or overhauled

Claim notification deadline

You must immediately notify OUTsurance of any event that may lead to a claim; in the case of theft, attempted theft, vandalism or other deliberate/malicious acts, the event must be reported to An Garda Síochána (or relevant police authority) within 24 hours

Bonus-malus rules

OUTsurance does not operate a traditional No Claims Discount (NCD) scale. Instead, it states: "At OUTsurance, we don't believe a No Claims Discount scale is necessary to give a competitively priced insurance premium," and instead prices premiums individually from the outset, giving customers switching from other insurers full credit for their claims-free years. Customers continue to build claims-free years while insured with OUTsurance and receive a full No Claims Bonus Certificate detailing claims-free years (with OUTsurance and prior insurers) if they leave, which can be used to obtain an NCD with a future insurer. Separately, OUTsurance offers the 'OUTbonus' loyalty reward: after three consecutive claim-free years, policyholders receive 10% of their paid insurance premiums (excluding taxes and levies) back in cash, with a new OUTbonus cycle starting immediately after payout.

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

Medical expenses

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

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

OUTbonus - loyalty cashback reward

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

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

Approved repairer arrangement

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

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

Cooling-off period for cancellation

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