- Am I entitled to a No Claims Bonus if I have been named driver on someone else’s policy in the past?
- If I purchase a second vehicle, can I use my No Claims Bonus twice?
- Can I drive another person’s car if I am a named driver?
- Am I entitled to a No Claims Bonus if I have been named driver on a company car provided by an employer?
- What does the term “excess” mean on my policy?
- Do I have “open driving” if I have a comprehensive policy?
- What does “DOC” mean?
- Can I cancel my policy?
- After I take out a policy on line, what do I do next?
Am I entitled to a No Claims Bonus if I have been named driver on someone else’s policy in the past?
Yes, you will be entitled to a No Claims Bonus according to the number of full years that you have been named driver. You will be required to provide evidence of continuous driving over this period by means of letter from the insurance provider.
No, the No Claims Bonus has to stay with one vehicle at a time. If you were to change your car the No Claims Bonus can transfer to the new car – i.e. you earn a No Claims Bonus per car not driver.
No, only the policyholder can drive other cars, provided that the certificate of insurance states the policyholder may drive other cars. The cover under this extension is always only third party, if it applies.
Am I entitled to a No Claims Bonus if I have been named driver on a company car provided by an employer?
Yes, if you had full time use of the company vehicle and are now coming off a fleet policy you will be allowed the appropriate No Claims Bonus, according to the number of years named driving experience. To qualify for this discount you need to obtain a letter from your previous employer stating you had full time use of a company vehicle with no claims for the period you were driving. You will also need a letter from the insurer stating that there were no claims recorded against you while you were on the policy.
All policies carry an excess. This refers to the initial amount of a claim that your policy does not cover – e.g. if you have an excess of €250 and you are making a claim of €3000 the insurance provider settling the claim will issue you with a cheque for €2750. This is the claim amount less your excess. Under some polices it is possible to reduce your premium by voluntarily increasing you excess.
A comprehensive policy does not automatically include open driving unless specifically requested from your insurance provider.
DOC means Driving Other Cars. This extension is not available on all polices. Where is does applies it allows the policy holder to drive another car provided the car is not owned by them, their spouse, an employer or hired by them. This cover will always only be third party cover.
A policy can be cancelled at any time provided the insurance certificate and disc is return to the insurance provider accompanied by a letter requesting the cancellation of the policy. The cancellation will only be effective from the date the certificate and disc are received.
Simply print off the proposal from, sign it and post it to Firstquote.ie, Sandymount Village Centre, Sandymount, Dublin 4. This must be done within 14 days of placing the cover on line.
In the case of motor insurance you will need to enclose your original no claims bonus and a copy of your driving licence.