Extensive cover for personal motorists. Policy cover is offered alongside or automatically included within a motor insurance policy through a broker or insurer scheme. Elements of the policy are as follows:

Uninsured Loss Recovery & Personal Injury

  • Pursuit of a claim for damages (recovery of uninsured losses) following a motor accident.
  • Pursuit of a personal injury claim on behalf of an insured person or any family members who permanently live with the policyholder, including help registering with the Personal Injuries Assessment Board.
  • Assistance in applying to the Motor Insurers’ Bureau of Ireland if the party at fault cannot be traced or is uninsured.

Motor Prosecution Defence

This section of cover does not include any prosecutions relating to minor parking offences.

  • Defence of a criminal prosecution arising from the ownership or use of the insured vehicle.

Motor Contract Disputes

  • Pursuing or defending a legal action relating to a contract for the purchase, sale, hire, service, repair or testing of the insured vehicle.

Vehicle Cloning Defence

  • Defence of a legal action arising from the cloning of the insured vehicle.

Personal Legal Advice Helpline

  • Advice over the phone on any personal legal problem under the laws of the Republic of Ireland, UK, Isle of Man or the Channel Islands.

Limit of Indemnity

  • The standard limit of indemnity is €150,000 per claim.

Territorial Limit

  • Cover applies throughout the Republic of Ireland. Certain covers also extend to EU member states and other specified countries in Europe.