Comprehensive motor insurance is a type of coverage that provides a wide range of protection for your vehicle in Ireland. It offers coverage for both third-party liability, which is compulsory for all drivers, as well as damage to your own vehicle. Here are some key features of the typical comprehensive motor insurance cover in Ireland:
Third-Party Liability:
Comprehensive insurance covers your legal liability for injury or damage caused to another person or their property due to an accident involving your vehicle.
Own Damage:
This policy covers the repair costs or replacement value of your vehicle if it gets damaged due to an accident, theft, fire, vandalism, or natural disasters such as storms or floods.
Personal Accident Cover:
Comprehensive insurance often includes personal accident cover, providing compensation for medical expenses or loss of life or limbs for the driver and passengers involved in an accident.
Fire and Theft:
It protects against loss or damage to your vehicle caused by fire, theft, or attempted theft.
Windscreen Cover:
Many comprehensive policies include coverage for windscreen damage or replacement.
Personal Belongings:
Some policies provide limited coverage for personal belongings inside your vehicle that are damaged or stolen.
No-Claims Bonus:
Comprehensive insurance allows you to earn a no-claims bonus for each claim-free year, which can lead to lower premiums in the future.
Additional Benefits:
Depending on the insurance provider, comprehensive policies may include additional benefits such as breakdown assistance, emergency accommodation, or alternative transport if your car is unusable.
It is important to note that policy terms and conditions may vary among different insurance companies in Ireland, so it’s advisable to review the specific policy details and coverage limits offered by your chosen insurance provider or speak to an Insurance Broker for advice on what your motor insurance policy covers.
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