What is Duty of Disclosure?
When arranging this insurance over the phone, by email, via our website or through your insurance intermediary you declared that the answers you provided were, to the best of your knowledge and belief, true and complete in every respect and that you did not make any misrepresentations.
What is a Misrepresentation?
A misrepresentation is where an individual provides fraudulent, inaccurate, misleading or incomplete information. You acknowledged the importance of answering all questions honestly and taking reasonable care not to make a misrepresentation when providing us with answers to the questions asked. Failure to do so may lead to the voidance of your policy and/or your claim not being paid at all or alternatively only part of your claim being paid to you.
What is an Alteration of Risk?
Please note that any alteration clause in the policy or any clause which refers to an alteration of risk will apply only where the subject matter of the policy has changed or altered.
What is a Material Change?
Any clause of the policy which refers to a material change will be interpreted as referring to changes that take the risk outside that which was reasonably envisaged by both you and us when the policy sale was concluded. If you are in any doubt as to whether there has been a change in the subject matter of the contract which changes the risk to something that we did not agree to cover, then please contact us.
What excess do I pay in the event of a claim?
Accidental Damage/Comprehensive: |
€300 |
Third Party: |
€0 |
Fire: |
€0 |
Windscreen |
€0 |
Theft |
€0 |
Death Liability |
€0 |
(€150 will be deducted if necessary repair work is completed by an Allianz p.l.c. approved repairer.)
Do I have windscreen cover?
Yes, all policies on the ESB Staff Insurance Scheme have unlimited windscreen cover. Call Autoglass/Allglass on 01 4090900 or Mr Windscreen 0818 512345 and they will replace or repair your windscreen and bill Allianz p.l.c. direct. No excess, no hassle!
Do I have breakdown cover?
- Yes, we have a dedicated team at Breakdown Assistance
- ROI, contact number: 01 613 3990.
- NI/UK contact number: 00353 1 6133990.
- Full cover is outlined in the motor policy document under Section 9.
Am I covered to drive somebody else’s car?
If item 5(b) is shown on your current Certificate of Insurance and Section 4 is shown on the current Schedule you are covered to drive somebody else’s car for comprehensive cover on your policy, subject to a maximum engine size of 3000cc and maximum limit of €50,000.
What is Max4Life?
Subject to policy terms and conditions, Max for Life simply means that you will not lose your no claims bonus regardless of how many claims you make! You must have selected Comprehensive cover, be over 25, hold a full licence, have earned a full No Claims Discount and be conviction free. (refer to section 6 of the motor policy document.
Is there a charge for permanent additional drivers?
If you wish to add a permanent driver, you must contact us for a quotation. There is an additional charge for provisional licence holders.
We do not charge for permanent additional drivers 25+ with a full licence. However, if driving is currently restricted to yourself and your spouse, this may result in an additional charge. Please contact us to discuss.
Motoring Abroad/ Green Card/Bail Bond
When motoring abroad we recommend that you contact us to request a Green Card. A Bail Bond is compulsory for Spain. Remember to always bring your Certificate of Insurance and drivers licence with you.
What do I need to do when changing my car?
Please contact us with the new vehicle details: Registration Number, Make/Model, engine size, value, drivers and inform us prior to collecting your new vehicle.
Who is the scheme open to?
The Scheme is open to ESB Staff/Retired Staff/Spouses
I don't have an Irish licence. Can I get the Penalty Point Free discount?
No. Unfortunately, as penalty points are only applied to Irish driving licences at present, you cannot get a penalty points free discount on your policy
I have been a named driver on someone else’s policy, do I qualify for a No Claims Discount?
Yes depending on the number of years driving experience and claims experience. Please contact us to discuss
Do I need to inform you if I receive Penalty Points?
Yes all Penalty Points must be advised as this is a material fact (please refer to Material Fact and Duty of Disclosure at the top) and may affect your premium.
Can an additional driver be a main user of my vehicle?
No. This is referred to as “fronting”. If it comes to light that an additional driver other than your Spouse/Partner is the main user of the vehicle, (e.g. your son/daughter is using the vehicle to drive to work/college and has become the regular driver) the insurer may void the policy from inception and refuse to deal with any claims.
"Fronting" is the accepted word in the insurance industry to describe when a young person pretends that his/her car is owned and 'mainly driven' by someone else, usually a parent or other relative. They get the parent or relative to insure it in their name and to declare the young person as an occasional driver on the proposal.