Frequently Asked Questions (FAQs)

You have two options in terms of bonus protection on your car insurance policy.

Step-back bonus protection or full bonus protection.

Underwriters differ in the cover they offer towards bonus protection. Here are some examples of each underwriter’s Step-back bonus protection:

In case of a claim, your No Claims Bonus will be reduced as follows:

• Allianz/AXA/RSA/AVIVA: Stepped back by 3 years
• Red Click: Stepped back by 3 years
• Zurich/KennCo: Stepped back by 2 years

For example, if you have 5 years of no claims on your policy, it will be adjusted to 2 years for Allianz/AXA/RSA/AVIVA and Red Click, and to 3 years for Zurich/KennCo.

ALLIANZ/AXA/RSA/AVIVA – Common Product Underwriters

In the event of a claim, your bonus will be stepped back. For example, if you have 5 years no claims bonus, your no claims bonus will be stepped back to 2 years, 4 years back to 1 year etc.

If you make a claim while insured on full bonus protection, these underwriters will allow you to make 1 claim in any three-year period for an unlimited amount, without it affecting your no claims bonus. Any subsequent claim you make will affect your bonus and you will be stepped back as noted above.

Red Click

If you’re insured with Red Click on full bonus protection, you can make 1 claim in any policy period for an unlimited amount without affecting your bonus.

If you’re insured with Red Click on step-back bonus protection, you will be stepped back by 3 years – so for example 5 years to 2 years

Zurich/KennCo

If you’re insured with either of these underwriters on step-back bonus protection, you will be stepped back by 2 years, so for example from 5 years to 3 years

If you’re insured with either of these underwriters on full bonus protection, you can make 2 claims in any 3-year period for an unlimited amount without this affecting your bonus.

If you have no bonus protection on your car insurance policy, upon making a claim, your bonus will be completely lost.

By adding open drive to your policy, drivers with a full Irish, UK, or EU licence can drive your car with your permission, enjoying the same level of cover as you. To qualify, they must have a clean licence, as drivers with any penalty points, suspensions, or endorsements are not eligible. This applies to aa car insurance for Ireland.

A Standard Motor insurance policy typically covers driving of other cars. There are terms and conditions which apply to this, so you will need to confirm that you are covered by checking your documents. You can check if you are covered by viewing your certificate of insurance, which would have been emailed or posted with your car insurance disc. Cover will be noted under section 5 ‘Vehicles and classes of vehicles the use of which is covered’ of your motor certificate. If cover is included, section 5 will include a statement that reads ‘any motor car being driven, with the consent of the owner, by the insured, provided such vehicle does not belong to him/her and is not hired to him/her under a hire purchase agreement’. Terms and conditions apply to this cover, please click policy booklet here to view.

You can also check your level of cover by contacting us on aa.ie/chat.

There is no cover for driving of other cars on the AA Value Motor insurance policy. This applies to car insurances in ireland.

There is a minimum charge of €25 for temporary changes, but there may also be fees from the underwriter directly based on the information provided for car insurance.

If you miss a direct debit, there’s no need to worry. We will represent for the payment again within 11 days once it bounces. If it’s missed a second time, you will receive an email for you to contact us on webchat to discuss the missed payment with our customer service team.

You will need the car registration number, make, model, specification, engine size, value, body type, if it was imported, if it was modified in any way, number of seats and security features.

You will need the car registration number, make, model, specification, engine size, value, body type, if it was imported, if it was modified in any way, number of seats and security features.

You can update your policy to cover you to drive for work usage. To discuss what’s needed in relation to your policy, please contact us on webchat and discuss with our customer service team any changes that need to be made regarding aa car insurance in Ireland.

If you’re considering purchasing a new car and wondering how it will affect your insurance policy, please make sure you have the following information:

You will need the car registration number, make, model, specification, engine size, value, body type, if it was imported, if it was modified in any way, number of seats and any security features.

You can visit our webchat at aa.ie/chat and we will be able to tell you how much it will affect your current motor insurance policy.

Coverage details can differ across various policies, but it’s common for many third-party car insurance Ireland policies to exclude events like accidental damage, personal accidents, and loss of personal belongings. It’s helpful to remember that “Third Party” typically means it doesn’t cover the policyholder directly.

A no claim discount is essentially a reward you receive for not filing a claim on your car insurances in Ireland policy. With each claim-free year, you’ll see an increase in the discount applied to your renewal premium. However, if you do file a claim and your insurer is unable to recoup the costs from the responsible party, your no claim discount is likely to be reduced when it’s time to renew your policy.

Certainly, it’s possible to safeguard your no claim discount by paying an extra premium on your cars insurance Ireland policy. Typically, depending on your insurance provider, you’re allowed to make up to two ‘fault’ claims within a period of either 3 or 5 years without impacting your no claim discount.

If you need to make a claim, do as soon as possible by following these steps & calling AA Claims Assist on 0818 467 101.

Yes, we offer car insurance coverage for individuals aged 18 to 99 years old.