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What is car hire excess insurance ?

When you hire a car, you will be offered standard road traffic act insurance.

This will cover damage to the car and any liability to third parties.

The excess is the initial amount which you must pay out in the event of a claim.

The insurer pays the balance.

For example, if you cause damage to the car of €6500 and the excess is €1500, the insurer will pay €5000 and you will pay €1500.

Many car hire companies push the excess to the limit in order to appear to offer cheaper insurance.

The initial premium may cost less, however, in the event of a claim, you are left to pay out a larger amount, as excess.

Car hire excess cover is designed to cover this shortfall.

Should I just buy car hire excess cover from my car hire company?

No If you do you will usually end up paying more.

Always shop around for car hire excess insurance.

Also, the cover you get from the car hire company will only cover that single hire period.

By arranging your insurance through us, we can provide annual cover, so that the premium you pay will protect you for the whole year.

Much better value and much less trouble.

What happens if there is a damage to a hired car ?

If the unfortunate happens, and you end up with a damaged hired car, the car hire company will charge your credit card.

You then submit a claim for reimbursement to your car hire excess insurance provider and you will receive payment as per the terms of the policy.

Make sure that you keep all of the original receipts for all payments you made under the excess.

You will need them when submitting your claim for payment under the car hire excess policy.

That way an unexpected loss will not blow your holiday budget.

What should I do next?

You can call us on 1890 666 666 to speak to one of our experts

or click on the call me back button and we will call you at a time which suits

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Obtaining motorhome or campervan insurance in Ireland can be challenging.

It is important to get value for your premium.
Make sure that the policy is designed to meet your particular needs. Our fully qualified experts can help you to choose the best value insurance policy that suits you.

(image courtesy L2F1.)

What factors should I take into account when choosing motorhome or campervan insurance ?

First of all decide what type of cover gives you the best protection. There are three levels available, third party, third party fire and theft, Fully Comprehensive.

I have been driving for over ten years without an accident,

will I get cheaper motorhome or campervan insurance because of this?

Yes, insurance providers take into account a number of factors when deciding on the premium due and no claims bonus is one of the most important ones.

Security, storage and the value of the contents are other matters to consider.

What contents cover should I include ?

Make sure you cover your contents. Get an up to date valuation for big ticket items.

Make sure that the policy includes cover for your awning and caravanning equipment.

If you don't take out contents cover you could be faced with a very large bill in the event of an accident.

Does my annual mileage affect the premium I pay?

Yes. Annual mileage is a factor.

What if my motorhome or campervan breaks down on holidays?

That's where breakdown insurance comes to the rescue.

We will help you choose the one that protects you best.

I drive abroad a lot, will your policy cover this?

Yes. We can arrange policies that cover most possibilities.

You should make sure that you give us as much information as possible so that we can get you the best fitting policy.

Can I spread the cost?

We can arrange a monthly repayment schedule to help spread the cost.

Please complete the online quotation form and we will compare a selection of the available motorhome insurance policies in Ireland to choose your best policy.

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Private Motor Insurance

It is a legal requirement in Ireland to have motor insurance if you want to drive your car in a public place and you must produce a current Certificate of Insurance to pay motor tax. Failure to have motor insurance when driving in Ireland is a very serious offence and drivers will incur fines, penalty points and may be disqualified from driving.

Motor insurance is about protecting other road users as opposed to the driver of the insured vehicle and it is not an optional extra.

mypremium.ie can advise you on the best type of cover most suitable for you and your car.

The three main types of insurance are:

Comprehensive

This is the most expensive type of insurance on the market and covers you for almost every eventuality: any damage done to the vehicle regardless of how it was incurred; life/accident insurance; loss of personal belongings from the car; the cost of a hired car if the insured car is off the road as a result of an accident; windscreen breakage, etc. It is best to comprehensively insure a brand new car.
Third party, fire and theft

This is the most popular form of motor insurance in Ireland. It covers you for loss of the vehicle through fire or theft and for any loss as a result of attempted fire or theft. Damage to property is also covered. There are also optional extras available such as windscreen breakage.
Third party

This is the minimum cover required by law, but it does have restrictions and limits, leaving you open to substantial loss in the event of an accident. If you are at fault, then only your passengers and the driver and passengers of the other vehicle will be compensated. This type of insurance provides no cover for damage sustained in an accident to your car or if your car is stolen or goes on fire.

Start your car insurance quote today.

We deal with the top insurance providers in Ireland.

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Our aim is to make it easy for you to arrange insurance cover for your caravan.

Whether you are a first time caravan owner, or a seasoned caravan enthusiast we will explain what cover you need and we will arrange a caravan insurance policy that is tailor-made for your individual requirements.

When we buy a caravan in Ireland, we think of the many hours of pleasure that await us.

We, understandably, give no thought to the risks and liability involved in owning and travelling with a touring caravan. It is important to protect your caravan by arranging a suitable insurance policy, as soon as you buy your caravan.

If your insurance is due for renewal, get a quote from us before you renew.

Is caravan cover easy to obtain in Ireland?

There are not as many providers of caravan insurance in Ireland as, for example, providers of car insurance.

It is relatively easy to obtain through our web site.

Just fill in the quote request form and one of our qualified experts will help you decide on your best policy.

No pressure, just valuable guidance, that could save you a lot.

What type of policies are available for caravan owners in Ireland?

The caravan world is divided in two for the purpose of insurance, touring caravans and static caravans or mobile homes.

We will deal here with the touring caravan. This is the caravan that is towed behind your motor vehicle.

For information on static caravans or mobile homes see here>>>.

You should also consider motor breakdown insurance for added peace of mind See here>>>

When you think of it, you are towing a large valuable asset behind you at speed in the dangerous environment of the open road.

The risks include :accidents, collisions, high winds, unbalanced loading, and also fire and theft.

The touring caravan insurance is aimed at protecting against these type of risks.

Against what risks does my caravan insurance cover me ?

Your Trailer Caravan policy protects your Trailer Caravan against Physical Loss or Damage to:

The Structure, Fixtures, Fittings and Equipment of the Mobile Home/Trailer Caravan including outside gas cylinders.
Contents and Personal Effects and Luggage whilst contained in or about the Mobile Home or Caravan Trailer.
Transport Costs Following Damage. The policy will cover reasonable costs for removing the Trailer Caravan to the nearest repairer and the re-delivery to your home address or fixed site in Ireland after repairs which are covered under the terms of the policy.

What's excluded in the insurance policy for my touring caravan ?

The excess is excluded. This is the amount that you have to pay towards the cost of the damage. In most policies this is €150.

Loss of use is normally excluded in most policies.

Normal wear and tear is not covered.

On a standard policy, any damage incurred while the caravan is let or hired for reward is excluded.

You should try to use drive on drive off ships at all times, where possible as damage caused during the loading or unloading process from other ships is not covered.

Make sure that you securely anchor your caravan during the period 1^st November to 31^st March, inclusive. If loss or damage is incurred, it will be excluded, if you don't.

This is just a quick summary, and you should examine each policy in detail, to familiarise yourself with the extent of the cover provided.

If you want further information contact us by clicking on the call me back button and filling out the call back form.

Start your quote today using the quote button above.

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photo courtesy ifor griffiths.

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