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Car Insurance Frequently Asked Questions
- Am I entitled to a no claims bonus if I have been a named driver on someone else's policy in the past?
- If I purchase a second vehicle, can I use my no claims bonus twice?
- Can I drive another person's car if I am a named driver?
- Am I entitled to a no claims bonus if I have been a named driver on a company car provided by employer?
- What is does the term Excess mean on my policy?
- Do I have Open Driving if I have a Comprehensive policy?
- Can I cancel my policy?
- What is DOC?
- Does Comprehensive cover provide a benefit if I am injured myself?
- Second car in Family?
- Does Comprehensive cover provide a benefit if I am injured myself?
Am I entitled to a no claims bonus if I have been a named
driver on someone else's policy in the past?
Yes, you will be entitled to a no claims discount, according to the number of full
years that you have been a named driver. You will be required to provide evidence
of continuous driving over this period by means of a letter from the past insurance
company.
No, the no claims discount has to stay with one vehicle at a time. If you were to change the car, then the no claims bonus can transfer to the new car i.e you earn a no claims bonus per car not driver.
No. The policyholder is the only one who can drive other cars not owned by them provided that the certificate of insurance states the policyholder may drive other cars. The cover under this extension is always third party only if it applies.
Yes, if you had full time use of company vehicle and are now coming off the fleet policy to purchase your own car, you will be allowed the appropriate no claims bonus, according to the number of years named. To qualify for this discount you will need to obtain a letter from your previous employer stating you had full time use of a company vehicle with no claims and the period of time that you were driving. A letter from the insurer is also required stating that no accidents or claims were recorded in the last X number of years against you while on their policy.
All policies carry an excess. This refers to the amount that your policy does not cover. E.G. if your 'excess' is '125 and you are making a claim for '2,000 the insurance company settlement cheque will be for '1,875. In some instances, it may be possible to increase the policy excess voluntarily which may result in a premium discount.
No. Comprehensive cover provides cover for accidental damage to you car. Open driving must be specifically requested from your insurance company i.e. you can have a comprehensive car policy with the insurer and spouse only covered to drive the car.
A policy can be cancelled at any time by sending written confirmation, including the certificate and disc, to the insurance company or us. The date of cancellation will only be effective from the date the certificate and disc are received.
DOC means Driving Other Cars. This extension is not available on all policies but where it applies it allows the policy holder to drive another private car that is not owned by them, owned by a spouse, owned by an employer, or hired by them. The cover provided by this extension is always third party only.
Where your spouse/partner has a car insured in their own name or that they have the full time use of a company car, you can qualify for a discount by providing details of your spouse/partner's car details.
Usually not. Usually a comprehensive policy will cover injury to Third Parties, damage to Third Party Property and loss of or damage to your own car including fire and theft. Many comprehensive policies also provide windscreen breakage cover. A separate personal accident policy can be arranged to cover you in the event of an injury, where requested.
What security do the insurance companies you deal with have?
All the insurers on our panel are regulated by the Financial Regulator.
Do insurers hold your quotation details?
No. The details are only provided to the insurer that you choose to proceed with
for the insurance cover.
Is it safe to input my credit card details on-line?
Yes, we use the latest in encryption technology through SSL which guarantees that
any personal information or credit card details that you have input on our website
is protected. On-line purchase could not be made safer.
If, however, you do not feel comfortable with entering your card details on-line,
please call us on 1890 30 20 20 and we will take these details over the telephone.
If I apply to go on cover and the system won't process it, what happens next?
You will receive a phone call or e mail from us on the next working day seeking
additional information required to process your case. Occasionally this may happen
if there were previous claims or if there is something non standard with the case.
After I go on cover on line, what do I do next?
Simply print off the proposal form, sign it and post it to Chill.ie, Carraig House, Brookfield Terrace, Blackrock, Co. Dublin. This must be done within 14 days of placing the cover on line.
In the case of motor insurance you will need to enclose your no claims bonus, a copy of your driving licence and your NCT certificate if applicable.
Elstwell Ltd trading as Chill is regulated by the Financial Regulator.
