Policy Document

ROI Direct Customers
March 2023
Car
Insurance
Policy
Defined terms are highlighted in bold blue see pages 8/9 for their meanings 1
The only number
you need
0818 7 365 24
Customer Service
Call us on the number shown above. Alternatively, just
drop into your local branch.
Claims
Please call the 24-hour claims helpline shown above.
Motor Rescue
Your policy schedule will show if you have chosen this
cover. If you need breakdown assistance (day or night),
call the number shown above.
Misfuelling
(Comprehensive policies only) In the event that you
have put the wrong fuel into your car call the number
shown above for assistance.
Outside the ROI

If you are calling from outside the ROI, please use this
number:
+353 1858 3200
Text messaging is available for use by deaf, hard of hearing

or speech impaired customers in a breakdown or misfuelling
situation. Please text the word “breakdown” to +353 873700687.
Welcome to your car
insurance policy
Thank you for choosing AXA as your insurer. We are one of the largest insurance
groups in the world. Here in Ireland, we meet the insurance needs of more than
1,000,000 people.
You chose us because you need protection. You also want a level of service second
to none and, if you need help with claims, we will be there when you need us most.
This is your policy document. It represents the contract that we have made with
each other. We appreciate insurance can be a complicated business so we have
designed the layout to make it as easy as possible to follow.
Please read it carefully and if you have any questions, please contact us in the way
that suits you.
Need to find
something quickly?
If the question is... then look at page
I’ve had an accident, what do I do? 11
Can you settle ‘third party’ claims without my agreement? 10
I’ve just received a letter saying I caused an accident, do I reply? 11
How do I claim if my car is stolen? 12
Some personal belongings were stolen from my car, am I covered? 16
What’s my excess? 20
How do I find out if I can drive someone else’s car? 28
I don’t understand my ‘no claims discount’, where do I look? 32
My car broke down, have I got ‘car rescue’ cover? 41
I’ve lost my car keys, am I covered? 43
And if your question is one of these...

I want to change my car, how do I do this?
I’d like to change my cover, who do I contact?
What do I do if I want to add or delete drivers?
I’ve moved house, do I need to let you know?
I’m changing jobs, is my insurance cover affected?
I’ve had penalty points added to my licence, does this affect my premium?
Please ring us on 0818 7 365 24 or contact your local

branch and we’ll give you the answer. You can manage your
policy online by registering for MyAXA at www.axa.ie
Table of Contents
Caring For You 6
General definitions 8
General conditions 10
Section 1: Loss and damage to your car 15
Section 2: Broken glass 25
Section 3: Medical expenses and emergency treatment 26
Section 4: Towing 27
Section 5: Liability to others 28
Section 6: Foreign use 30
Section 7: Our right of recovery 31
Section 8: No claims discount 32
Section 9: Protected no claims discount 34
Section 10: Replacement car 36
Section 11: Legal assistance 38
Section 12: Car and Key Rescue 41
Section 13: Injury to driver 46
General exceptions 48
Caring For You
There may be times when you feel you don’t get the service you expect from us.
Here’s our complaints process to help you.

▶ For a complaint about your policy, contact your local AXA Insurance branch.
▶ For a complaint about your claim, contact our claims action line on 0818 7 365 24.
If we can’t sort out your complaint, you can contact our Customer Care Department on 0818 505 505
or:
▶ Email: [email protected]; or
▶ Write to AXA Insurance, Customer Care,
Freepost, Dublin 1.
If you’re unhappy with how we’ve dealt with your complaint,

you may be able to refer to:
Financial Services and Pensions Ombudsman,

Lincoln House, Lincoln Place,
Dublin D02 VH29.
Tel: +353 1 567 7000.
Email: [email protected]
Web: www.fspo.ie
Our promise to you:
We’ll reply to your complaint within five days.
We’ll investigate your complaint.
We’ll keep you informed of progress.
We’ll do everything possible to sort out your complaint.
We’ll use feedback from you to improve our service.
Your policy wording
This document and any endorsements that are included in it sets out your and our rights and
responsibilities.
The insurer your contract is with is AXA Insurance dac which is established in the Republic of Ireland.
Both you and we can choose the law within the European Union which will apply to the contract. We
propose that Irish law will apply.
The cover you have bought has many benefits to give you peace of mind. However, as with all insurance
contracts, there will be circumstances where cover will not apply. These are shown in this document.
Please read your policy carefully and keep it in a safe place. Your policy includes:
▶ The policy wording in this document
▶ The schedule that has your details and the cover that applies; and
▶ Any endorsement which applies
Unless a section or part of this policy shows the countries to which it applies, the cover provided by this
policy applies only in the Republic of Ireland and the UK or in transit by sea between any ports therein.
As long as you have paid or agreed to pay the premium, cover as described in the following pages for
the sections you have chosen applies during the period of insurance set out on your schedule.
On behalf of AXA Insurance dac
Marguerite Brosnan Chief Executive

AXA Insurance dac Registered number 136155
Registered office Wolfe Tone House, Wolfe Tone Street, Dublin 1.
General definitions
Throughout the policy whenever the following words or phrases appear in bold blue they will have the
meaning as described below:
Approved Repairer
A repairing garage appointed by us.
Certificate of insurance
The document that proves to the authorities that you have insurance which complies with the law.
It shows:
▶ Who is insured to drive
▶ The car that is insured
▶ What type of use the car is insured for
Charge point
Any public or private energy source connection solution where the electric vehicle (EV) you are driving,
if covered to do so under this policy, can be recharged.
Endorsement
An alteration to the terms of the policy. It may be included in this document or on your schedule or
may be issued separately.
Europe, European
▶ Member states of the European Union (EU) and
▶ Member states of the EEA (Iceland, Liechtenstein and Norway) and
▶ Switzerland
Excess
The amount of a claim not covered by this insurance and for which you are responsible.
Market value
The cost of replacing your car with another of the same make, model, age and of a similar mileage
at the time of loss. Modifications are excluded from the calculation unless we knew of them when
agreeing cover.
General definitions
Period of insurance
The period from the start date to the end date of your policy as shown on your schedule and
certificate of insurance.
Policy
The contract of insurance between you and us based on the answers you have given to questions we
have asked and/or your statement of fact / proposal form and consisting of the policy schedule, this
policy document and any endorsements included.
Schedule
The document which sets out your details, the dates of cover, the sections of the policy that apply and
any excesses or endorsements. The schedule forms part of this policy.
Statement of Fact / Proposal Form
A written record of the information provided by you, or someone acting on your behalf, in your
application for this policy. It includes information provided in writing (including online) or spoken by
you or by the person acting on your behalf.
UK
England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.
We, our, us
AXA Insurance dac.
You, Your
The policyholder named in the schedule including parties jointly described.
Your car
The car whose registration number appears on the current certificate of insurance.
General conditions
This policy is only valid if:
▶ The information you provided in the answers you have given to questions we have asked and/or, as
recorded on your statement of fact / proposal form and declaration, is correct and complete, and
▶ You, or anyone claiming protection, have complied with the policy conditions.
If you do not comply, we may cancel the policy or refuse to deal with your claim or reduce the amount
of a claim.
We may revise the terms, conditions or benefits set out in this document but if we do we will give you
written notice.
1. Cancelling the policy
To cancel the policy, just advise us by phone, in writing or through MyAXA and return your certificate
of insurance and insurance disc. We will refund premium on the following basis:
▶ If you request cancellation within 14 working days of the date upon which we inform you the policy
has been incepted, we will refund the full premium.
▶ Otherwise, we will issue a refund based on the unused days left to run on the policy, less an
administration fee, provided you have not claimed or been involved in any incident likely to result in
a claim during the current period of insurance. We will not refund an amount less than €15 after we
charge the administration fee.
We will not refund your premium if you are paying it under an instalment scheme (unless you made an
overpayment).
We, or our authorised agent, may cancel this policy by giving you 10 days notice in writing to your last
known address and we will inform the Department of Transport. You must then return the certificate of
insurance and Insurance Disc.
2. Paying by instalments
If you are paying, or have agreed to pay, the premium by direct debit from a bank or building society
account, you must keep your payments up to date. If you do not, we will withdraw the option to pay
by instalments or cancel the policy (or both). You must then return your certificate of insurance and
insurance disc.
3. Handling claims against you
We may take over and deal with the defence or settlement of any claim in the name of you and/or the
driver.
General conditions
4. Changes to your policy
This policy is based on the factual information you provided. These facts are represented by the
answers you have given to questions we have asked and/or the proposal form you completed and/
or the statement of facts we last issued. If any of these facts have changed you must let us know
immediately otherwise cover may not operate.
If you are not sure whether or not certain facts are important, please ask us.
We have the right to accept or decline changes to your policy and we may charge an additional
premium including an administration charge.
If a change to your policy, including the administration charge, results in:

▶ A return premium of less than €15, we will not refund it
▶ An additional premium of less than €15, we will not charge it
5. If you choose not to or cannot drive your car
If your car is laid up and out of use, you can suspend your cover by returning your certificate of
insurance and insurance disc.
We will suspend cover from the date we receive the certificate of insurance and insurance disc. If the
policy covers fire & theft, this cover (fire & theft) only, will remain in force.
We will refund 75% of the premium for the period of suspension (80% if cover is Third Party only) as
long as:
▶ There were no claims since last renewal and none are registered or pending
▶ The policy is suspended for more than 28 days
You must pay any outstanding premiums due during a period of suspension, by the due date, including
any instalment payments.
6. Claims procedure
You or your legal representative must give us full details by phoning the claims helpline (0818 7 365
24 or 003531 8583200) within 48 hours, after any event which could lead to a claim under this policy. If
there is an accident, you must immediately do whatever you can to protect the car and its accessories.
There may be circumstances where we need other details in writing. You must also immediately send
us any letters and documents you receive in connection with the event without replying to them.
If you know of any prosecution, coroner’s inquest or other proceedings you must tell us immediately.
You, and anyone insured by this policy, must not admit anything or make any offer or promise about a
claim, unless you have our written permission.
General conditions
You must also give us or our appointed representative any information and help we need and provide
any documents we require to investigate the claim.
You must obtain names and addresses of any witnesses at the scene of the accident.
The registration and insurance details of the car you were driving should be provided to any other party
involved and also the appropriate law enforcement authorities if requested.
If any person is injured, the accident must be reported to the appropriate law enforcement authorities
whether they attend the scene or not.
If you are involved in an accident with a visiting motorist, report the accident to the Motor Insurer’s
Bureau of Ireland, 5 Harbourmaster Place, IFSC, Dublin 1, D01E7E8.
Tel: +353 1 676 9944 | Fax: +353 1 676 1108
Email: [email protected]
If your car is stolen, you must tell us as soon as possible by phoning our claims helpline on 0818 7 365
24. You must also tell the appropriate law enforcement authorities
7. Looking after your car
You must do all you can to prevent injury to other people and protect your car and keep it in a
roadworthy condition. If you do not do this, your right to claim under your policy may be affected.
You must let us examine your car at any reasonable time if we ask to do this.
You should ensure that:

▶ Your car is locked and security devices activated when your car is unattended
▶ All windows and sunroofs are fully closed when your car is unattended
▶ Tyres on your car are within the legal requirements
▶ Your car has a valid NCT certificate if required by law
8. Other insurance
If you make a claim that is also covered by another insurance policy, we will only pay our equitable
share of the claim.
9. Getting our claims costs back
If we think someone else is at fault for a claim that we pay, we may follow up that claim in the name of
anyone claiming cover under this policy to recover the payments that we make.
If, under the law of any country in which you are covered by this policy, we have to pay a claim which
we would not normally have paid, we may seek recovery from you or from the person responsible.
General conditions
10. Misrepresentation and Deception
Definitions:
▶ Misrepresentation is when someone makes a statement which is not correct to another person. A
misrepresentation may be innocent, negligent or fraudulent.
All of the information which you gave us and all of the answers you have provided to the
questions which we asked you leading to the inception of this contract of insurance have effect as
representations made by you to us.
▶ Deception is where false information is used to make an unfair or unlawful gain.
You must not act in a fraudulent way.
Negligent Misrepresentation
If you have made a negligent misrepresentation and a claim arises, we may:
(a) Avoid the contract and return your premium if we would not have entered into the contract under
any terms
(b) If we would have entered the contract but on different terms, treat the contract as if those different
terms apply
(c) If we would have entered the contract but at a higher premium we may reduce proportionately the
amount to be paid on any claim
If you have made a negligent misrepresentation and no claim has arisen we may terminate the contract
on reasonable notice to you.
Fraudulent Misrepresentation
If a claim is made and if any answer given by you to us involves a fraudulent misrepresentation or
where any conduct by you (relative to the contract or the steps leading to its formation) involves fraud
of any other kind we may avoid this contract of insurance.
Fraudulent Claims
If you or anyone acting for you:

▶ Makes a claim under the policy, knowing the claim is false or misleading; or
▶ Makes a claim for any loss or damage deliberately caused by you or a person covered to drive your
car or with your knowledge
▶ In connection with a claim makes a statement to us or anyone acting on our behalf, knowing the
statement is not true
▶ In connection with a claim sends us or anyone acting on our behalf a document, knowing the
document is false
We may take one or more of these actions as well as our other rights:
▶ We will not pay the claim
▶ We may avoid the policy with effect from the date of the fraudulent claim or fraudulent act
▶ We will not return your premium
▶ We will consider letting the appropriate law enforcement authorities know about the circumstances
General conditions
If you commit a fraudulent act on any other policy, then we may:

▶ cancel this policy
▶ consider letting the appropriate law enforcement authorities know about the circumstances
11. Dispute Resolution
Any disagreement that we have with you and that we cannot settle between us may be referred to the
Financial Services and Pensions Ombudsman.
If the Financial Services and Pensions Ombudsman will not deal with the disagreement, we may agree
to refer the dispute to arbitration or mediation. The arbitrator’s decision will be final and binding.
If you wait more than a year to do this, you will be considered to have abandoned your claim and you
cannot take it up again.
12. Payment
Any money paid under this policy will be paid in Euro in the Republic of Ireland.
We have paid or will pay stamp duty to the Revenue Commissioners in line with the conditions of
section 19 of the Finance Act, 1950, as amended.
13. Driving Licence Conditions
No cover will apply under this policy for any driver who is not meeting the conditions of his/her driving
licence/learner permit. This includes conditions relating to the class of vehicle being driven or any other
restriction or condition that may apply.
14. Open Driving
Where the policy includes optional Open Driving cover this covers drivers aged 25 to 70 who hold the
correct category of full driving licences issued by:
▶ European countries
▶ “Licence Exchange States” recognised by NDLS (provided holder is resident here no longer than 12
months)
SECTION 1
Loss and damage to your car
Comprehensive Cover
Under this section, comprehensive covers loss or accidental damage to your car. Your
schedule will show if you have this cover.
What’s covered?
We will pay for:

▶ Loss of or damage to your car, (not exceeding its market value), and its accessories in or attached
▶ The reasonable cost of protecting and removing your car to the nearest competent repairer, and
▶ If your car is repaired in the Republic of Ireland, the reasonable cost of delivering your car back to
your address
This will involve:

▶ Repairing your car in an AXA approved repairer or one of your choice, or
▶ Replacing what is lost or damaged, if the cost of repairing it would be more than it costs to replace;
or
▶ Paying the cost of the loss or damage
We will choose which option is appropriate.
If we choose to repair your car but if you choose not to use an AXA approved repairer:
▶ We will not provide you with a temporary replacement car, and
▶ We will only pay what our engineer states it would have cost to repair your car in an AXA approved
repairer, if the cost of repairs in the garage you choose is higher
A maximum limit of €200 will operate for all fees connected with towage and storage of your car
provided you notify us of any accident or loss within 48 hours.
If your car is stolen and is not found or, after it is found, is not worth repairing, we will pay the market
value of your car, including accessories and spare parts. If your car is stolen and you become aware
that it has been found you must tell us immediately even if your claim has already been settled.
We may choose to repair your car with recycled parts, where appropriate.
We may use parts that have not been made by the car’s manufacturer, but they will be of a similar
standard. If any lost or damaged parts are no longer available, we will pay an amount equal to the cost
shown in the manufacturer’s latest price guide, together with reasonable fitting costs.
Section 1: Loss and damage to your car
Fire Brigade Charges
We will pay charges from a local authority (in line with the Fire Services Act 1981) for putting out a fire in
your car if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers
from your car using cutting equipment.
The most that we will pay for any one claim is €1,500; a claim under this section will not affect your no
claims discount.
Replacement Locks
We will pay you up to €750 towards replacing your car’s locks and alarm if the keys for it are stolen
from your home through force or violence:
We will not pay:

▶ If your keys are stolen by deception or fraud or taken by a member of your family who normally lives
with you
▶ Where the keys are recovered before the locks and alarms are replaced
▶ If you do not report the theft of keys immediately to the Gardaí (you will need to provide written
proof of this)
A claim under this section will not affect your no claims discount.
Personal Belongings
We will pay you up to €750 for personal belongings carried in your car if they are lost or damaged due
to accident, fire, theft or attempted theft. You are not covered for:
▶ Money, stamps, tickets, documents, securities (financial certificates such as shares and bonds), furs
or jewellery
▶ Tools, equipment, goods or samples, carried in connection with any trade or business or property
insured by another insurance policy
▶ Theft of personal belongings if your car is left unattended unless all windows are closed and doors
and boot are locked
▶ Theft of personal belongings from an open-top or convertible car unless they are locked in the boot.
Child Car Seats & Equipment
We will pay you up to €600 for child car seats, booster seats, push chairs, prams, buggies or carrycots
carried in your car if they are lost or damaged due to accident, fire, theft or attempted theft. You are
not covered for:
▶ Theft of push chairs, prams, buggies or carrycots if your car is left unattended unless these are
locked in the boot
▶ If the loss or damage is as a result of theft no payment will be made if there are no signs of forced
entry to your car
A claim under this section will not affect your no claims discount
Replacing your car with a new one
We will settle your claim by replacing your car with a new one of the same make, model and
specification if the your car is:
▶ Stolen and not recovered within 28 days; or
▶ Damaged so that repairs will cost more than 60% of the manufacturer’s retail list (including taxes
and the cost of accessories) at the time of the loss or damage.
We will only do this if:

▶ The loss or damage happens before your car is one year old
▶ You have owned the car or hired it under a hire- purchase agreement since it was first registered as
new; and
▶ you, and anyone else we know who has an interest in your car, agree.
If a replacement car of the same make, model and specification is not available, the most we will pay is:
▶ The market value of your car and its fitted accessories and spare parts at the time of the loss or
damage, or
▶ The manufacturer’s retail price of your car when you bought it, less 10%; whichever is higher.
Temporary Substitutions
Cover provided by this policy is automatically transferred to a car loaned to you by a registered garage
or vehicle repairer in the Republic of Ireland for up to 7 days whilst your car is undergoing repairs or
servicing provided the market value of the car on loan does not exceed €50,000.
Protection for your wall charger
If your car is an electric vehicle (EV) or a plug-in hybrid electric vehicle (PHEV) model we will pay up
to €650 for accidental damage to your wall charger, provided it isn’t already covered by your home
insurance.
Misfuelling
Misfuelling is the simple mistake of putting the wrong type of fuel in your car at the filling station.
For misfuelling assistance you must use the number 0818 7 365 24. (00353 1 8583200 from the UK).
We suggest you put these numbers in your mobile phone immediately. We will not pay any expenses
you may have to pay if you have not called the misfuelling emergency number first.
The cover will only apply to your car, or another car you are driving, if you are covered to drive it under
section 5(b) of your current certificate of insurance.
We will pay for the following if the car is subject to misfuelling in the Republic of Ireland or the UK. The
following services are available:
▶ Draining and flushing the fuel tank using a specialist roadside vehicle and refuelling with up to 10
litres of the correct fuel, or:
▶ Recovery of the car, the driver, and up to six passengers to the nearest repairer to drain and flush the
fuel tank and refuelling with up to 10 litres of the correct fuel. If the car cannot be drained down the
same day at a suitable garage or if it arrives outside normal opening hours we will:
▷ cover the cost of securing the car overnight, and

▷ cover reasonable public transport or taxi fares for you and your passengers. (Please note that
you will be responsible for all onward transportation in the first instance and AXA Assistance will
reimburse these costs once your claim has been validated. Claims for reimbursement of public
transport or taxi fares will be assessed individually. All receipts and tickets must be retained)
Limits:
▶ A limit of €350 per incident applies. You will be responsible for paying any costs in excess of €350 per
incident
▶ We will only cover up to two misfuelling incidents in any one period of insurance
The following are not covered under this insurance:

▶ Where the misfuelling occurs outside the Republic of Ireland or the UK
▶ Any claim resulting from foreign matter entering the fuel system except for diesel, petrol or AdBlue
▶ Mechanical or component damage to the car whether or not caused as a result of misfuelling
▶ The cost of hiring an alternative vehicle in the event of sustained mechanical or component damage
▶ Any defect arising directly and/or indirectly as a result of misfuelling or a defect which existed before
the incident of misfuelling
Call the emergency number 0818 7 365 24 (00353 1 8583200 from the UK) if this service is required.
Loss of or damage to a car you are driving which is temporarily borrowed from
another person
This cover does not apply unless it is shown in your schedule under section 1.
As well as covering your legal responsibility to others, cover as described in Section 1 and Section 2
applies.
This cover will only apply if:

▶ The policy schedule shows that your cover is comprehensive;
▶ The certificate of insurance contains the ‘driving other cars’ clause number 5(b);
▶ You are driving a private car. It does not include:
▷ Vans or car-vans
▷ Jeep-type vehicles with no seats in the back; or
▷ Vans adapted to carry passengers
▷ Vehicles registered outside the Republic of Ireland
▷ Vehicles modified beyond manufacturers, standard specification
▷ Vehicles hired or leased to you
▶ You are responsible for looking after a car that is being driven under clause 5(b) of your certificate
of insurance
▶ The other car is roadworthy and is properly compliant with a valid NCT test certificate if required by
law
▶ You do not regularly use or drive the car
▶ There is no other insurance policy which covers you driving that car (whether or not that policy
would cover what is covered by this extended cover)
▶ The car does not belong to you or your husband, wife or partner
▶ The other car is properly compliant with road traffic legislation
▶ You have the owner’s permission to drive the car and have been driving it for less than 30 days and
▶ The loss or damage happens in the Republic of Ireland
The most we will pay under this extended cover is €50,000.
Our uninsured driver promise
If you make a claim for an accident that is not your fault and the driver of the car that hits you is not
insured, you will not lose your No Claims Discount.
You will be responsible for the excess.
Conditions
We will need:
▶ The vehicle registration number, make/model and
▶ The driver’s details, if possible. It also helps us to confirm who is at fault if you can get the names
and addresses of any independent witnesses, if available
If/when your renewal is due, investigations are still ongoing, you may lose your no claims discount
temporarily.
However, once we confirm that the accident was the fault of the uninsured driver, we will restore your
no claims discount and refund any extra premium you have paid.
Salvage (if your car is written off)
We will settle your claim by replacing your car or by paying the market value (or purchase price of
your car whichever is the lower) of your car before the loss. As part of settling your claim, your car will
become our property and you must send us the vehicle licensing document and keys.
We will be entitled to take possession of and dispose of your damaged car at any time during the
course of a claim. If we know that your car is covered by a hire purchase or contract-hire agreement, we
may pay the owner described in the agreement.
What’s not covered under this section of the policy
Excess
You will be responsible for the excess shown on your schedule unless the loss or damage was
caused by fire, lightning, explosion, theft or attempted theft. The excess will not apply to claims
under Replacement Locks, Personal Belongings, Child Car Seats, Wall Charger Protection or
Misfuelling. We will not seek, on your behalf, to recover an excess from another person.
Refer to your schedule to see what excess applies. You can reduce your excess by €100 if you use
an AXA approved repairer.
Where you accept an additional, voluntary excess, it will be shown on your schedule.
▶ We will not pay more than 10% of the value of your car for any permanently fitted car radio,
two-way radio, car phone, audio or similar equipment
▶ The VAT (value added tax) on any repair or replacement if you are registered for VAT
▶ Any taxes that you may be exempt from or entitled to claim back such as Vehicle Registration
Tax (VRT) or VAT
▶ No cover for modifications unless they were disclosed
▶ No cover for any driver that has been disqualified from driving, or has failed to disclose penalty
points or motoring convictions
▶ Loss or damage to your car where possession is obtained by fraud, trick or false pretences
▶ Any loss or damage which does not arise from an accidental, sudden or unforeseen cause
▶ Damage to your car, it’s accessories and spare parts caused by goods carried in the car
▶ Loss of use or any other resulting loss
▶ Reduction in your car’s value because it has been repaired
▶ Wear and tear
▶ Mechanical, electrical or software failure, breakdowns or breakages
▶ The cost of any repair or replacement which improves your car beyond the condition it was in
before the loss or damage
▶ Damage to tyres from braking, punctures, cuts or bursts unless these are caused in a collision
▶ Loss, destruction or damage caused directly by pressure waves from aircraft and other flying
objects travelling at or above the speed of sound
▶ Loss or damage caused by theft or attempted theft if your car was taken by a member of your
family or household or taken by an employee or ex-employee of the owner of your car unless
you can provide us with written confirmation of notifying the appropriate law enforcement
authorities
▶ The cost of importing parts or accessories for your car from outside the European Union
▶ Loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left
unsecured or left in or on an unattended car
▶ Loss or damage from using your car in a rally, competition, trial or on any race track, circuit or
other prepared course
▶ The extra cost of parts or accessories above the price of similar parts and accessories received
from the manufacturer’s European representatives
Fire and Theft Cover

This subsection covers loss or damage to your car caused by fire, theft or attempted
theft only. Your schedule will show if you have this cover. A claim under this subsection
will not affect your your no claims discount.
What’s covered?
We will pay for:

▶ Loss of or damage to your car, (not exceeding its market value), and its accessories in or attached.
▶ The reasonable cost of protecting and removing your car to the nearest competent repairer, and
▶ If your car is repaired in the Republic of Ireland, the reasonable cost of delivering your car back to
your address.
This will involve:

▶ Repairing your car in an AXA approved repairer or one of your choice, or
▶ Replacing what is lost or damaged, if the cost of repairing it would be more than it costs to replace;
or
▶ Paying the cost of the loss or damage
We will choose which option is appropriate.
If we choose to repair your car but if you choose not to use an AXA approved repairer:
▶ We will not provide you with a temporary replacement car, and
▶ We will only pay what our engineer states it would have cost to repair your car in an AXA approved
repairer, if the cost of repairs in the garage you choose is higher.
A maximum limit of €200 will operate for all fees connected with towage and storage of your car
provided you notify us of any accident or loss within 48 hours.
If your car is stolen and is not found or, after it is found, is not worth repairing, we will pay the market
value of your car, including accessories and spare parts. If your car is stolen and you become aware
that it has been found you must tell us immediately even if your claim has already been settled.
We may choose to repair your car with recycled parts, where appropriate.
We may use parts that have not been made by the car’s manufacturer, but they will be of a similar
standard. If any lost or damaged parts are no longer available, we will pay an amount equal to the cost
shown in the manufacturer’s latest price guide, together with reasonable fitting costs.
Fire Brigade Charges
We will pay charges from a local authority (in line with the Fire Services Act 1981) for putting out a fire in
your car if the fire gives rise to a valid claim under the policy, or for removing the driver or passengers
from your car using cutting equipment.
The most that we will pay for any one claim is €1,500; a claim under this section will not affect your no
claims discount.
Replacement Locks
We will pay you up to €750 towards replacing your car’s locks and alarm if the keys for it are stolen
from your home through force or violence:
We will not pay:

▶ If your keys are stolen by deception or fraud or taken by a member of your family who normally lives
with you
▶ Where the keys are recovered before the locks and alarms are replaced
▶ If you do not report the theft of keys immediately to the Gardaí (you will need to provide written
proof of this)
Personal Belongings
We will pay you up to €750 for personal belongings carried in your car if they are lost or damaged due
to fire, theft or attempted theft. You are not covered for:
▶ Money, stamps, tickets, documents, securities (financial certificates such as shares and bonds), furs
or jewellery
▶ Tools, equipment, goods or samples, carried in connection with any trade or business or property
insured by another insurance policy: or
▶ Theft of personal belongings if your car is left unattended unless all windows are closed and doors
and boot are locked
▶ Theft of personal belongings from an open-top or convertible car unless they are locked in the boot.
Child Car Seats & Equipment
We will pay you up to €600 for child car seats, booster seats, push chairs, prams, buggies or carrycots
carried in your car if they are lost or damaged due to fire, theft or attempted theft. You are not covered
for:
▶ Theft of push chairs, prams, buggies or carrycots if your car is left unattended unless these are
locked in the boot
▶ If the loss or damage is as a result of theft no payment will be made if there are no signs of forced
entry to your car
Replacing your car with a new one
We will settle your claim by replacing your car with a new one of the same make, model and
specification if the car is:
▶ Stolen and not recovered within 28 days; or
▶ Damaged so that repairs will cost more than 60% of the manufacturer’s retail list (including taxes
and the cost of accessories) at the time of the loss or damage.
We will only do this if:

▶ The loss or damage happens before your car is one year old
▶ You have owned the car or hired it under a hire- purchase agreement since it was first registered as
new; and
▶ You, and anyone else we know who has an interest in your car, agree.
If a replacement car of the same make, model and specification is not available, the most we will pay is:
▶ The market value of your car and its fitted accessories and spare parts at the time of the loss or
damage, or
▶ The manufacturer’s retail price of your car when you bought it, less 10%; whichever is higher.
Temporary Substitutions
Cover provided by this policy is automatically transferred to a car loaned to you by a registered garage
or vehicle repairer in the Republic of Ireland for up to 7 days whilst your car is undergoing repairs or
servicing provided the market value of the car on loan does not exceed €50,000.
Salvage (if your car is written off)
We will settle your claim by replacing your car or by paying the market value (or purchase price of
your car whichever is the lower) of your car before the loss. As part of settling your claim, your car will
become our property and you must send us the vehicle licensing document and keys.
We will be entitled to take possession of and dispose of your damaged car, at any time during the
course of a claim. If we know that your car is covered by a hire purchase or contract-hire agreement, we
may pay the owner described in the agreement.
What’s not covered under fire and theft cover
▶ Losses or damage to your car unless caused by fire, theft or attempted theft
▶ We will not pay more than 10% of the value of your car for any permanently fitted car radio,
two-way radio, car phone, audio or similar equipment
▶ The VAT (value added tax) on any repair or replacement if you are registered for VAT
▶ Any taxes that you may be exempt from or entitled to claim back such as Vehicle Registration
Tax (VRT) or VAT
▶ No cover for modifications unless they were disclosed
▶ Loss or damage to your car where possession is obtained by fraud, trick or false pretences
▶ Damage to your car, it’s accessories and spare parts caused by goods carried in the car
▶ Loss of use or any other resulting loss
▶ Reduction in your car’s value because it has been repaired
▶ Wear and tear
▶ Mechanical, electrical or software failure, breakdowns or breakages
▶ The cost of any repair or replacement which improves your car beyond the condition it was in
before the loss or damage
▶ Loss or damage caused by theft or attempted theft if your car was taken by a member of your
family or household or taken by an employee or ex-employee of the owner of your car unless
you can provide us with written confirmation of notifying the appropriate law enforcement
authorities
▶ The cost of importing parts or accessories for your car from outside the European Union
▶ Loss or damage caused by theft or attempted theft if the keys (or keyless entry system) are left
unsecured or left in or on an unattended car
▶ Loss or damage from using your car in a rally, competition, trial or on any race track, circuit or
other prepared course
▶ The extra cost of parts or accessories above the price of similar parts and accessories received
from the manufacturer’s European representatives
SECTION 2
Broken glass
Your schedule will show if you have this cover. A claim under this section will not affect your no claims
discount. If you have glass breakage and wish to make a claim, you must telephone 0818 7 365 24. All
claims must be verified prior to any repair/replacement work being undertaken.
We will pay the cost of repairing or replacing damaged or broken glass in the windscreen or windows of
your car and the bodywork being scratched as a result of the glass breaking.
If you use an AXA-approved repairer, cover is unlimited, subject to the exceptions below. If you use
your own repairer, cover will be limited to €400 per claim. We may use glass that has not been made by
the car’s manufacturer but will meet the manufacturer’s specification.
We will only pay you the market value of your car or the value of the broken glass, whichever is lower.
We will not pay for:

▶ Any amount over €400 for a replacement or €50 for a repair if the work is not carried out by our
approved windscreen repairers
▶ Damaged or broken glass in sunroofs or panoramic glass roofs
▶ Damaged or broken mirror glass
▶ Damaged or broken glass to vehicles that are temporarily covered
▶ Damage caused by wear and tear or negligence
▶ Damage caused by your own deliberate act
▶ The extra cost of replacing non-standard glass; or
▶ The cost of importing glass or parts from outside the EU
SECTION 3
Medical expenses and emergency

treatment
We will pay:
(a) If you, your driver or a passenger, suffers accidental bodily injury, while travelling in your car, up to
€200 each for medical expenses
(b) The cost of emergency treatment up to €200 for each person for injuries caused by or arising out of
any car covered under this policy as required by the Road Traffic Acts.
Such payments will not affect your no claims discount.
SECTION 4
Towing
This policy applies when your car is towing a trailer (including caravan, horsebox, cattle trailer or boat
trailer) or a broken-down vehicle, provided:
▶ This is allowed by law
▶ The driver holds the appropriate licence
▶ The weight of the trailer is within the maximum specified towing limit for your car.
We will not pay claims:
▶ If you are being paid to tow the caravan or vehicle; or

▶ For loss of or damage to the towed trailer or vehicle or to property being carried in the towed
trailer or vehicle, or for injury to any person being carried in the towed trailer or vehicle
SECTION 5
It’s important that
Liability to others
you and anyone
insured to drive
your car reads this.
This section of the policy applies to damage or injury happening in Europe and the UK unless
otherwise stated.
Cover for you
We will pay all amounts you legally have to pay as a result of negligently using your car, and any trailer
being towed by it, if you cause death of, or bodily injury to, any person or damage to any person’s
property.
There is a limit of €30 million in respect of damage to property.
Driving other cars
This cover will also apply if you are driving any other car which your certificate of insurance covers
you to drive. If you are covered to drive other cars, it will be shown in section 5(b) of your certificate of
insurance.
This cover only applies if:

▶ You do not own the car or you have not hired the car under a hire-purchase or lease agreement
▶ It is shown that this cover applies under section 5(b) of your certificate of insurance
▶ You still own and insure your car under this policy and it hasn’t been damaged beyond economical
repair
▶ The other vehicle is roadworthy and properly compliant with a valid NCT or MOT test certificate if
required by law
▶ You have the owner’s permission to drive the car; and
▶ The car is being used within the ‘limits for use’ shown in your current certificate of insurance
▶ This cover applies to damage or injury happening in the Republic of Ireland and the UK only.
This extension applies only to private passenger car. It does not include vans, car-vans, jeeps with no
seats in the back or vans adapted to carry passengers.
Cover provided for other people
If you ask us to, we will give the following people the same ‘liability to others’ cover under this section
as we give you under the “Cover for you” section:
▶ Anyone you allow to drive your car who is covered to drive it under the certificate of insurance
▶ Any person using (but not driving) your car with your permission for social, domestic and pleasure
purposes
▶ Any person travelling in or getting into or out of your car
▶ Your employer or business partner, as long as your car is not owned by or hired to either your
employer or business partner and your car is being used for a purpose that is allowed under your
certificate of insurance and your employer is not covered under another policy
Section 5: Liability to others
Your legally-appointed representatives
After the death of anyone insured under this policy, we will protect that person’s estate against any loss
they would have had if we insured that liability under this policy.
Legal fees and expenses
If we give you our written permission, we will pay for solicitor’s fees to represent anyone insured under
this policy at any coroner’s inquest, fatal inquiry or to defend anyone insured under this policy in a
district court for any accident which might give rise to a claim under this section of this policy.
Proceedings for manslaughter or causing death by reckless driving

We will pay fees for legal services to defend anyone insured under this policy if legal proceedings
are taken against that person for manslaughter or causing death by reckless driving. The following
conditions will apply to this cover:
▶ You must ask us to provide the cover
▶ The death or deaths giving rise to the proceedings must have been caused by an accident covered by
this policy
▶ The accident which caused the death or deaths must have happened in the Republic of Ireland or
the UK
▶ The most we will pay is €1,500
▶ Anyone driving your car who does not hold the appropriate driving licence or who is prevented
by law from holding the appropriate licence or who is disqualified from driving
▶ Anyone who is insured under another policy
▶ Liability for loss of or damage to property which belongs to, or is in the custody of any person
who is insured under this policy and who is driving your car
▶ Damage to any vehicle being driven or used by a person claiming cover under this part of the
policy
▶ Anyone insured by this policy who does not comply with its conditions
▶ Anyone employed in the motor trade driving your car because it is being overhauled, repaired
or serviced
▶ Death or bodily injury to anyone driving or in charge of your car
SECTION 6
Foreign use
Full policy cover will apply for you to travel to Europe for up to 90 days during the period of insurance.
▶ You are not covered for any legal action taken against you outside Europe or the UK unless it is
a result of using your car in a country for which we have agreed to extend this insurance cover
▶ Sections of this policy which state that cover is restricted to Republic of Ireland only, or
Republic of Ireland and the UK, will not extend to Europe. This includes, but is not restricted to,
Car and Key rescue and driving other cars
If you are unfortunate to have an accident and are ringing from abroad contact us at 00353 1 8583200.
SECTION 7
Our right of recovery
If we have to make a payment due to our obligations under the Road Traffic Act, or any other law, which
would not otherwise have been covered, we have the right to recover such payment from you or the
person on whose behalf we made the payment.
SECTION 8
No claims discount
(including accident forgiveness)
If you do not claim during the current period of insurance, we will discount your renewal premium.
The discount will be in accordance with the no claim discount scale scale applicable at the time of
renewal. See table below for current scale. Premiums for fire, theft or optional extra cover will not be
the subject of no claims discount.
Number of years claim-free driving Percentage discount allowed

(own insurance policy)
0 (if previous claims) 0%

0 (first insurance, no claims) 50%
1 55%
2 60%
3 65%
4 70%
5+ 75%
We may offer an introductory discount for customers who have had no previous insurance and are
claim and incident free.
If you make a claim, we will reduce the discount at the next renewal according to the following table,
unless you have chosen “Protected No Claims Discount” option (see Section 9). Your schedule will
show if you have “Protected No Claims Discount”.
Percentage discount allowed at the start Percentage allowed at next renewal for one claim
of the policy or when it was last renewed happening in the previous insurance year
0% 0%
50% 0%
55% 50%
60% 50%
65% 50%
70% 55%
75% 60%
If you make two or more claims in the previous insurance year, we will reduce your no claims discount
to 0% .
Section 8: No claims discount
We will reduce your no claims discount to 0% if you make a claim and the driver is convicted of
dangerous driving or charged with drink-driving or a drug offence in connection with the same incident.
If we make payments that we cannot recover from another person, the claim will count against your no
claims discount even if you were not at fault. See exception under Section 1” Uninsured Driver Promise”
For no claims discount purposes, a period of insurance is one year between the beginning of the policy
and the date you renew it, or between renewal dates. You cannot transfer your no claims discount to
anyone else.
Your no-claims discount will not be affected by:

▶ Payments under section 1 for fire and theft claims
▶ Payments made under section 2 Glass breakage
▶ Payments for emergency treatment the law says we must pay
▶ Payments under misfuelling, wall charger protection, fire brigade charges, personal belongings,
child car seats & equipment, replacement locks, legal fees and expenses, legal assistance, car and
key rescue or injury to driver sections
▶ Payments (together with associated costs and expenses) which we recover in full; and
A reported incident may not give rise to a claim. However, we reserve the right to decide at what stage
the incident may be considered one which will not give rise to a claim.
If you make a claim just before your renewal date, this may not be reflected in our offer (“Renewal
Notice”) to you to renew cover. If this happens, you can ask us to change our offer or wait until the
following renewal date for that claim to be taken into account.
Section 9: Protected no claims discount
SECTION 9
Protected no claims discount
This is an optional extra. If you have bought it, your no claims discount is safe if you make
one claim.
Your schedule will show if you have chosen this cover.
This cover allows you to make one claim without affecting your no claims discount. Only a second or
subsequent claim will affect your no claims discount (see Section 8). The first claim will remove future
protection and it cannot then be purchased for at least three years.
Even if you have protected no claims discount, your premium may still increase if:
▶ You make unreasonably large or excessive claims
▶ You receive motoring convictions; or
▶ We decide it is necessary for any other reason
Even though the no claims discount may not be affected, your claims record will be shown on your
Certificate of No Claims Discount.
Lifetime no claims discount
We only give this benefit if:
▶ You are aged 30+ years

▶ This policy has been in force for 10+ years
▶ You are earning a maximum no claims discount for the past 10+ years
▶ You are claim free for the past 10+ years
You cannot buy it or apply for it. Your schedule will show if you have this cover.
If you have this cover, we will not reduce your no claims discount no matter how many claims you have
or what type they are.
However, if you abuse this cover, we can remove it at any time. Claims after removal will affect your no
claims discount. See Section 8
This benefit applies only in the following circumstances:
▶ If you or your spouse are the drivers involved in any claim . If the driver is your spouse they must be
covered to drive your car by this policy
▶ The driver must not have been convicted of any serious offence in connection with the accident that
results in a claim. A serious offence is one that involves either driving under the influence of drink or
drugs, refusing to provide a sample, leaving the scene of an accident, dangerous driving or similar
offences
Even though the no claims discount may not be affected, your claims record will be shown on your
Certificate of No Claims Discount.
Section 9: Protected no claims discount
Combined no claims discount protection
Lifetime no claims discount protection will only cover claims while you or your spouse are driving
your car. You can buy standard no claims discount protection, in addition to Lifetime NCD protection,
if you need NCD protection for claims caused while other drivers covered by your current certificate
of insurance are driving.
SECTION 10
Replacement car
This section only applies if we are dealing with a claim under ‘Section 1 Loss or damage to your car’
and you have
▶ Comprehensive cover, or
▶ Third party fire and theft cover and the damage is caused by fire, theft or attempted theft
Claims under this section will not affect your no claims discount.
Your schedule will show if you have this cover.
Definitions
AXA approved repairer: Any repairing garage nominated by us from time to time as an approved
repairer.
Courtesy Car: A vehicle provided to you by the Hire Company in the event of a repair to your car when
using an AXA approved repairer. The Courtesy Car will usually be an economy class 1.2 litre vehicle.
Hire Car: A vehicle provided to you by the Hire Company. The Hire Car will usually be an economy class
1.2 litre vehicle.
Hire Company: A car hire company nominated and approved by us to provide a replacement car in the
event that your car is not repairable.
Courtesy Car
If your car is repairable, a Courtesy Car will be provided to you while repair to your car is being carried
out by an AXA approved repairer.
Hire Car
If your car is written off (not repairable) due to
(i) damage (comprehensive cover only) (ii) fire or (iii) theft or attempted theft, a Hire Car will be
provided to you by the Hire Company for a maximum of 21 days in a row. In the event that you are
not at fault for the loss of or damage to your Vehicle, the hire period may be extended for a further
period with the agreement of the Hire Company.
Section 10: Replacement car
Conditions that apply to this section
You may only use the Hire Car in the Republic of Ireland unless the Hire Company gives you permission to
use the Car outside of the territories permitted by the Hire Company’s terms and conditions. This will also
require you to ensure that the necessary insurance is in place.
You will be provided with a copy of the Hire Company’s terms and conditions and, during the period of use
of the Hire Car, you will be subject to the Hire Company’s terms and conditions.
This may require you to pay a refundable deposit and an excess in the event that the Hire Car is damaged
during the hire period.
During the hire period, insurance cover for the Hire Car will either be provided by the Hire Company or,
alternatively, your policy will be extended to cover you and any authorised driver under your policy
when driving the Hire Car. If the policy is extended by us to provide cover for the Hire Car, you will be
subject to the same terms and conditions of the policy when driving the Hire Car.
We will not pay this benefit if:

▶ You are only claiming windscreen or glass damage
▶ The loss takes place outside Northern Ireland or the Republic of Ireland
▶ You are claiming for loss of fuel
▶ You are claiming for collection and delivery costs
SECTION 11
Legal assistance
Your schedule will show if you have this cover and availing of benefits under this section will not affect
your no claims discount.
Legal assistance is administered by MIS Underwriting Ltd., 14a Jocelyn St., Dundalk, Co Louth, A91
XNY2. MIS Group is authorised and regulated by the Financial Conduct Authority of the United Kingdom,
registration no: 307266
Part 1: Recovery of Uninsured Losses
Uninsured Losses are losses not covered by your own insurance policy.
You are covered for reasonable solicitor’s fees to take legal proceedings for compensation arising from a
road-traffic accident, involving you or your car, against those whose negligence has caused:
▶ Death or injury to you or the driver*
▶ Damage to your car
▶ Deduction of your “own damage” policy excess
▶ Damage to property in your car which you or the driver* owns or is legally responsible for
▶ Any other uninsured losses you or the driver* suffer
*Note: Driver must be covered to drive under your policy.
Part 2: Prosecution Defence
You are covered for reasonable solicitor’s fees to defend legal proceedings in a Criminal Court that are a
result of a motoring offence alleged against:
▶ You, while you were driving a private car
▶ A driver, covered under your policy, whilst driving your car
Part 3: Motor Contract Disputes
We will pursue or defend legal actions relating to disputes over a contract for sale, purchase, repair or
servicing of your car.
What’s not covered:
▶ The amount in dispute must be more than €350

▶ You must have entered into the contract during the period of insurance
Section 11: Legal assistance
Part 4: Vehicle Cloning
Covers costs to defend a legal action arising from use of your car’s identity by another person or
organisation without your permission.
What’s not covered:
▶ Where your car’s identity has been copied by someone living with you
▶ Where you did not act to prevent further instances of cloning following an insured incident
▶ Any losses incurred other than legal costs
Part 5: Illegal Clamping & Towing
Covers costs to pursue the recovery of illegal clamping or towing fees related to your car except:
▶ Where the clamping or towing of your car has been carried out with lawful authority
▶ For the defence or payment of any costs relating to damage inflicted by you upon the clamping
device
▶ For any losses (other than Advisers’ Costs) incurred by you as a result of the illegal clamping or
towing of your car
Limits
The most we will pay is €100,000 under Parts 1, 3,4 & 5 or €25,000 for claims under Part 2.
Significant exclusions or limits
This insurance only covers solicitor’s fees from our panel of solicitors. You are not covered for any
solicitor’s fees if you appoint any other solicitor to act for you.
It is an important condition of this insurance that there must be a reasonable chance of success in the
legal action, before we will accept a claim for legal costs.
There is no cover for the following.
▶ Solicitor’s fees that we have not given our permission for, or that are above the value of your claim
▶ Fines or penalties
▶ Solicitor’s fees from events that happened or you knew about, before the period of insurance
▶ Prosecutions relating to parking offences, allegations of driving under the influence of drink or
drugs, or violence or intentional dishonesty, including driving without a valid driving licence or other
licence or certificate as needed by law
▶ Pleas in mitigation, unless we believe that a plea will have a significant positive effect on the
sentence
▶ Judicial Reviews
▶ Claims brought using the Injuries Board (IB), other than those in relation to the IB application fee
▶ Claims where the value of your claim is not more than €350
Section 11: Legal assistance
You and the solicitor must do the following:

▶ Provide us with any information that we need (you must pay any costs)
▶ Keep us regularly updated on the progress of the case, and tell us about any offer of settlement the
other person makes
To avail of this section of cover, phone 01 865 8807 (9am to 5pm, Monday to Friday) and quote ‘AXA
Insurance – Private Car Extra’.
SECTION 12
Text messaging is available for
Car and Key Rescue

use by deaf, hard of hearing or
speech impaired customers in
a breakdown situation. Please
text the word “breakdown” to
+353 873700687
If you have bought Car and Key Rescue you must use the number 0818 7 365 24. (00353 1 8583200
from the UK). We suggest you put these numbers in your mobile phone immediately. We will not
pay any expenses you may have to pay if you have not called the emergency number first. Your
schedule will show if you have this cover and availing of the benefits under this section will not
affect your no claims discount.
Section A - 24 Hour Car Rescue (Republic of Ireland/UK)

The cover will only apply to your car, or another car you are driving, if you are covered to drive it under
section 5(b) of your current certificate of insurance.
For this section ‘you’ will mean any driver who is driving your car who is covered under this policy of
insurance. “We” will mean AXA Assistance (Ireland). Car Rescue cover only applies within Republic of
Ireland and the UK (excluding islands off the coast).
What is covered
We will arrange and pay the benefits set out below if the car cannot be driven as a result of the
following:
▶ Electrical or mechanical breakdown
▶ The car does not start
▶ Accident or fire
▶ Theft, attempted theft or malicious damage
▶ Punctures where you need help to replace or repair a wheel
▶ Loss or theft of keys
▶ Breakage of keys in the lock, or keys locked into the car or
▶ Loss of, or running out, of fuel or flat battery
Additional cover for electric vehicles (EV):
▶ Energy failure; means any failure of the battery because there is insufficient charge to operate the
vehicle
Benefits
1. Roadside and Driveway assistance – We will send a trained recovery technician to help you. If
repairs are possible, we will provide up to one hour’s labour to repair the car , as long as the repair is
carried out at the scene.
Section 12: Car and Key Rescue
2. Towing cover in Ireland (including NI)– We will cover the cost of towing the car to the nearest
repairer, to the nearest charge point (if EV energy failure), to your home or, if you choose, to your
intended destination as long as the tow starts and ends on the island of Ireland (excluding any
islands off the coast).
Towing cover in the Britain, the Channel Islands and the Isle of Man (excluding islands of the coast):
We will tow you to a local repairer or to the nearest charge point (if EV energy failure), within 20
miles of the location of your breakdown. If you choose to have the car brought to a repairer and the
car will arrive at the repairers outside normal opening hours, we will cover of towing it to a secure
place and then on to the repairers when they open.
3. Passing on a message – We will pass on any relevant messages for you.
4. Completing the journey - If the car cannot be made roadworthy at the place of the breakdown, and
cannot be repaired the same day at a suitable garage, we will choose the most appropriate solution
from one of the following options.
a. To transport you and your passengers to the intended destination, and take the car to the
nearest repairer, or nearest repairer to your home or chosen destination if this is closer.
b. Accommodation expenses for one night, limited to bed and breakfast while you and your
passengers are waiting for repairs to the car to be completed. The most we will pay is €50 for
each person and €200 in total. Please note that you will be responsible for all accommodation
costs in the first instance and AXA Assistance will reimburse these costs once your claim has
been validated. Claims for reimbursement of accommodation will be assessed individually. All
receipts must be retained.
c. Hiring a suitable vehicle for up to 48 hours as long as this is not more than the benefit we would
have paid under option a above. We may provide public transport for you to return to the
repairer to reclaim the car after it is repaired.
d. Reasonable public transport or taxi fares for you and your passengers. Please note that you
will be responsible for all onward transportation in the first instance and AXA Assistance will
reimburse these costs once your claim has been validated. Claims for reimbursement of public
transport or taxi fares will be assessed individually. All receipts and tickets must be retained.
e. Any other solution which, we believe, is the most suitable to help you and arrange for the car to
be repaired and transported.
5. If you are away from home and the car is stolen, we will arrange one of the benefits listed above to
get you to your home or your intended destination.
We will only pay if:

▶ You have contacted us using the emergency number 0818 7 365 24 (00353 1 8583200 from the UK)
▶ For attempted theft of the car: you have reported the theft to the law enforcement authority and
▶ You replace any faulty parts, including the battery, as soon as possible after discovering the fault
▶ Any liability or resulting loss arising from anything performed or not performed as part of the
services under this section
▶ Any claims for accommodation, public transport or taxi fares with no valid receipts or tickets
▶ Any expenses which you can get back from any other source
▶ Any claim where the car is carrying more passengers or towing a greater weight than that for
which it was designed (as shown in the manafacturer’s specification)
▶ If the vehicle has already been recovered, we will not pay for a second recovery for the same
incident
▶ Any claim arising out of driving the car on unsuitable ground
▶ Any accident or breakdown brought about by a deliberate act by you or another driver covered
under this policy that could have been avoided
▶ The cost of repairing the vehicle (except as outlined in the roadside and driveway assistance
benefit)
▶ The cost of any parts, keys, lubricants, fluids or fuel
▶ Any claim caused by fuels, mineral essences (such as oils or lubricants) or other materials that
catch fire easily, explosives or poisons carried in the car
▶ Any request for help if the person providing the service thinks you are under the influence of
drink or drugs such that you would not be capable of legally driving a car
Section B - Lost Key Insurance

The cover will only apply to your car as shown on the current certificate of insurance.
Key Rescue - Key Protection
Subject to meeting all terms and conditions detailed in the policy wording AXA Assistance (Ireland)
Limited will provide you with:
▶ Up to €1,500 (Inc VAT) towards lock and key replacement (including reprogramming of alarms and
immobilisers) and onwards transportation in the event of lost, damaged, stolen keys or fobs or keys
broken in any lock of your car that are no longer functional:
24 hour, 365 days a year assistance
The following additional benefits apply up to the policy limit of €1,500 (Inc VAT):
▶ Up to €40 (inc VAT) per day for up to 3 days for car hire if you are stranded more than 30 kilometres
away from home due to theft, lost, damaged or stolen keys or fobs or keys broken in any lock of your
car or alternatively reasonable public transport or taxi fares for you and up to 4 passengers
▶ No excess is payable in the event of a claim
▶ Any claims under this benefit do not affect your ‘no claim discount’
How do I make a claim?
If you need to make a claim please telephone the claims helpline on 0818 7 365 24, quoting your policy
or Unique Key Fob number which has been provided to you by AXA Insurance and assistance will be
arranged for you. Lines are open 24 hours 365 days of the year.
Please note that you will be responsible for all key replacement costs and onward transportation in the
first instance and AXA Assistance (Ireland) Limited will reimburse these costs once your claim has been
validated.
▶ Providing assistance is a service only and does not pre-qualify your claim for reimbursement of
incidental costs you incur as a result of your need for assistance
▶ We will validate your claim and reimburse you for costs you have met following any of the Insured
incidents detailed below
▶ Reimbursement is subject to you providing the original invoice(s), receipt(s), any relevant crime
reference number. Please ensure all relevant information is forwarded to AXA Assistance (Ireland)
Kilmartin N6 Retail Park, Athlone, Co Westmeath, N37 EOA8
▶ All costs outside of the terms of this policy must be met and paid for by you
Insured Incidents
Theft or loss of your car keys: If your keys are stolen anywhere in the Republic of Ireland or the UK
(including Northern Ireland), you must notify the appropriate law enforcement authorities, obtaining
a crime reference number, and contact AXA Assistance (Ireland) Limited, who will arrange & pay for a
suitable contractor to attend the scene and recover your car.
If your keys are broken or damaged in any lock of your car denying you access or use, you must report
this event to AXA Assistance (Ireland) Limited who will arrange and pay for a suitable contractor to
attend the scene of the incident and recover your car.
You will be responsible for all key replacement costs in the first instance and upon validation of your
claim we will reimburse you for the cost of your key or lock replacement as per the Terms & Conditions
of your policy.
If you are stranded more than 30 kilometres from home due to theft, lost, damaged or stolen keys or
fobs or keys broken in any lock of your car and have no access to your car we will pay €40 per day
including VAT for vehicle hire, for up to 3 days if no spare set is available. Please note that hire cars are
provided for social and domestic use only.
AXA Assistance (Ireland) Limited must be notified of the circumstances and car hire arranged through
them.
Exclusions
▶ All costs incurred where you have not notified AXA Assistance (Ireland) Limited within a reasonable
timeframe
▶ Any claim for theft of your car keys which is not reported to the appropriate law enforcement
authorities on becoming aware of the incident and a crime reference number obtained
▶ Any claims for public transport or taxi fares with no valid receipts or tickets
▶ Any car hire not arranged via AXA Assistance (Ireland) Limited
▶ Any claim for replacing locks when only parts or keys need changing
▶ Any claim for damage to locks by wear and tear, mechanical or electrical breakdown, cleaning,
repairing, restoring or anything which happens gradually
▶ Any claim for damage to locks by attempted theft or malicious damage
Policy limit
The total amount payable in any one period of insurance is €1,500 including VAT.
Claims conditions
We cannot guarantee that hire cars will always be available and we are not responsible if they are not
available. Hire cars are provided for social and domestic use only.
You must meet the conditions of a hire-car company to hire a vehicle.
SECTION 13
Injury to driver
Your schedule will show if you have this cover. A claim under this section will not affect your no claims
discount.
What we will pay
1. Injury benefits for you (not applicable if policy is in the name of an organisation or company)
We will pay you or your legal representatives the benefit amounts shown in the table below if you are
killed or injured as a result of an accident while driving or getting into or out of:
▶ Your car; or
▶ Another car, provided you are covered to drive that car under section 5(b) of your current
certificate of insurance
2. Injury benefits for other drivers
We will pay the driver or their legal representatives the benefits shown below if a driver, covered under
this policy, is killed or injured while:
▶ Driving your car; or
▶ Getting into or out of your car
Benefit
Total and permanent loss of sight in one or both eyes or loss of one
A or more limbs (or both) happening within one year as a direct result €25,000
of the accident.
Temporary total disability where you or the driver are entirely
unable to carry on any business or occupation as a result of the €250 a month
B accident. (maximum 36
(You or the driver will have to be totally disabled for a period of at months)
least 1 month)
Hospital benefit, if you or the driver are in hospital for more than
€500 a week
six days as a result of a road-traffic accident. (cover for the costs
(maximum 20
C of accommodation only during time in hospital as a result of a
weeks for any one
road-traffic accident; it does not include medical expenses incurred
accident)
while hospitalised)
D Death benefit where death is a direct result of the accident. €75,000
Permanent Total Disablement where you or the driver, in the
opinion of a medical expert, is permanently unable to carry on any
E €25,000
business or occupation as a result of the accident for the rest of
your or their life
Section 13: Injury to driver
Limits
▶ We will only pay benefit under one of the sections A or D or E
▶ We will only pay benefit under one of the sections B or E
▶ We will only pay the temporary total disability benefit for the period of medical treatment for the
injury
▶ While in hospital you, or the driver, will only receive benefit C; you cannot also claim under benefit B
Conditions
▶ We will only pay for temporary total disablement if you or the driver are in paid employment at the
time of loss and are unable to carry on any business or occupation for the entire preceding month
▶ If you or the driver become able to carry on any business or occupation, you cannot make any
further claim for temporary total disablement arising out of the same injury
We will only pay if:

▶ We are told about the claim within 28 days of the injury happening
▶ The injured person immediately gets medical advice from a qualified medical expert and begins
treatment; and
▶ Our medical advisers are allowed to examine the injured driver as often as is thought necessary
▶ Death that is not a direct result of the accident

▶ Death or bodily injury resulting directly or indirectly from suicide or attempted suicide or
deliberate injury or you or the driver being seriously mentally ill
▶ Death or bodily injury occurring whilst you or the driver was not complying with the law in
respect of seat belt use
▶ A criminal act
▶ Where you, or the driver, is convicted or has a prosecution pending of an offence involving
alcohol or drugs was driving while unfit to do so due to alcohol or drugs; or was driving after
drinking alcohol and, three hours after the accident, the amount of alcohol in the breath, blood
or urine is above the legal limit for driving
▶ Taking part in racing or speed testing
▶ Psychiatric illness or mental disorders including stress or stress-related illness
▶ This section will not apply and payments will stop if you go to live outside Ireland or the UK
General exceptions
1. This policy does not apply when your car:
▶ Is being used for purposes that are not shown in your certificate of insurance
▶ Is being driven by, or in the charge of any person who is not covered by your certificate of
insurance
▶ Is being driven by anyone who does not hold the appropriate driving licence or who is prevented by
law from holding the appropriate licence or who is disqualified from driving
▶ Is towing a caravan, trailer, or other vehicle for a payment; or
▶ Is in or on any part of an aerodrome, airport or airfield provided for aircraft to take off and land and
for moving or parking aircraft on the ground, service roads, ground equipment parking areas and
those parts of passenger terminals coming within the customs examination area
2. If an accident happens and:
a. as a result, the person who was driving is convicted of or has a prosecution pending for an
offence involving alcohol or drugs
b. the person who was driving was unfit to do so due to alcohol or drugs; or
c. the person who was driving had been drinking alcohol and, three hours after the accident, the
amount of alcohol in the breath, blood or urine is above the legal limit for driving
Then
i the cover provided in section 1 of the policy for loss of or damage to the Insured vehicle will not
apply; and
ii you or the person driving must repay all claims we have paid arising from the accident; and
iii we may cancel your policy
3. This policy does not cover anyone who does not comply with the policy terms and conditions.
4. This policy does not cover any liability which you have as a result of an agreement or contract,
unless you would have been liable anyway.
5. This policy does not provide cover for any loss of or damage to property, or any consequential loss,
or legal liability directly or indirectly caused by, contributed to, by, or arising from:
▷ ionising radiation or contamination by radioactivity from irradiated nuclear fuel or nuclear waste
or from burning nuclear fuel; and
▷ the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear
equipment, weapon or any part of such items
General exceptions
6. This policy does not cover liability, loss, damage, cost or expense directly or indirectly caused by,
resulting from or in connection with any of the following unless we have to provide cover under
road traffic law:
a. War, riot, revolution or any similar event, including any action taken to control or prevent such
events.
b. Any government, public or local authority legally taking or destroying your property.
c. Any act of terrorism including any action taken to control or prevent terrorism. We define an act
of terrorism as an act which may include using or threatening force or violence by any person or
group, whether acting alone or in connection with any organisation or government committed
for political, religious, ideological or other purposes. This includes the intention to influence any
government or to put the public or any section of the public in fear.
7. This policy does not provide cover for any accident, injury, loss or damage caused by earthquake
8. Any liability, loss, damage, cost or expense directly or indirectly caused by, resulting from or in
connection with losing, altering or damaging or reducing the availability of: a computer system,
hardware programme, software, data-information store, microchip, integrated circuit or similar
device in computer equipment or non-computer equipment that results from deliberately or
negligently transferring (electronic or otherwise) a computer programme that contains any
damaging code including computer viruses, worms, logic bombs, or trojan horses.
9. Any liability for malfunction or hacking of autonomous/driverless vehicle systems including, but not
limited to, remote control parking, lane departure warning systems, automated emergency braking
(AEB), anti-lock braking (ABS), adaptive cruise control, blind spot monitoring, and other crash-
avoidance technology.
10. Any loss of, damage to, or loss of use of the channel tunnel known as Eurotunnel and any loss or
losses consequent thereon. For the purposes of this exclusion the words “channel tunnel” shall
mean the fabric of the structure including contents therein, situated between the entrances and
exits.
11. This policy document replaces any previous policy documents issued by AXA Insurance.
Notes
We’re here to help.
Go to
axa.ie
Ring us on
0818 7 365 24
Call into your nearest
AXA branch
Connect with AXA:
/AXAIRL /Axa_Ireland /AXAInsuranceIreland
AXA Insurance dac, Registered in Ireland number 136155. Registered Office Wolfe Tone House, Wolfe Tone Street, Dublin 1 (D01 HP90). VAT Reg. No. 4873544A.
AXA Insurance dac is regulated by the Central Bank of Ireland.
AI030 03/23 2952462 v3

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ROI Direct Customers

Outside the ROI

+353 1858 3200

Text messaging is available for use by deaf, hard of hearing

I’ve lost my car keys, am I covered? 43

And if your question is one of these...

Please ring us on 0818 7 365 24 or contact your local

Section 1: Loss and damage to your car 15

Section 2: Broken glass 25

Section 3: Medical expenses and emergency treatment 26

Section 5: Liability to others 28

Section 6: Foreign use 30

Section 7: Our right of recovery 31

Section 8: No claims discount 32

Section 9: Protected no claims discount 34

Section 10: Replacement car 36

Section 11: Legal assistance 38

Section 12: Car and Key Rescue 41

Section 13: Injury to driver 46

Here’s our complaints process to help you.

If you’re unhappy with how we’ve dealt with your complaint,

Financial Services and Pensions Ombudsman,

Our promise to you:

We’ll reply to your complaint within five days.

We’ll investigate your complaint.

We’ll keep you informed of progress.

We’ll do everything possible to sort out your complaint.

We’ll use feedback from you to improve our service.

On behalf of AXA Insurance dac

Marguerite Brosnan Chief Executive

A repairing garage appointed by us.

Statement of Fact / Proposal Form

AXA Insurance dac.

The policyholder named in the schedule including parties jointly described.

1. Cancelling the policy

3. Handling claims against you

4. Changes to your policy

If a change to your policy, including the administration charge, results in:

5. If you choose not to or cannot drive your car

Tel: +353 1 676 9944 | Fax: +353 1 676 1108

7. Looking after your car

You should ensure that:

9. Getting our claims costs back

10. Misrepresentation and Deception

You must not act in a fraudulent way.

If you have made a negligent misrepresentation and a claim arises, we may:

If you or anyone acting for you:

If you commit a fraudulent act on any other policy, then we may:

11. Dispute Resolution

13. Driving Licence Conditions

14. Open Driving

Loss and damage to your car

We will pay for:

This will involve:

We will choose which option is appropriate.

Fire Brigade Charges

We will not pay:

Child Car Seats & Equipment

Replacing your car with a new one