Car Insurance - FAQ's

What is policy excess?

Policy excess is the amount you pay towards repairs after an accidental damage or theft claim. If you increase the amount of the excess, you can reduce your premium.

Does Allianz have Breakdown Assistance service?

Yes

The basic policy does not include Breakdown Assistance however it is available as an optional cover on ALL of our Motor Policies which complements our already established Motor Accident, Fire & Theft Emergency Service.

The following summarises the key benefits of the Allianz Breakdown Assistance service:

Driveway and Roadside Assistance

Benefits	Emergencies Covered
We will send a competent repairer to assist at the breakdown site. We will cover the cost of towing Your car to the nearest competent repairer or to Your own garage whichever is closest.The maximum distance covered for thsi towing benefit is 50KM or 30 miles from the location of Your breakdown. Should you wish to have Your Car taken to a garage beyond the maximum distance You may do so at Your own cost by availing of our specially negotiated rates. We will relay up to 2 messages to family members or business contacts on your behalf.	Mechanical or electrical breakdown (e.g flat battery). Puncture that needs help to fix or wheel change. Keys broken in locks or keys locked in your car.
Journey Continuation - Rep. of Ireland & Northern Ireland Journey completion for You and Your passengers up to a maximum value of £100/€150 or: A free courtesy car (Class A - Ford Ka or equivalent) for up to 48 hours and return journey to Your car when repaired or: Bed and breakfast accommodation where repairs necessitate an overnight stay to a value of £25/€35 for each person to a maximum of £100/€150.	Where Your car breaks down in Ireland (more than 30km from Your home address) and Your car cannot be repaired at the breakdown site.
Journey Continuation - Great Britain A courtesy car (Class A - Ford Ka or equivalent) for up to 48 hours, to a Maximum of £100 / €150 When repairs have been carried out on your car in Great Britain We may, with your agreement, make arrangements for you to travel and collect from the repairing garage. Where Your Car cannot be repaired prior to Your departure date, Your Car will be towed to Your departure port In such circumstances, arrangements will be made to repatriate Your Car to Ireland and for onward towing to the nearest competent repairer or to Your own garage, whichever is closest. The Ferry Company may insist that You accompany Your Car on its homeward journey.With above options You are required to provide Us with details of Your return ferry ticket.	Where Your car breaks down in Great Britain and Your car cannot be repaired at the breakdown site.

Benefits

Emergencies Covered

We will send a competent repairer to assist at the breakdown site.
We will cover the cost of towing Your car to the nearest competent repairer or to Your own garage whichever is closest.The maximum distance covered for thsi towing benefit is 50KM or 30 miles from the location of Your breakdown. Should you wish to have Your Car taken to a garage beyond the maximum distance You may do so at Your own cost by availing of our specially negotiated rates.
We will relay up to 2 messages to family members or business contacts on your behalf.

Mechanical or electrical breakdown (e.g flat battery).
Puncture that needs help to fix or wheel change.
Keys broken in locks or keys locked in your car.

Journey Continuation - Rep. of Ireland & Northern Ireland

Journey completion for You and Your passengers up to a maximum value of £100/€150 or:
A free courtesy car (Class A - Ford Ka or equivalent) for up to 48 hours and return journey to Your car when repaired or:
Bed and breakfast accommodation where repairs necessitate an overnight stay to a value of £25/€35 for each person to a maximum of £100/€150.

Where Your car breaks down in Ireland (more than 30km from Your home address) and Your car cannot be repaired at the breakdown site.

Journey Continuation - Great Britain

A courtesy car (Class A - Ford Ka or equivalent) for up to 48 hours, to a Maximum of £100 / €150
When repairs have been carried out on your car in Great Britain We may, with your agreement, make arrangements for you to travel and collect from the repairing garage.
Where Your Car cannot be repaired prior to Your departure date, Your Car will be towed to Your departure port
In such circumstances, arrangements will be made to repatriate Your Car to Ireland and for onward towing to the nearest competent repairer or to Your own garage, whichever is closest.
The Ferry Company may insist that You accompany Your Car on its homeward journey.With above options You are required to provide Us with details of Your return ferry ticket.

Where Your car breaks down in Great Britain and Your car cannot be repaired at the breakdown site.

* Full details available on request, terms & conditions apply.

Who can drive my car?

Cover is restricted to persons named on the certificate.

How can I use my car?

All policies cover social, domestic and pleasure use, including travel to and from work. Business use is available but must be specifically requested.

Will I be covered if I drive someone else's car?

Driving other people's cars may be covered, but only for third party cover. Your legal liability to third parties is covered while you drive any car not belonging to you. Please note: Fire, Theft or Accidental Damage cover does not apply while you are driving in these circumstances. Contact us or your Broker for further information. (Restrictions may apply)