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Car Insurance

Cover with a range of features

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Car insurance

Get a quote now

 

Would you like a quote for the first time or have you received a quote in the last 30 days?

 

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Available to residents in the Republic of Ireland only.

Ulster Bank Car Insurance is introduced by Ulster Bank Ireland Limited and underwritten and administered by Aviva Insurance Limited. Aviva Insurance Limited, trading as Aviva, is authorised by the Prudential Regulation Authority and is regulated by the Central Bank of Ireland for conduct of business rules. Registered Branch Office in Ireland No 900175. Registered Branch Address One Park Place, Hatch Street, Dublin 2. Registered in Scotland No 2116. Registered Office Pitheavlis, Perth, PH2 0NH. 

Car insurance for less

Up to 10% discount on your premium for existing Ulster Bank customers

 

Discount is tiered depending on what type of accounts you already hold with us. Quotes are valid for 30 days. Underwritting criteria and minimum premium applies. Offer can be withdrawn at any time.

Helpful information

Car insurance explained

Whether you want a fully comprehensive policy or third party, fire and theft only, we can help. 

Comprehensive cover

 

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Car insurance

Comprehensive cover

A comprehensive insurance policy offers the most complete level of car insurance protection available.

Other cover types such as third party, fire and theft cover protects you in the event of fire, theft or attempted theft and covers you for claims made against you by other people for personal injury or damage to their property.

Comprehensive cover includes all of this and also gives you extra protection if your car is accidentally damaged.

Third party, fire and theft cover

 

A man standing beside his damaged car Find out more

Car insurance

Third party, fire and theft cover

A policy with third party, fire and theft cover protects you in the event of fire, theft or attempted theft of your car and covers you for claims made against you by other people for personal injury or damage to their property.

There is no protection if your car is accidentally damaged.

Car Insurance

Features and benefits

Our Premier Comprehensive policy offers standard features and some optional extras to suit your needs. Full features and benefits can be found in our Car Insurance Policy document.

Here are the standard features:

 

New car replacement

What's this?

Premier Car Insurance

New car replacement

If your car is less than a year old when it's stolen (and not recovered) or when it's damaged, our policy will offer to replace the car with a new car of the same make and model, if such a car is available in Ireland.

The following exclusions apply:

  • you must be the original and only registered owner of the car

  • the car must be damaged in a single incident resulting in a repair or reinstatement cost of more than 50% of the value of the car when new.

 

Fire brigade charges

What's this?

Premier Car Insurance

Fire brigade charges

Up to € 1,000 per claim to cover the cost of fire brigade charges which you may have to pay as a result of the fire brigade being called to control or put out a fire in your car, or remove you or your passengers from the car.

We will pay this benefit only if there is a valid claim on your policy for the event. 

Personal belongings

What's this?

Premier Car Insurance

Personal belongings cover

Up to €150 for any one event, for loss or damage to rugs, clothing and personal belongings (not including stamps, money, documents, securities or trade goods) that happens in the car by fire, theft or accidental damage. 

 

Breakdown rescue

What's this?

Premier Car Insurance

Breakdown rescue

You'll get the full support of Aviva's emergency breakdown assistance to get you going as soon as possible - and your car is covered if it breaks down in the 32 counties of Ireland, and in England, Scotland or Wales.

Breakdown rescue also includes, among other covers, driveway breakdown assistance at your home address.

Replacement lock

What's this?

Premier Car Insurance

Replacement lock cover

For replacing door locks, boot locks, the ignition steering lock, the lock transmitter and the central-locking interface, if your car keys or the lock transmitter are lost or stolen.

 

Windscreen cover

What's this?

Premier Car Insurance

Windscreen cover

If you use Aviva’s aligned windscreen repairers, no limit applies in the event of a windscreen claim. If you use any other repairer there is a limit of €225 for any single event.

Premier Comprehensive cover

Optional extras

Accordion

Icon expand JourneyWise accident cover

JourneyWise (also referred to as Personal Accident benefit) includes cover in the event of accidental bodily injury to any person named on your policy schedule. We will pay €26,000 in the event of death, loss of sight or loss of arm or leg and we will pay €130 for each day spent as an inpatient in hospital, for up to 20 days. You are covered while getting into or out of a private car, or any train, bus, taxi, aircraft, boat, ship or hovercraft (as a fare-paying passenger). 

Accordion

Icon expand Protected no-claims discount

This option allows you to have up to two claims in a three year period, without losing your no-claims discount.

We will not take into account claims for windscreen breakage or fire or theft for the purposes of this optional cover.

Accordion

Icon expand No-claims discount step-back

If you make a single claim or one arises during any period of insurance, we will reduce your no-claims discount as follows:

5 years no claims - 50% discount reduces to 20%
4 years no claims - 40% discount reduces to 10%
3 years no claims or less - 30% discount reduces to nil  

 

Accordion

Icon expand Open driving

With this option you can allow any driver aged 25 to 70 years to drive your car once they have a full EU licence. 

Accordion

Icon expand Policy excess options

The policy excess is the amount we will ask you to contribute towards the cost of a claim for accidental damage under your policy if you are covered comprehensively (accidental damage cover does not apply to third party, fire and theft cover).

The standard policy excess is €300. You can choose to increase or reduce this excess by agreeing to a reduced or increased premium. Here's your options:

Reduced excess
We will reduce your excess to €125 in return for a 5% increase on your premium (this option is only available if you hold a full E.U. driving licence).

Increased excess
We will increase your excess to €600 in return for a premium discount of 5%.

 

You are not obliged to purchase any of the above optional covers with our Premier insurance cover.

Discounts and savings

Car insurance for less

Some of the discounts available:

5% discount if you have a savings account or your mortgage with us, or 10% discount if you have a savings account and mortgage with us

 When you and your additional drivers are penalty points free you may be able to benefit from a discount of up to 27%. To qualify all drivers on the policy must be capable of incurring penalty points for driving offenses in Republic of Ireland and provide us with a valid driver number for each driver on the policy which can be verified by the National Vehicle Driver File.  A policy loading may be applied for penalty points incurred by you or any driver whose driving is covered by this policy.  Discounts or loadings may vary depending on the number and nature of the penalty points incurred. Don’t know how many Penalty Points you have - Call the Road Safety Authority on 1890 41 61 41

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Discounts are applied consecutively to your individual premium and are subject to a minimum premium of €280. Please refer to your specific quote document for a breakdown of your individual discounts. If there are discounts that you may qualify for but are not included on your specific quote document please contact us.

Existing customers

Got a cover query?

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Car Insurance Policy document PDF

Car Insurance

Ready to apply?

Get a quote now

Car insurance

Get a quote now

 

Would you like a quote for the first time or have you received a quote in the last 30 days?

 

Renew my policy
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