Ulster Bank Car Insurance is introduced by Ulster Bank Ireland DAC 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.
|Discount is tiered depending on what type of accounts you already hold with us. Quotes are valid for 30 days. Underwriting criteria and minimum premium applies. Offer can be withdrawn at any time.|
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:
Description, exclusions and
|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.
You must be the original registered owner of the car and the car must be damaged
in a sigle accident resulting in a repair or re-instatement cost of more than 50% of
the value of the car when new.
|Personal belongings||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.
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.
|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.
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.
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.
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).
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.
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
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.
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:
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).
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 policy.|
Some of the discounts available:
test 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
test 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.
|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.|