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Mar 29 2020

Cheap car insurance for young drivers #Cheap #car #insurance #for #young #drivers



Cheap car insurance for young drivers


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Looking for great value Car Insurance in Ireland?

Life’s complicated enough. So we’ve made buying car insurance simple and fair, with all the benefits you’d expect and more. That’s car insurance that’s Ready for the Real World.

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Car Policy features and benefits

We don’t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance.

For those days when your car won’t start or breaks down at the side of the road, use our free 24-hour breakdown cover or home start. Using this breakdown assistance will not affect your no-claims bonus.

If you cannot drive the vehicle as a result of a breakdown, we will arrange and pay for one hour’s labour at the roadside or at your home and towing the vehicle to the nearest competent repairer or to a garage of your choice, whichever is closer.

If the repairs cannot be completed where the vehicle broke down and you are away from home (at least 3 kilometres), we can arrange and pay up to €150 for one of the following:

  1. Transport for you and any non-fare paying passengers to your intended destination within the territorial limits.
    2. Use of a replacement vehicle for up to 48 hours while repairs are being carried out; or
    3. Bed-and-breakfast-only accommodation for one night only while repairs are being carried out, up to €35 for each person and €150 in total.
    If the vehicle is repaired, we will provide the cost of public transport for you to collect the vehicle.

For the full list of terms and conditions, please refer to the Car Insurance Policy booklet, which can be downloaded below.

  • Maximum three call-outs per year.

If your certificate of insurance says so, we will also cover you, the policyholder, for your liability to other people while you are driving any other private motor car which you do not own or have not hired under a hire-purchase or lease agreement, as long as:

  1. The other car is not owned by your spouse / common law partner or employer or hired to them under a hire-purchase or lease agreement;
    2. You currently hold a full European Union (EU) licence;
    3. The use of the other car is covered in your certificate of insurance;
    4. There is a current insurance policy in place in another person’s name that covers the other car;
    5. You have the owner’s permission to drive the other car;
    6. The other car is in a roadworthy condition and holds a valid NCT;
    7. You still have the insured vehicle and it holds a valid NCT and is in a roadworthy condition.
    8. You are not covered under any other policy to drive the other car;

This extension applies while being driven within the territorial limits and only to private passenger cars. It does not include:

  • Vans;
    Car-vans;
    – Crew Cabs;
    – Jeep-type vehicles with no seats in the back;
    – Vans adapted to carry passengers; or
    – Any vehicles taxed commercially.

The cover you need for those unavoidable windscreen damages, giving you peace of mind with Liberty Insurance windscreen cover.

Windscreen repair and replacement* cover is included on all comprehensive private motor policies. This is an optional cover for third party, fire and theft policies. We will pay the full cost of repairing or replacing (less the excess) damaged or broken glass in the windscreen or windows of the vehicle, as long as there has not been any other loss or damage. Claims under this section will not affect your no-claims bonus.

We will not pay for:

  1. any amount over €150 for replacement (less the excess) or €50 for repair if the work is not carried out by
    2. our approved windscreen specialists;
    3. any more than two claims under this section during the period of insurance;
    4. damaged or broken glass in sunroofs, glass roofs or panoramic sunroofs
    5. damaged or broken glass to vehicles that are temporarily covered; or
    6. damage caused by wear and tear or negligence.

For the full list of terms and conditions, please refer to the Car Insurance Policy booklet, which can be downloaded below.

[*] Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.

We provide the minimum cover you need by law to use your car in any EU country or any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union, for up to 93 days. We will extend your cover to the same level you use at home (as shown in your schedule) when you want to get away on a much needed holiday in Europe, or need to work or attend school abroad. The following cover does not apply while you are using your car abroad.
• Driving other cars
• Breakdown assistance

For further information, pleases refer to the policy booklet, which can be downloaded below.

If your car is stolen and you don’t have it back within 24 hours, we will provide a hire car until it is recovered, up to a max of five days. The car will be automatically insured under this policy, once you tell us the registration number. If the hire car is lost or damaged, we will decide how and where the car is repaired or replaced. This benefit applies to comprehensive policies only. It is your responsibility to make sure that you meet the car hire conditions.
These may include, but are not limited to:
a) a full driving licence without endorsements
b) a credit-card deposit
c) the car being returned to the pick-up point.

The car will be automatically insured under this policy, once you tell us the registration number. If the hire car is lost or damaged, we will decide how and where the car is repaired or replaced.

This benefit does not apply to:
a) use of a hire car outside the territorial limits (the territorial limits are listed in the policy booklet);
b) the cost of fuel;
c) collection and delivery charges;
d) for any extra costs for use of a car that is better than our standard hire car (our standard hire car is usually a class-A vehicle); or
e) any costs where the hire car is not returned on time.

This benefit applies to private motor vehicles only.


SOURCE: http://www.libertyinsurance.ie/car-insurance/young-drivers

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