If you are moving abroad for an extended period of travelling/vacation or to work, you should first and foremost contact us for more information about the policies, procedures and particular options relevant to your specific circumstances, at 1890 33 55 77.
More generally, please find below some information you may find useful prior to your departure, grouped according to the length of time you will be abroad:
- Less than 1 Year
It may be an appropriate solution for you to suspend your policy if you are going to be living abroad for less than a year. If your car is not in use after a period of 28 days and you suspend the insurance by returning your certificate and disc to us, you will receive a pro-rata refund of your premium for the period of suspension (subject to possible administration fees) based on the time your car is out of use.
Remember if you suspend your policy, you or any named drivers will not have any cover to drive your car during this period but your vehicle may continue to be covered against fire or theft, depending on the terms of your specific policy and if you decide to leave these terms in force. However, if you have other drivers named on your policy who will continue to use the vehicle while you are abroad, you may want to keep the policy running as normal however you must inform us of the main driver of the car while you are away. If your intended stay abroad extends beyond the next renewal date and into a new period of insurance, cancelling the contract may be the better option. Please contact us to discuss the best options for you.
- 1-2 Years
The standard market practice in relation to a No Claims Discount is that it is valid for a period of 2 years from the last date on which your policy was in force (i.e., before it lapsed/was cancelled and not being used on another vehicle). So, if you have been abroad for less than 2 years and not held a policy in your own name while you have been abroad then your No Claims Discount may still be relevant providedif you have remained claim free since your last policy expired. Your No Claims Discount is based on your previous level of claims free driving experience in your own name.
- More than 2 Years
If more than two years have passed since your Irish motor insurance policy was cancelled/lapsed, your No Claims Discount is no longer valid. However, if you have claims-free driving experience in a different country in your own name, we will take this experience into consideration if you seek a quotation from us on your return to Ireland, subject to the appropriate verifiable documentation being provided. This documentation will likely constitute a No Claims Bonus Statement and/or a letter of driving experience in respect of the relevant country. Please bear in mind that all documentation you gather abroad must be verifiable and should contain as much detailed relevant information as possible including but not limited to; the dates of the insurance policy, type of insurance, certification of claims-free driving.
The documentation must:
- be issued by an insurer (not a broker or reinsurer);
- be on official company headed paper ;
- be issued in your name as the policyholder;
- be in English (this is a requirement and will not be acceptable for use if not available);
- show the number of claims free years driving allowed to the policyholder;
- show details of any claims (date of accidents, amounts paid and claims status i.e. outstanding / settled);
- show that the policy has expired and the expiry date.
We would recommend that you ensure from the outset that your prospective insurance provider abroad will be in a position to provide such documentation at the end of your period living/driving abroad or, better still, using the services of one of our affiliated companies, if one is operating in the relevant country.
Please be aware that we must verify an overseas No Claims Discount prior to cover being provided and therefore it is vital that you contact us well in advance of the date that cover is required so we can ensure your previous insurer can validate the No Claims Discount letter and information provided.