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An excess is the first amount you must pay for any claim under your policy. The standard excess on a CarProtect policy is €300. An additional €150 is applied for drivers under 25 or provisional licence holders.
All excess amounts which apply will be shown in your proposal form and schedule.
You will not be asked to pay an excess for fire, theft or windscreen and window glass cover claims.
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Switch and save
Get 35% off CarProtect Insurance with one year No Claims Discount†.
%
From 35% No Claims Discount†
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10% Online Discount
New polices only%
10% Multi-product Online Discount*
€
3 for 2 on Optional Extras**
† Based on 1 year No Claims Discount.
* Get 10% off a new Car Insurance policy if you or a family member living with you has a car, home or van policy with FBD Insurance.
** Choose 3 optional extras and the cheapest will be free in your first year. You do not have to purchase optional extras in order to purchase the main product.
FBD CarProtect policies only. Acceptance criteria, terms and conditions apply.
* Get 10% off a new Car Insurance policy if you or a family member living with you has a car, home or van policy with FBD Insurance.
** Choose 3 optional extras and the cheapest will be free in your first year. You do not have to purchase optional extras in order to purchase the main product.
FBD CarProtect policies only. Acceptance criteria, terms and conditions apply.
CarProtect Insurance Policies
We know that your car is more than a car to you. It’s your way of getting around, of meeting people, family and friends. We want you to enjoy the journey knowing that you are covered. Comprehensive CarProtect insurance includes an attractive range of benefits including:
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Courtesy car
Provided for up to 7 days while the insured car is being repaired by our recommended repairer, or up to 10 days for total loss or stolen and not recovered.
Choose from a range of great Optional Extras
CarProtect offers you great value car insurance that suits your budget and individual needs. With CarProtect, you can select the cover you want from a great range of optional extras. You can also avail of our great 3 for 2 offer – just add 3 optional extras to your policy and you can get the cheapest one free in your first year of insurance.
24hr Car Breakdown Assistance
24hr Car Breakdown Assistance
This provides you with round the clock driveway and roadside assistance following a mechanical breakdown or accident in both Ireland and the UK.
View Cover Options
Driver Accident Protection
Driver Accident Protection
Covers you or any insured driver for death, specified injuries and medical expenses following an accident in your car.
View Cover Options
Comprehensive Driving
of Other Cars
Comprehensive Driving
of Other Cars
If you have an accident whilst driving a car you don't own, we'll pay for damage to the car up to €50,000 as well as any third party claims made against you as the driver.
View Cover Options
No Claim Discount Protector
No Claim Discount Protector
Allows a single claim over two years without loss of NCD. A second claim in the period reduces NCD to 65%; a third claim will result in full loss. Available to drivers with 5 years no claims discount.
View Cover Options
Stepback No Claims Discount Protector
Stepback No Claims Discount Protector
This will lead to your no claim discount being retained but stepped back if you have a single claim. If you have more than one claim in the same period of insurance you will lose your entire no claim discount. Available to new customers with 3 or more years no claims discount.
View Cover Options
FBD's got you covered
At FBD Insurance we offer you two types of cover. Each one comes with its own unique FBD benefits, so if something does go wrong we’ll be there to help you get back to normal as quickly as possible.
CarProtect FAQs
We want to make sure you know exactly what you’re protected for. Please review our FAQs or reach out to our customer support team for further assistance.
Yes. You must answer all our questions honestly and with reasonable care. The information provided in your insurance application including your proposal form or statement of fact and any renewal applications or other communications with us, must be true, accurate and complete.
Our questions and your responses will influence our acceptance of your insurance, our calculation of your premium and the terms and conditions we apply. If you are ever in any doubt about our questions and your responses, you must tell us.
For further information, please refer to 'Your duty of disclosure', 'failure to meet this duty' and 'General Condition 1. Your Duty' of the policy booklet.
You will have completed your online application and the information you provide us with will meet our standard acceptance criteria. Once we provide you with a quotation, you pay the agreed premium and we issue you with receipt of payment, the policy will start from the date you requested. We will email or post you the details of your quotation and/or policy, outlining the information or documentation you will need to send us.
Unfortunately we will not be able to provide you with a quotation if the information you provide us with does not meet our standard acceptance criteria.
We will advise you by email or post of the information or documentation you will need to send us. Once we receiving everything from you, we will then issue you with your policy pack, containing your schedule, certificate and disc and online link to the policy booklet. The following outlines the main information and documentation needed from you:
Proposal Form or Statement of Fact
This contains the information provided by you and the declarations made by you at the time the insurance was arranged by you. We rely on this information when agreeing to offer you your contract of car insurance and the terms of your policy for the period of insurance. You will need to provide us with your signature and specify the cover start date and time.
Driver licence driving number
Full or provisional Irish licence holders or Irish driver permit holders will have to provide their driver licence numbers. The driver number is a 9 digit number that stays with a driver throughout their driving history. For Irish licences, it is found in field 5 of your paper licence or field 4d of your new plastic card licence or permit (e.g. 123456789). Driver numbers are used to validate your details from the National Driver File held by the Department of Transport.
For all other licences holders we will advise you of the information and documentation needed.
For all licence related queries, please contact the National Driver Licence Service (NDLS).
No Claim Discount (NCD)
If you have an NCD earned in your own name, we will require the original document confirming the number of years NCD earned, the number of claims free years, claims details, matching vehicle registration and expiry date.
Named Driving Experience (NDE)
If you were named on another policy as a named driver, we will require a letter from your previous insurer confirming drivers named, period of cover and details of any claims.
If you were named on a company car, we will also request a letter from your employer.
Important: We may request additional information or documentation from you before we issue you with your cert and disc.
If you want to drive your car in a public place, car insurance is a legal requirement. Failure to have motor insurance when driving is a serious offence, resulting in fines, penalty points and disqualification.
Comprehensive is our highest level of cover that offers you great protection and fantastic benefits. It gives you peace of mind knowing that if you have an accident while driving, the damage to your car is covered no matter who is at fault. It also covers accidental damage you cause to another vehicle, person, or property or if it is damaged because of fire or theft. Get the ultimate experience in car insurance protection with an FBD comprehensive quote today.
Benefits include:
- Car accident assistance
- Third party driving of other cars
- Towage and storage
- Personal belongings
- New car replacement
- Theft of keys
- Uninsured driver protection
Optional extras:
- Windscreen and window glass
- Car breakdown assistance
- Driver accident protection
- No claim discount protector
- Step-back no claim discount protector
Unfortunately, we cannot cover everything – make sure you are happy with what is not covered by checking our Policy Booklet, Features & Benefits and Cover Options, Features & Benefits.
Third party, fire and theft cover offers you more basic level of protection, compared with Comprehensive cover. Third party, fire and theft covers accidental damage you cause to another vehicle, person, or property. It also covers your car if it is damaged by fire or theft. Get the ultimate experience in car insurance protection with an FBD quote today.
Important: Third party, fire and theft does not cover you for accidental damage to your car. Accidental damage to your car is only available on Comprehensive cover.
Benefits include:
- Car accident assistance
- Third party driving of other cars
- Towage and storage
- Personal belongings
- New car replacement
- Theft of keys
Optional extras:
- Windscreen and window glass/li>
- Car breakdown assistance
- Driver accident protection
- No claim discount protector
- Step-back no claim discount protector
Unfortunately, we cannot cover everything – make sure you are happy with what is not covered by checking our Policy Booklet, Features & Benefits and Cover Options, Features & Benefits.
Third party only covers accidental damage you cause to another vehicle, person, or property. It is the minimum cover required by law and comes as standard with all our car policies.
Important: Third party only does not cover you for accidental damage to your car, fire, or theft.
Benefits include:
- Car accident assistance
- Third party driving of other cars
Unfortunately, we cannot cover everything – make sure you are happy with what is not covered by checking our Policy Booklet, Features & Benefits and Cover Options, Features & Benefits.
You can choose to insure:
(a)Your driving only.
(b)You plus other named drivers.
It may also be possible to insure open driving for an additional payment. This is at our discretion and will cover those between 25 and 71 years of age, who have your permission to drive, together with a full Irish, UK or EU licence.
Your certificate and schedule will set out exactly who is insured to drive and drivers outside this are not covered on your car insurance policy.
With CarProtect you can select from 3 options:
Social, domestic and pleasure use (including commuting)
Covers normal day-to-day driving and includes commuting to a permanent place of work. Examples of this include travelling to and from work, the shops and visiting friends and relatives.
Social, domestic, pleasure and business use
Social, domestic, pleasure use and driving by the policyholder in connection with their occupation. Examples include travel between business locations/meetings or carrying goods/samples for work. Commercial travelling is excluded.
Commercial travelling
Social, domestic, pleasure use and driving by the policyholder in connection with their occupation including commercial travelling. Commercial travelling is considered travel to customers as a permanent aspect of your occupation e.g. a sales representative.
If Third Party Driving of Other Cars is active on your policy, we will provide third party cover for you to drive someone else’s car on the island of Ireland, provided you have their permission and it is not a hire vehicle or in your custody for business reasons. To qualify for this cover you must be aged between 25 and 71 and have a full licence. Section 5 of Your Certificate of Insurance will tell you if you have Third Party Driving of Other Cars under your policy.
You don't need to contact us before driving someone's car under this cover, but you need to be aware of the following conditions.
So long as you are not entitled to cover under any other policy, the cover provided under Section 1. Third party insurance cover will also cover you (but excluding any other insured driver), while you are driving a private car other than the insured car, on the island of Ireland, provided:
1. the other car does not belong to you and minimum insurance for the car complying with the Road Traffic Acts is operative in another person’s name under a separate insurance policy,
2. it is not in your custody or control by reason of your employment or business,
3. it is not a hire or rental car,
4. it is not hired to you under a hire purchase agreement,
5. it is maintained in a roadworthy condition in line with general condition 2 in this policy booklet, and
6. you continue to observe the terms, exclusions, conditions and endorsements of your policy in so far as they can apply.
This extension applies to private cars built for the purpose of carrying passengers, which are taxed for private use, which can be driven with a category B driving licence, and which are driven with the owner’s permission only.
We will not provide any cover under this extension for any vehicle that is not a private car, including but not limited to:
- any van,
- any car-van,
- any jeep with no seats in the back, or
- any van adapted to carry passengers.
Comprehensive Driving of Other Cars
Customers that have Third Party Driving of Other Cars active on their policy and have earned earned 5 or more years NCD in their own name will be eligble to purchase the Comprehensive Driving of Other Cars Optional Extra. Please refer to the Comprehensive Driving of Other Cars Optional Extra FAQ for more information.
No. If you have purchased Comprehensive cover, you and named persons are only permitted to drive the vehicle registration number recorded on your Certificate of Insurance & Schedule.
If you have purchased Comprehensive driving of other cars as an optional extra, this only permits the policyholder to drive another car not belonging to them for a short period of time. For example, in the case of an emergency or if their own vehicle is being repaired.
Unfortunately, we cannot cover everything – make sure you are happy with what is not covered by checking our Policy Booklet, Features & Benefits and referring to the Comprehensive Driving of Other Cars FAQ for more information.
A modification is any change to the car from the Manufacturer's standard specification. Examples include alloy wheels, body styling kits and exhaust upgrades. You should tell us about these changes, regardless of whether they were on the car when you bought it. If you are uncertain whether your car is modified, check with your local garage. We will not pay for loss of or damage to any modifications on, in or to the insured car, unless they form part of the standard vehicle specification and were factory fitted prior to first registration, or we have otherwise agreed to include them.
We will provide third party insurance cover for towing a trailer attached to your car. Before towing a trailer you should make sure you have the appropriate licence.
You can also purchase additional cover for your trailers:
Detached trailer cover
Provides third party insurance cover for your trailer while it is detached from the insured vehicle
Fire and theft cover
In addition to detached trailer cover, this provides cover if your trailer is stolen or goes on fire
Accidental damage
In addition to detached trailer cover and fire and theft cover, this also gives you protection for accidental damage to your trailer.
The main cover types we provide are:
(a) Comprehensive – gives you wide protection for accidental damage to or loss of your car.
(b) Third party, fire and theft – offers more basic protection, insuring damage to or loss of your car only if it is stolen, someone tries to steal it, or goes on fire.
Third party insurance for injury to others or damage to their property is the minimum cover required by law and comes as standard with both options. It is also possible for cover to be reduced to third party only. This is at our discretion and will be noted on your policy documents if it applies to you.
Medical conditions may affect the safe operation of a vehicle. If you declare a medical condition we may request confirmation in the form of a medical report that it does not impair ability to drive safely.
Please note this does not affect the price we charge.
You must tell us within 48 hours after you become aware of any event which may lead to a claim under your policy, get our approval before you go ahead with any vehicle repairs and follow any other obligations we have set out to you. You must not admit or deny responsibility for any claim made against you, or make any offer, agreement, negotiations, or promise of payment or reimbursement, without our prior consent.
You can either make a car insurance claim online or you can call FBD claims directly on 0818 953 953 between the hours of 9am - 5.30pm, Monday to Friday.*
*Outside of business hours our 3rd party service provider will answer your call, and ask a member of the FBD claims team to call you back during business hours.
3 steps to sorting your claim - here
Yes. If you would prefer not to use our recommended repairer, we will cover repairs up to the equivalent cost of using our recommended repairer, as determined by our Motor Assessor. However, if you choose this option you won't be able to avail of the courtesy car benefit under your CarProtect policy, as this is only available when our recommended repairer is used.
For windscreen or window glass claims, policy limits apply if an approved supplier is not used (€223 for a replacement, €30 for a repair).
Yes. From time to time claims arise where liability is in dispute. Our aim in all cases is to establish the full circumstances on which to base a decision. If it is found you are liable based on the circumstances provided by all parties involved, your insurer has the right to settle a third party claim under your policy on this basis.
It may be possible to avail of our flexible accidental damage excess options, allowing you to:
- increase the excess and pay less premium, or
- reduce the excess for a higher premium.
It may be possible to increase the excess amounts under your policy to avail of a lower premium, or to reduce the excess amounts under your policy for a higher premium. You can talk to us about our flexible excess options when you are taking out or renewing your policy.
If you have Comprehensive cover, our CarProtect policy will provide a small courtesy car (up to 1.2 litre), provided you use one of our recommended repairers. We cover up to 7 days if your car is repairable or 10 days if your car is damaged beyond economic repair or stolen and not recovered.
Once a Motor Assessor deems a vehicle to be a write-off, they will calculate the vehicle's value based on open market value. This will form the basis of the settlement. There are two categories for write-offs:
Beyond Economic Repair:
A vehicle is classed as Beyond Economic Repair when the cost of repair is financially unviable.
End of Life:
A vehicle will be deemed End of Life when the extent of damage means that it's not possible to return the vehicle to a roadworthy condition. We are legally obligated to ensure that such vehicles are disposed of by an authorised garage.
Personal property is covered up to a limit of €400 where you have Third Party Fire and Theft cover or Comprehensive cover. We will cover personal items in your car including childcare accessories, handbags, sports equipment and mobile electronic devices.
No cover is provided for cash, credit cards, cheques or business goods.
No. Cash is not covered when stolen from your vehicle.
Yes. We will pay the cost of delivering your car to and from a repairer following damage. The most we will pay is €250 for any one claim.
If your car is bought brand new and damaged beyond 60% of its list price within the first 12 months, we will replace it with a new car, provided there is less than 50,000 km on the odometer.
If your keys are stolen from your home or hotel room following a break-in, we will cover the replacement costs of stolen keys, car locks and alarm up to €750 for any one incident. There is no cover for lost keys.
We will pay associated fire brigade charges connected with a valid claim up to €2000.
Yes. If you have a comprehensive policy, we will cover accidental damage to your windscreen/side windows. This is an optional extra on Third Party Fire & Theft policies (check your policy schedule to see if Windscreen and window glass cover is active).
You will not have to pay an excess and there will be no impact on your no claim discount (NCD).
Policy limits apply where an approved supplier is not used (€223 for a replacement, €30 for a repair).
No. We do not cover depreciation, wear & tear, mechanical or electrical failure, destruction by a public authority, punctures or tyre damage from using brakes.
If you have a valid damage claim where the insured driver of your car is not at fault and the other vehicle has been identified and is not insured, the damage to your car will be covered and your no claim discount will not be affected.
The table below shows the discount allowed for each NCD year on your CarProtect policy:
| NCD Years | % discount allowed |
|---|---|
| 0 | 0% |
| 1 | 35% |
| 2 | 55% |
| 3 | 65% |
| 4 | 70% |
| 5 | 75% |
A no claim discount (NCD), sometimes called a no claims bonus, is a car insurance discount recognised by most insurance companies. It is based on the number of consecutive years during which you made no claim on your policy.
Your most recent renewal notice will indicate how many NCD years you've earned. Alternatively, you can speak to your current insurer to find out.
NCD can only be used on a single car. It can be transferred to another car, but it can’t be applied to an additional car or vehicle. At our discretion we may allow you to mirror your NCD on a second vehicle.
We usually accept NCD earned in the UK and Ireland, and from policies expired within the last two years where there is a reasonable explanation for the gap in cover. We can’t provide you with an online quotation if your NCD expired over 4 weeks ago, but we may still be able to provide you with a quotation over the phone.
If you are returning from abroad and your previous Irish NCD is more than 2 years old, we may be able to recognise your driving experience if you provide us with full details.
With CarProtect, claims for fire, theft, uninsured driver protection, breakdown assistance and the windscreen and window glass additional benefit, will not affect your NCD. Any other type of claim will impact your NCD in line with our NCD scale or any NCD protection cover you have purchased.
An optional extra is an additional benefit that you can choose to add to your CarProtect policy. You do not have to purchase this as part of the main product.
You can choose from the following optional extras on the CarProtect policy, subject to underwriting acceptance critieria:
- No claims discount protector
- Step-back no claims discount protector
- Driver accident protection
- Car breakdown assistance
- Comprehensive driving of other cars
With no claims discount protector you can make a claim in a two year period and NOT lose your no claim discount (NCD).
If you have a second claim in this period, your NCD will reduce as follows:
- 75% back to 65%
- 70% back to 65%
- 65% back to 65%
If you have a third claim in this period, your NCD will reduce to zero. This cover is only available if you have 5 or more years NCD.
This benefit will only apply to your policy if it is recorded in your schedule. If it is not recorded in your schedule, no cover will apply.
With step-back no claims discount protector a single claim will reduce your no claims discount (NCD) as follows:
- 75% back to 55%
- 70% back to 55%
- 65% back to 55%
- 55% back to 35%
If you have a second claim in this period, your NCD will reduce to zero.
This protection is only available if you have 3 or more years NCD.
This benefit will only apply to your policy if it is recorded in your schedule. If it is not recorded in your schedule, no cover will apply.
With driver accident protection we will pay one of the following benefits where you or any insured driver is injured as a result of an accident while driving your car:
Death Benefit
€30,000
Total & Permanent loss of sight in one or both eyes
€15,000
Loss of limb
€15,000
Hospital expenses
Up to €350 per week and €3,000 in total
Medical & Physiotherapy expenses
Up to €1,000
Excludes accidents not reported to An Garda Síochána, drivers using alcohol or drugs and suicide.
This benefit will only apply to your policy if it is recorded in your schedule. If it is not recorded in your schedule, no cover will apply.
With car breakdown assistance we will provide round-the-clock driveway and roadside assistance following a mechanical breakdown or accident, in both Ireland and the UK.
The protection provides one hour's free labour at the roadside, your home or place of work if the car can be repaired where it is. If not, we'll cover the cost of towing it to the nearest competent repairer or to your own garage, whichever is closer. If repairs can't be carried out at the roadside and you're more than 30km away from home, we'll arrange for the completion of your journey within Ireland. See policy document for limits which apply.
The policy excess will not apply to these claims and there will be no impact on your no claim discount.
This benefit will only apply to your policy if it is recorded in your schedule. If it is not recorded in your schedule, no cover will apply.
With comprehensive driving of other cars we will provide you with comprehensive cover to drive other cars on the island of Ireland. You can purchase this cover as an optional extra if Third Party Driving of Other Cars is standard on your policy and you have a five-year no claim discount. This benefit will only apply to your policy if it is recorded in your schedule. If it is not recorded in your schedule, no cover will apply.
You don't need to contact us before driving someone's car under this cover, but you need to be aware of the following conditions.
So long as you are not entitled to cover under any other policy, the cover provided under:
- Section 2–Loss or damage to the insured car, and
- Section 3–Windscreen and window glass, will also apply while you (excluding any other insured driver) are driving a private car other than the insured car on the island of Ireland, provided:
1. The other car does not belong to you and minimum insurance for the car complying with the Road Traffic Acts is operative in another person’s name under a separate insurance policy,
2. the car is not in your custody or control by reason of your employment or business,
3. it is not a hire or rental car,
4. it is not hired to you under a hire purchase agreement,
5. you have driven the car for no more than 35 days in any one period of insurance,
6. the car has an engine size of no more than 2500cc,
7. it is maintained in a roadworthy condition in line with general condition 2 in this policy booklet, and
8. you continue to observe the terms, exclusions, conditions and endorsements of your policy in so far as they can apply. The maximum amount we will pay under this cover is up to €50,000.
This extension applies to private cars built for the purpose of carrying passengers, which are taxed for private use, which can be driven with a category B driving licence, and which are driven with the owner’s permission only.
You must tell us if there is any change in the information recorded in your schedule, certificate and completed insurance application after your policy has started. We will then let you know of any change in your premium or policy terms.
We will not cover any of the following changes in risk, after your policy has started, unless you have told us about them and we have agreed to cover them.
- Any replacement of the insured car with another car, or any change in the registration number or identification number of the insured car as recorded in your schedule and your certificate.
- Any alteration to the mechanics, structure, performance or handling of the insured car.
- Any change in the use of the insured car outside:
- the purposes you disclosed to us when taking out or renewing your policy,
- the use of the insured car recorded in your schedule, and
- the limitations as to use recorded in your certificate.
- Any change in the main driver of the insured car.
- Any disqualification of any insured driver from driving, or if any insured driver has received any driving conviction.
- Any change in the physical or medical condition of any insured driver impairing their ability to drive safely.
For further information, please refer to 'Your duty of disclosure', 'failure to meet this duty' and 'General Condition 1. Your Duty' of the policy booklet.
You can contact our Call Centre in Mullingar to make car policy changes. Call 0818 18 18 18 from 8am -7pm Monday to Friday (excluding Bank Holidays) & Saturday from 10am - 2pm.
Our local branches are open to the public Monday to Friday (excluding Bank Holidays) from 9:30am - 5pm.
Local branches can also be contacted by phone from 9am - 5pm Monday to Friday (excluding Bank Holidays). Branch contact details can be found here.
It depends. If a change is made which increases or reduces your premium by €10 or less, we don't charge the increase or refund the reduction. If it's more than €10 we will.
Separately, we apply the following fees and charges on your CarProtect policy:
- Green Cards - €20
- Changing a driver or vehicle - €20
- Suspending your policy - €20
- Issuing duplicate documents - €15
- Direct debit default - €10
- Cancellation charge* - €50
*A Cancellation charge will not be applied if you cancel the policy within the cooling off period
Yes. You must take all reasonable steps to keep the insured car in a roadworthy condition and safeguard it from loss or damage..
The insured car must:
- be fitted with correctly working lights, mirrors and braking systems,
- use appropriate tyres complying with the minimum legal tread depth,
- be equipped with anti-freeze, oil, and other necessary fluids as recommended by the manufacturer and be garaged where possible,
- never be left unattended or unlocked with keys still inside the car or any window or sunroof open.
You will receive your renewal documents by post or an email notification to download your documents at least 20 working days before the expiry date of your current policy of insurance. We will send you details of your 'Renewal Number' and 'Renewal PIN' that will need to be entered into the 'Renew-online login' area here.
If you have not received your renewal documents, please call us on 0818 18 18 18 or email us at info@FBD.ie
With FBD, full policy cover applies in Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands, or for up to 40 days in other EU territories. To apply for full policy cover beyond this, you will need to contact us. The policy also extends to give the minimum cover required by law in other EU Territories.
If you have cover to drive other cars, this will apply on the island of Ireland only. If your policy includes car breakdown assistance, this will apply in Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands only.
For information about the territorial limits that apply to your policy, see the ‘Territorial limits’ heading under the Key information section in this policy booklet.
Yes. You can suspend your policy in its entirity. The cover under your policy can be suspended from the date we have received your request in writing, together with your current certificate and insurance disc.
If you are paying by direct debit, we will continue to collect your direct debit instalments during the period of suspension.
We will refund the premium for the suspension period, less any administration fee, provided:
- the suspension has lasted for at least 28 days in a row,
- there has been no claim on your policy, and
- no claim is pending.
Yes, but there is charge of €15 to re-issue some duplicate documents. This applies to the following CarProtect documents:
- Insurance Certificate and Disc
- No claim discount letter
All non-life policies are sold with a ‘cooling off’ period once your contract is for a period of 30 days or longer. The cooling off period will apply both at New Business and at Renewal, and will last for 14 working days from the date you receive your policy documents.
If you cancel your policy within the cooling off period, you will be charged proportionally for the period you were on cover. In the case of life products, you should read your policy documents for information about cooling off periods.
Yes. You may cancel your policy at any time. Just write to us with your cancellation instructions.
For motor insurance, you must also return the insurance certificate and insurance disc to us. FBD Insurance plc will cancel the policy from the date we receive your instructions, certificate and disc, if appropriate.
Yes. If FBD Insurance plc cancels your policy, we will give you seven days’ notice in writing to your last known address (10 days’ notice in the case of motor insurance policies).
We can also treat the policy as invalid or as if it never existed if you do not provide us with correct information, valid documents and the payment required to put cover in place.
If your policy is cancelled, this could make it more difficult for you to apply for other insurance policies in the future.
FBD Insurance plc will return the premium you paid for the period of insurance left to run, if:
- You cancel the policy within the cooling off period, or
- We cancel the policy.
- the refund amount due is over €1,
- there has been no claim on your policy, and
- no claim is pending.
A flat €50 charge applies in all cases if you cancel the policy outside the cooling off period.
If you cancel your policy within the cooling off period, you will be charged proportionally for the period you were on cover.
CarProtect Insurance Documents
You can read our current CarProtect insurance documents at the links below. If you have already purchased your policy, you will need to check the documents you received as part of the purchase process to read the insurance documents applicable to your policy.
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