Frequently Asked Questions

Click the tabs below for our various FAQ sections. You'll find everything you need to know here.

Ready Made FAQs

No Nonsense is no longer providing new quotes. It is a trading name of FBD Insurance plc. For new customers looking for a quote, we are offering Car insurance and Home insurance under one brand - FBD.

Although No Nonsense is no longer providing quotes to new customers we are continuing to invite existing customers to renew with No Nonsense. So rest assured that if you decide to renew with us you'll be properly covered.

You must tell us of changes to all material facts relating to your car, to you and to anyone driving your car or covered on this policy. If you are in any doubt as to whether the change to your details is material, please let us know.

Contact our Customer Service Team at 1890 25 27 37 and we will make the necessary changes and send you your updated documentation. Please be aware that a €25 administration fee may apply.

Contact us on 1890 25 27 37 and we will make the necessary changes you require. Once the driver meets our underwriting criteria they can be added to the policy. There may be a variation in price however this will all be discussed with you. Please be aware that a €25 administration fee will apply.

If you are buying a new car and want to transfer your existing policy over, please contact our Customer Service Team at 1890 25 27 37 to amend your policy. There may be a variation in price and a change in the underwriting criteria for the new car however this will all be discussed with you. Please be aware that a €25 administration fee will apply.

If you have paid an annual premium and the policy is cancelled prior to the renewal date, a partial refund would be made (provided no claims have been made during the period of cover). An administration charge will apply as shown in the policy booklet under Policy Conditions.

If your policy does not meet your needs or if you are dissatisfied with the cover provided, please call our Customer Service Team at 1890 25 27 37 to discuss your options. Your cancellation rights are provided in your Nonsense Car Insurance Policy booklet.

Cover is restricted to persons named on the certificate including the policyholder.

The policy covers social, domestic and pleasure use, including travelling to and from your place of work.

There are 2 levels of primary cover available:

Third Party, Fire & Theft

Third party fire and theft will cover your legal liability for any third party injury or third party property damage claims. Additionally it will cover loss or damage to your own car as a result of fire, theft or attempted theft.

Comprehensive

Comprehensive is the most extensive level of cover available. It protects you against third party injury, property, fire and theft claims. It also covers accidental damage to your own vehicle.

Our Ready Made car insurance brings together all the basic features and benefits you require into one "ready made" product. The additional features available to you will depend on your driving experience and underlying policy cover selected.

For full details of Additional Features, Benefits and Restrictions please refer to the Features and Benefits Document.

Modifications that improve your car's value, performance, handling or attractiveness must be declared at point of quotation for rating and acceptability purposes. Please note - if you make a claim for loss or damage to your car, we will only pay the cost of replacing the parts needed for the car to meet the manufacturer's standard specification. The modifications themselves are not insured.

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. Direct debit is only available for premiums in excess of €500. This option requires an initial deposit of 25% of the premium with the rest spread over 7 monthly instalments. A net charge of 5.25% applies to the instalments.

Yes. Our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. You will know that you are submitting your payment details via an encrypted page when you see an image of a lock in the grey bar at the bottom of your browser and the website address starts with https:// (rather than http://).

It is possible for you to sign up for direct debit using methods other than a paper mandate form, for example by using the internet or telephone without any requirement for a signature. Where two signatures are currently required to authorise direct debits from your bank account, we will need to send you out a paper mandate to be signed by both parties. The direct debit facility is only available for premiums in excess of €500.

Build Your Own FAQs

No Nonsense is no longer providing new quotes. It is a trading name of FBD Insurance plc. For new customers looking for a quote, we are offering Car insurance and Home insurance under one brand - FBD.

Although No Nonsense is no longer providing quotes to new customers we are continuing to invite existing customers to renew with No Nonsense. So rest assured that if you decide to renew with us you'll be properly covered.

You must tell us of changes to all material facts relating to your car, to you and to anyone driving your car or covered on this policy. If you are in any doubt as to whether the change to your details is material, please let us know .

Contact our Customer Service Team at 1890 25 27 37 and we will make the necessary changes and send you your updated documentation. Please be aware that a €25 administration fee may apply.

Contact us on 1890 25 27 37 and we will make the necessary changes you require. Once the driver meets our underwriting criteria they can be added to the policy. There may be a variation in price however this will all be discussed with you. Please be aware that a €25 administration fee will apply.

If you are buying a new car and want to transfer your existing policy over, please contact our Customer Service Team at 1890 25 27 37 to amend your policy. There may be a variation in price and a change in the underwriting criteria for the new car however this will all be discussed with you. Please be aware that a €25 administration fee will apply.

If you have paid an annual premium and the policy is cancelled prior to the renewal date, a partial refund would be made (provided no claims have been made during the period of cover). An administration charge will apply as shown in the policy booklet under Policy Conditions.

If your policy does not meet your needs or if you are dissatisfied with the cover provided, please call our Customer Service Team at 1890 25 27 37 to discuss your options. Your cancellation rights are provided in your Nonsense Car Insurance Policy booklet.

Cover is restricted to persons named on the certificate including the policyholder.

The policy covers social, domestic and pleasure use, including travelling to and from your place of work.

There are 2 levels of primary cover available:

Third Party, Fire & Theft

Third party fire and theft will cover your legal liability for any third party injury or third party property damage claims. Additionally it will cover loss or damage to your own car as a result of fire, theft or attempted theft.

Comprehensive

Comprehensive is the most extensive level of cover available. It protects you against third party injury, property, fire and theft claims. It also covers accidental damage to your own vehicle.

Our Build Your Own car insurance is a product that allows you to build your policy feature by feature, meaning you only pay for the cover you require. The process is very simple. You just choose the basic cover you need (Third Party Fire and Theft or Comprehensive) and then pick the features that you want.

For full details of Additional Features, Benefits and Restrictions please refer to the Features and Benefits Document.

Modifications that improve your car's value, performance, handling or attractiveness must be declared at point of quotation for rating and acceptability purposes. Please note - if you make a claim for loss or damage to your car, we will only pay the cost of replacing the parts needed for the car to meet the manufacturer's standard specification. The modifications themselves are not insured.

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. Direct debit is only available for premiums in excess of €500. This option requires an initial deposit of 25% of the premium with the rest spread over 7 monthly instalments. A net charge of 5.25% applies to the instalments.

Yes. Our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. You will know that you are submitting your payment details via an encrypted page when you see an image of a lock in the grey bar at the bottom of your browser and the website address starts with https:// (rather than http://).

It is possible for you to sign up for direct debit using methods other than a paper mandate form, for example by using the internet or telephone without any requirement for a signature. Where two signatures are currently required to authorise direct debits from your bank account, we will need to send you out a paper mandate to be signed by both parties. The direct debit facility is only available for premiums in excess of €500.

Car Insurance Claim FAQs

If you are unfortunate enough to be involved in an accident or have your car stolen, vandalised or damaged in any way, you can call our Claims Team on 1890 25 27 39 to report it. We will provide you with the support you need, details of the repairer nearest you and all the steps involved.

Our Claims Team will provide you with your claim reference number, the name of our agent dealing with your claim along with the necessary contact details.

The excess amount on your policy is the amount of money which you must pay should you have a valid claim. Your policy will only provide cover above this amount.

If you have opted for the "Car Hire Cover", a courtesy car is provided by our approved repairers and is available for the duration of repairs subject to the total cover applicable under the policy.

Home Insurance FAQs

No Nonsense is no longer providing new quotes. It is a trading name of FBD Insurance plc. For new customers looking for a quote, we are offering Car insurance and Home insurance under one brand - FBD.

Although No Nonsense is no longer providing quotes to new customers we are continuing to invite existing customers to renew with No Nonsense. So rest assured that if you decide to renew with us you'll be properly covered.

Accidental Damage is an additional cover option that provides for damage to contents or property inside the home resulting from an accident.

All Risks is a cover option that provides for the loss or damage to portable items such as jewellery, laptops and sports equipment both inside and outside the home.

You can specify particular items you would like cover for. Note that a valuation certificate is required for any item worth more than €3,000.

You have two options. Firstly, you can choose contents cover as a percentage of your buildings cover. For example, if your building is insured for €200,000 and you choose 30% contents cover, then you have cover up to €60,000. Your second option is insuring the total value of all your contents as a separate sum.

With No Nonsense home insurance most of your contents are insured on a 'New for Old' basis.

This means in the event of a claim we will replace the lost or damaged item with a new one. Therefore when setting your sum insured for contents you should provide for the current cost of replacement with a new item of a similar standard.

Note: Some items are replaced including a deduction for wear and tear. This includes entertainment and ancillary equipment over 3 years old, floor covering over 5 years old, clothing and household linen.

You should insure your home for the reinstatement cost as opposed to full market value. You should insure your building for a sum insured that represents the full rebuilding costs of your house, including domestic outbuildings and drives.

You should make an additional provision in setting your sum insured for costs in removing debris after a loss, architects fees and additional costs in rebuilding to current construction and local authority regulations. The Society of Chartered Surveyors issue an annual guide in respect of home reinstatement.

For more information visit their website at www.scs.ie

It is always good advice to seek advice from a builder, architect or chartered surveyor in determining a correct sum insured for your buildings.

Avoid the mistake of insuring your property for it's market value. This is incorrect and may lead to the value of your claim being reduced in the event of a loss. The market value may be more or less than the full rebuilding cost of your home.

The building under your No Nonsense Home policy not only refers to the dwelling house building but also extends to include domestic outbuildings and garages, drives, patios, decking, tennis hard-courts and swimming pools.

You must tell us of changes to all material facts relating to you or your home on this policy. If you are in any doubt about a change to your details please let us know.

Contact our Customer Service Team at 1890 25 27 37 and we will make the necessary changes and send you your updated documentation. Please be aware that a €25 administration fee may apply.

You may cancel the policy at any time by sending us cancellation instructions in writing. Provided no claim has occurred or is pending during the period of insurance, we will return to you premium as follows.

  • If we receive your instruction to cancel your policy within 14 days of the date you take out cover, or the date you receive your policy documents (whichever is later), we will return your premium less a pro-rata premium for the period for which you have been on cover.
  • If you cancel at any time after this 14 day period providing there has been no claim registered on the policy we will refund the premium less the amount due for the time you have been on cover. An administration charge will apply as shown in the policy details.

If your Policy does not meet your needs or if you are dissatisfied with the cover provided, please call our Customer Service Team at 1890 25 27 37 to discuss your options. Your cancellation rights are provided on Page 5 of your No Nonsense Home Insurance policy details

Call our Claims Team on 1890 68 56 85 to report it. We will provide you with the support you need and all the steps involved.

Our Claims Team will provide you with your claim reference number, the name of our agent dealing with your claim along with the necessary contact details.

The excess amount on your policy is the amount of money which you must pay should you have a valid claim. Your policy will only provide cover above this amount.

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. Direct debit is only available for premiums in excess of €500. This option requires an initial deposit of 25% of the premium and the remaining balance is spread over 7 monthly instalments. A service charge of 5.25% applies to the instalments.

Yes, our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. You will know that you are submitting your payment details via an encrypted page when you see an image of a lock in the grey bar at the bottom of your browser and the website address starts with https:// (rather than http://).

It is possible for you to sign up for direct debit using methods other than a paper mandate form, for example by using the internet or telephone without any requirement for a signature. Where two signatures are currently required to authorise direct debits from your bank account, we will need to send you out a paper mandate to be signed by both parties. The direct debit facility is only available for premiums in excess of €500.