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Car Insurance

• Buying a Policy
  • 1. Can I buy No Nonsense Car Insurance online?
    Yes, you can purchase your car insurance directly through this website. Start by completing the Instant Quote form on the left-hand site of the page and follow the steps.
  • 2. Can I get immediate cover?
    Yes. Subject to your payment and application being successfully processed, cover can be arranged immediately or alternatively from a date and time you choose in the future.
    
    Continuance of cover is subject to you returning to us the Proposal Form signed and dated and submitting to us proof of No Claims Discount within 30 days of arranging your Policy.
  • 3. What documentation do I need to take out No Nonsense Car Insurance?
    Usually to complete the transaction we require just:
    - Return of Proposal Form signed and dated.
    - Proof of No Claims Discount entitlement.
  • 4. Do I need to answer all questions on the application?
    It is important to answer questions truthfully and accurately. If you make a false declaration on your application or do not disclose information which could affect your policy this could make your insurance invalid and further you could leave yourself liable to be prosecuted for a Criminal offence under the Criminal Justice (Theft and Fraud Offences) Acts.
  • 5. What is proof of no claims discount?
    The document you are required to submit as your proof of no claims discount is The No Claims Discount Certificate that would be attached to your renewal notice from your previous insurer or a letter of cancellation stating your no claims discount entitlement. We accept only original proofs of No Claims Discounts entitlement from Irish or UK Insurers. We can not return your proof of No Claims Discount once it has been used for your No Nonsense policy.
  • 6. I need to enter details of claims and/or convictions - can I still get a quote online?
    Yes, we will be taking your driving history into account so we will ask you to enter details of any claims or convictions that you may have. There may be occasions when we need to discuss these with you prior to giving you a quotation.
  • 7. When will I receive my insurance Certificate and Disc?
    You will receive the Insurance Certificate, Disc and Policy Schedule from us by post within 5 working days. This is on condition that we have received your signed Proposal Form and Proof of No Claims Discount.
  • 8. What payment options are available to me?
    You can pay your premium annually online by Laser or other debit card or by credit card. There is no extra charge for using any of these payment methods.
    If you would like to sign up for a monthly direct debit you can also do so online at the point of purchase.
    There is an initial deposit of 25% of the premium with the rest spread over 7 monthly instalments. A net charge of 5.25% (16.8% APR) applies to the instalments.
• Amending a Policy
  • 1. What types of changes do I need to tell you about?
    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 about a change to your details please let us know.
  • 2. What should I do if I need to make a change to my insurance?
    Contact us on our Customer Service Team at 1890 252 737 and we will make the necessary changes and send you updated documentation. Please be aware that a €25 administration fee may apply.
  • 3. How do I add a driver to my car insurance policy?
    We don't currently offer the facility to change or view policies online. Please call us to check and change your details.
  • 4. If I am buying a new car, how do I transfer my existing policy over to the new vehicle?
    If you are buying a new car and want to transfer your existing policy over, contact our Customer Service Team at 1890 252 737 and amend your policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.
  • 5. Do I get a refund if I cancel my Policy before renewal date?
    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).
  • 6. What should I do if my insurance Policy is no longer suitable to my needs?
    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 252 737 to discuss your options.
    Your Cancellation rights are provided on Page 1 of your Non Nonsense Car Insurance Policy booklet. `
• My Policy - Cover & Benefits
  • 1. Who can drive my car?
    Cover is restricted to persons named on the certificate including the policyholder.
  • 2. How can I use my car?
    The policy covers social, domestic and pleasure use, including travelling to and from your place of work.
  • 3. What type of cover is available under No Nonsense Car Insurance?
    There are 3 levels of cover available:
    
    Third Party Only
    This is the minimum level of cover required on all motor vehicles used on public roads. Third Party Cover will provide legal protection for the Insured Vehicle Driver should a claim be brought against him for personal injury or damage to property arising from a car accident.
    
    Third Party Fire & Theft
    This cover combines Third Party cover (as mentioned above) along with the extra covers of Theft and Fire
    
    Comprehensive
    This is the highest form of protection offering Third Party cover along with Fire, Theft and Accidental Damage.
  • 4. What is a Policy Excess?
    The Policy Excess is the amount you pay when making a claim or when a claim is made against you. If you increase the amount of the excess you can reduce your premium. There is no excess payable under any of the Optional Additional Covers that you may select.
  • 5. What are the Optional Additional Covers on this Policy?
    The Optional Additional Covers available to you will depend on your driving experience and underlying Policy Cover selected. When comprehensive cover is selected the following options are available:

    • Windscreen Cover
    • Driving of other Cars extension.
    • No Claims Bonus Protection
    • Personal accident and Medical Expenses
    • Personal Property
    • Car Hire benefits
    • Roadside and Doorstep Car Breakdown Assistance
  • 6. Will you insure my car if it has modifications?
    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.
• Claims
  • 1. How do I make a claim?
    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.
  • 2. How do I keep track of my car claim
    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.
  • 3. What is a Policy Excess?
    Policy excess is the amount you pay towards repair after an accidental damage or theft claim. If you increase the amount of the excess you can reduce your premium
  • 4. How do I get about whilst my car is being repaired?
    If you have opted for the "Car Hire Cover", a courtesy car is provided by our approved repairers and is available for duration of repairs subject to the total cover applicable under the policy.
• Payments
  • 1. How can I pay for my policy?
    We can accept payment from credit (Visa, Mastercard) or debit (Laser) cards in one lump sum. If you would like to pay for the premium by Direct Debit you can pay over 7 monthly instalments, however an initial deposit payable by credit or debit card is required. If paying by card, the card number refers to the long number shown across the middle of your card (this is between 16 and 21 digits)
  • 2. Is it safe to pay for my policy on the Internet?
    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://).
  • 3. Can I sign up for Direct Debit online?
    Yes it is now possible for you to sign up for a Direct Debit using methods other than a paper mandate form, for example by using the Internet or telephone without any requirement for a signature. We facilitate this new service. 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.

Home Insurance

• Buying a Policy
  • 1. What payment options are available to me?
    You can pay your premium annually online by Laser or other debit card or by credit card. There is no extra charge for using any of these payment methods.
    
    If you would like to sign up for a monthly direct debit you can also do so online at the point of purchase. There is an initial deposit of 25% of the premium with the rest spread over 7 monthly instalments. A net charge of 5.25% (16.8% APR) applies to the instalments.
    
  • 2. What is "accidental damage"?
    Accidental Damage cover is an optional cover that provides for damage to contents or property inside the home resulting from an accident.
    
    
  • 3. What is "all risks"?
    All Risks cover is an optional cover 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.
  • 4. How much contents cover should I choose?
    You have two options. Firstly, you can choose contents cover as a percentage of your building 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.
  • 5. What is the rebuild cost of my home?
    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 and other items as outlined in the answer to Question 1.
    
    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 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 its 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.
  • 6. What is meant by buildings cover?
    The building under your FBD Home Policy not only refers to the Dwellinghouse Building but also extends to include domestic outbuildings and garages, drives, patios, decking, tennis hard courts and swimming pools.
    
    Buildings are insured against a range of risks such as fire, storm, damage from a water leak or falling trees. FBD standard Building Cover includes accidental damage cover FREE on owner occupied houses.
• Amending a Policy
  • 1. What types of changes do I need to tell you about?
    1. 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.
  • 2. What should I do if I need to make a change to my insurance?
    Contact us on our Customer Service Team at 1890 252 737 and we will make the necessary changes and send you updated documentation. Please be aware that a €25 administration fee may apply.
  • 3. Do I get a refund if I cancel my Policy before renewal date?
    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.
    
    A.) If you cancel within the cooling-off period. If we receive your instruction within 14 days of the date of you taking out cover, or the date you receive your policy documents (the cooling-off period), whichever is later, we will return your premium less a pro-rata premium for the period for which you have been covered for.
    
    B.) If you cancel at any time after the cooling-off period an administration charge will apply as shown in the policy booklet under General Policy Conditions.
  • 4. What should I do if my insurance Policy is no longer suitable to my needs?
    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 252 737 to discuss your options.
    
    Your Cancellation rights are provided on Page 5 of your Non Nonsense Home Insurance Policy booklet. `
• Claims
  • 1. How do I make a claim?
    Call our Claims Team on 1890 685 685 to report it. We will provide you with the support you need and all the steps involved.
  • 2. How do I keep track of my home claim
    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.
  • 3. What is a Policy Excess?
    Policy excess is the amount you pay towards a claim. If you increase the amount of the excess you can reduce your premium
• Payments
  • 1. How can I pay for my policy?
    We can accept payment from credit (Visa, Mastercard) or debit (Laser) cards in one lump sum. If you would like to pay for the premium by Direct Debit you can pay over 7 monthly instalments, however an initial deposit payable by credit or debit card is required. If paying by card, the card number refers to the long number shown across the middle of your card (this is between 16 and 21 digits)
  • 2. Is it safe to pay for my policy on the Internet?
    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://).
  • 3. Can I sign up for Direct Debit online?
    Yes it is now possible for you to sign up for a Direct Debit using methods other than a paper mandate form, for example by using the Internet or telephone without any requirement for a signature. We facilitate this new service. 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.

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