Car Insurance FAQ'S

Buying a Policy

Can I buy No Nonsense Car Insurance online?

Yes. You can purchase your car insurance directly through this website.

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.

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

Do I need to answer all questions on the application?

You have a duty to disclose to us all material facts. A material fact is any information likely to influence our acceptance of your insurance, our calculation of your premium or the terms and conditions we apply to your policy. If you fail to disclose to us any such material fact we may cancel or invalidate your insurance policy.

What is proof of No Claims Discount?

This is the document you are required to submit as your proof of No Claims Discount. It is normally 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 Discount entitlement from Irish or UK Insurers. We cannot return your proof of No Claims Discount once it has been used for your No Nonsense policy.

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.

When will I receive my Insurance Certificate and Disc?

You will receive your 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.

What payment options are available to me?

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. You may also pay by direct debit if you prefer. 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.

Amending a Policy

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 as to whether the change to your details is material, please let us know .

What should I do if I need to make a change to my insurance?

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.

How do I add a driver to my car insurance policy?

Contact us on 1890 25 27 37 and we will make the necessary changes you require.

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, 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, but this will be discussed with you.

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). An administration charge will apply as shown in the policy booklet under Policy Conditions.

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 25 27 37 to discuss your options. Your Cancellation rights are provided on Page 1 of your No Nonsense Car Insurance Policy booklet.

My Policy – Cover, Features & Benefits

Who can drive my car?

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

How can I use my car?

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

What Primary Covers are available under No Nonsense Car Insurance?

There are 3 levels of Primary Cover available:

Third Party Only
This is the minimum level of cover required on all motor vehicles used on public roads. This provides cover for injury to other people and damage to others property arising from the use of your car.

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 available, offering Third Party cover along with Fire, Theft and Accidental Damage.

What is ‘Build Your Own’ policy?

"Build Your Own" is a stripped down product that allows you to choose only the cover you want, starting from the most basic cover to get you on the road, with the option to add on the additional benefits that suit you. 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.

What is ‘Ready Made’ policy?

Our "Ready Made" product is hassle-free and provides the cover you need in a simple low cost package. 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.

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

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.

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.

What is a Policy Excess?

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.

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 the duration of repairs subject to the total cover applicable under the policy.

Payments

How can I pay for my policy?

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. You may also pay by direct debit if you prefer. 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.

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://).

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.

SmartDriver FAQ'S

What is SmartDriver?

SmartDriver is a small self-installed device to measure how and when you drive. For 90 days, this little device will help us build a picture of your driving behaviour. After which you will receive feedback and, if you qualify, cash back on your premium. We will continue to measure your driving for a further 90 days (6 months in total) to calculate your renewal premium. We don’t focus on minor or isolated incidences of driving – the idea is to assess your driving behaviour and calculate a driver score.

How does SmartDriver assess my driving?

The SmartDriver device will measure and transmit various aspects of how and when the vehicle is driven. We will collect the time, date, location coordinates and frequency the car is driven, as well as, braking frequency and force, cornering and acceleration. We will only use how severe or smooth you brake as well as the days of the week and time you drive to calculate your score and qualifying cash back amount.

How can I achieve cash back?

Safe driving is determined by how and when you drive. Safe drivers will receive cash back based on their driving score. A driving score of 51 or greater will receive cash back; a driving score of 71 and greater will receive a full 30% cash back The maximum cash back safe drivers can achieve is 30%.

Can the results be used against me?

Your results will be used to determine the level of cash back you are due after 90 days and to help us calculate your renewal premium. We will not increase your premium in the first year or cancel your policy based on the SmartDriver results. However, your renewal premium may increase as well as decrease as a result.

Are the conditions of the road, other poor drivers’ errors, or weather taken into account?

The SmartDriver device measures how and when you drive. While external factors may impact on these factors, we monitor your driving behaviour for an initial 3 months and for a further 3 months to validate your driving behaviour. This is sufficient time to reflect your real driving behaviour and outweigh rare or once-off events.

How do I claim my cash back?

If you paid in full, then we will issue you a cheque for your cash back amount. If you pay by Direct Debit, then the cash back amount will be applied across your remaining instalments, thereby reducing your monthly payments.

What if the device is lost, stolen or damaged?

If your device is lost, stolen or damaged you will not be charged for the cost of the device. We will simply replace the device at no additional cost. However, if the device is damaged, we ask that you return it to us by FREEPOST before we replace it.

What data will you collect?

We will collect the time, date, location coordinates and frequency the car is driven, as well as, braking frequency and force, cornering and acceleration. We will only use how severe or smooth you brake as well as the days of the week and time you drive to calculate your score and qualifying cash back amount. The other data is only collected for the purpose of analysis and refining the scoring calculation.

What will you do with my data?

The data we collect will be used to help us build an understanding of your driving behaviour. Using this information, we will be able to calculate a driver score and provide up to 30% cash back to safe drivers. Safe driving is determined by how and when you drive.

How secure is the data you collect and who will you share it with?

The data we collect will adhere to the high standards that No Nonsense applies for all customer data collected. We will not share your personal data with any other party except where legally obligated to do so or where you have given your consent. To learn more, please read our Data Protection Notice which is included in our terms of business.

What happens to this data once the assessment period is over?

We will retain the information you have provided us and the data we collected for as long as is permitted by law. This information may be kept for up to six years after the conclusion of your relationship with us.

I’m looking to insure with No Nonsense in my parent’s name with me as a named driver, is this possible?

SmartDriver is only suitable for policy holders under the age of 30. Although it is available for drivers over 30 we provide alternative offerings that are more appropriate for these drivers, whether they add named drivers or not.

Can my insurance go up in price with SmartDriver?

By installing the SmartDriver device your premium will not increase during your first year. Needless to say, if you make insurance policy alterations, increased premiums may apply. Your renewal premium may go up as well as down based on a number of factors including your full SmartDriver results.

Will additional drivers on the Policy be measured?

Yes. We offer insurance cover on the vehicle for you and any Named Drivers on your policy. Your SmartDriver rate will be based on the overall driving of the vehicle.

If I bring my car abroad, will my driving be measured while I’m out of the country?

While you are abroad, your driving data will be recorded but not transmitted. There is data storage on board the device and this will transmit your driving data to us when you return to Ireland.

Will the device still record data if there is no GPS signal?

The device uses GPS signals from satellites to determine location. If there is no signal the device has no data to record. However, it is a rare event when there is no GPS signal available over significant distances.

Will I be scored poorly if I have a claim during the assessment period?

If you have a claim during the assessment period your score will not be affected. Your policy will be subject to existing No Nonsense claims criteria at renewal, such as, if you lose your no claims discount as a result of a claim, then you will see an increase in your premium.

Will I earn a No Claims Discount during the assessment period?

Yes. Your policy will operate as normal during this time. Please refer to the ‘No Claim Discount’ section of your policy document.

How do I receive the SmartDriver device?

Once we have received your signed proposal form and No Claims Discount form, we will post the device to the address indicated by you when you purchased SmartDriver. You then select the time and date you want your cover to begin. If you choose cover to begin immediately upon purchase of the SmartDriver product, we will cover you while we are processing your policy and distributing your device.

How is the SmartDriver device installed?

In the vast majority of cases, the SmartDriver device will be directly installed into your car’s On-Board Diagnostic (OBD-II) port. In a very small number of cases, depending on your car’s make, model and year of manufacturer, the device will need to be installed by connecting it to your car’s battery.

What if I have difficulty installing the device?

If you have any trouble installing your SmartDriver device, help is just a call or click away. You can access the installation web page here, or you can contact the No Nonsense team (Monday to Friday) from 9am to 6pm on Locall 1890 25 27 37.

What happens if my car goes in for servicing?

If the device is plugged in to the OBD II port, you should remove it before servicing begins. Make sure to plug it back in after the car has been serviced. This will ensure the device is not lost or damaged.

Can I stop the trial after 30 days if I see that my results are not looking good?

Yes, you can change from a SmartDriver policy to a normal No Nonsense policy at any time. Should you decide to opt out of SmartDriver please contact No Nonsense on 1890 25 27 37 and return the device in the Freepost packaging provided.

Home Insurance FAQ'S

Buying a Policy

What payment options are available to me?

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. You may also pay by direct debit if you prefer. 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.

What is "Accidental Damage"?

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

What is "All Risks"?

All Risks cover 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.

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.

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.

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 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.

What is meant by "Buildings Cover"?

The building under your FBD 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.

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

What types of changes do I need to tell you about?

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.

What should I do if I need to make a change to my insurance?

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

Do I get a refund if I cancel my Policy before the 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.

• If you cancel within the cooling-off period. If we receive your instruction within 14 days of the date you take 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.
• If you cancel at any time after the cooling-off period an administration charge will apply as shown in the Policy Details.

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 25 27 37 to discuss your options.
Your Cancellation rights are provided on Page 5 of your Non Nonsense Home Insurance Policy Details.

Claims

How do I make a claim?

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.

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.

What is a "Policy Excess"?

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.

Payments

How can I pay for my policy?

You can pay your premium online by debit card or credit card. There is no extra charge for using any of these payment methods. You may also pay by direct debit if you prefer. 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.

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://).

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.