Your Private Motor Vehicle Insurance - Policy Document (Republic of Ireland) - Munster Group Insurance
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Your Private Motor Vehicle Insurance
Policy Document (Republic of Ireland)
Proud Partner
Contents
Useful telephone numbers – Contents
Claims helpline: Introduction.............................................................................. 2
1850 85 8530 Definitions................................................................................ 3
Call this 24-hour number if you need to
report a claim on your policy.
Your insurance cover............................................................... 4
Windscreen helpline: General conditions which apply to the whole policy................ 6
1890 94 4410
00 800 88 0 88 228 General exceptions which apply to the whole policy............... 12
(If calling from outside the Republic of Ireland)
Check your schedule to see if you Section 1 Loss of or damage to the insured vehicle............... 13
have this cover.
Call this 24-hour number to arrange for Section 2 Liability to other people.......................................... 17
your windscreen to be repaired or replaced
(refer to page 19 for more details). Section 3 Windscreen cover................................................... 19
Section 4 Breakdown assistance........................................... 20
Breakdown assistance helpline:
1800 70 60 80 Customer care......................................................................... 22
00353 91 560636 NI & UK
Call this 24-hour number if you need Summary data protection statement....................................... 23
roadside assistance, home-start, vehicle
recovery or journey completion (refer to
page 20 for more details).
Policy changes or queries
Please contact your insurance broker if
your circumstances change and you need
to update your policy or if you have a
question.
Liberty Insurance 1
Introduction Definitions
Introduction Definitions
We, Liberty Insurance, agree to provide insurance to you, the insured named in the policy Accessories – parts or products specifically designed to be fitted to your car, but not
schedule, for events which happen in the Republic of Ireland, Northern Ireland or Great including personal belongings, child car seats, car audio, parking systems, phone, phone
Britain (including the Isle of Man and Channel Islands) during any period of insurance that system, in-car entertainment or satellite navigation systems.
you have paid, or have agreed to pay, the premium. If more than one person is named as Being driven – being in the charge of a person who has driven, or will drive the vehicle,
the insured, the insurance will apply to each of you. even if they are not driving at the time.
Business – your occupation as described in the schedule.
On behalf of Liberty Insurance
Car-van – a car that has no fixed seats in the back.
Certificate of insurance – the document which is evidence that you have taken out the
insurance needed by law which shows who can drive the vehicle and the purposes of use.
Tom McIlduff
Courtesy car – a vehicle that we may provide, if you have comprehensive cover, while your
CEO Western European Markets
vehicle is being repaired by our recommended repairer.
Liberty Seguros, Compania de Seguros Y Reaseguros, S.A, trading as Liberty Insurance is authorised Excess – the first amount, as shown in the schedule, of each claim for loss or damage.
by the General Directorate of Insurance and Pension Funds in Spain and is regulated by the Central Market value – the cost of replacing the vehicle with one of the same make, model and age
Bank of Ireland for conduct of business rules. Liberty Insurance is registered in Ireland, registration
and condition at the time of the accident or loss.
number 904632. You can contact the Central Bank of Ireland on 1890 77 77 77.
Period of insurance – the period shown in the schedule and any further period for which we
agree to insure you. For the purpose of the no-claims bonus, ‘period of insurance’ means
one year from the beginning of the policy to the first renewal date, and then each year
between renewal dates.
Recommended repairer – A repairer from our approved network that we authorise to repair
your vehicle.
Territorial limits – Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and
the Channel Islands, or while the vehicle is being transported by sea, air or rail (including
loading or unloading) between these places.
Vehicle – the vehicle described in the schedule of this policy and any vehicle:
• you have given us details of;
• we have provided a certificate of insurance for; and
• for which the insurance is still in place.
• Or any vehicle we have agreed to temporarily transfer cover to.
We, us – Liberty Insurance.
You, your – the person named as the insured in the policy schedule.
2 Liberty Insurance Liberty Insurance 3
Your insurance cover Your insurance cover
Your insurance cover
So you understand what you are Car sharing No-claims bonus this when you renew the policy. At that
covered for, please read this document, You can accept payments as part of a car- If no claim arises during the period of stage you can then start to earn no-claims
the schedule and the certificate of sharing arrangement for giving people lifts insurance, at the renewal date we will bonuses for periods of insurance in which
insurance carefully. You should pay for social or similar purposes. We will not reduce the renewal premium in line with no claim arises.
special attention to the general terms, treat these payments as charging fares as our no-claims bonus scale applying at the If no claim arises during the period of
exceptions and conditions. If you have part of a business of carrying passengers renewal date. You can ask for details of the insurance, the introductory bonus will apply
any questions, you should contact us or as long as: no-claims bonus scale. when you next renew the policy and at
your insurance advisor. a the vehicle is not built or adapted to If a claim arises during any period of every renewal date until the introductory
carry more than eight passengers (not insurance, we will reduce your no-claims bonus equals or is less than the no-claims
Comprehensive cover – sections 1, 2 and including the driver); bonus as follows bonus reduction which would apply. The
4 of this policy apply. b the passengers are not being carried as no-claims bonus you get will only take
part of a passenger-carrying business; No-claims bonus Reduced to account of the period of cover we have
Third-party, fire and theft cover – section 1 provided under this or other motor policies
c the total contributions you receive for 1 year 0 years
applies for loss of or damage to the vehicle in your name.
the journey do not provide a profit; and
caused directly by fire, lightning, explosion, 2 years 0 years
d the number of passengers (including
theft or attempted theft. Sections 2 and 4 of 3 years 0 years
the driver) is not more than the vehicle Protected no-claims bonus
this policy also apply.
manufacturer’s recommended limit. 4 years 1 year You can pay an extra premium for a
Third-party only cover – sections 2 and 4 of 5 years or above 2 years protected no-claims bonus extension once
this policy apply. Limits on use you have earned a no-claims bonus of four
The general exceptions and general The insurance only covers you if you use We will not reduce your no-claims bonus years or more. You will keep that no-claims
conditions apply to all levels of cover. the vehicle in the way described in your as a result of claims for: bonus as long as no more than one claim
certificate of insurance. We will not cover • windscreen claims made under Section arises during the period of insurance for
Section 3 (windscreen cover) only applies you for: 3 Windscreen cover; which the extra premium applies. Although
if it is shown in the schedule. a any use connected with the motor • claims made under Section 4 you can protect your no-claims bonus,
trade, unless the use is described in Breakdown assistance; or your premium may still be affected by any
your certificate of insurance; • payments (including costs and claims we pay. This cover only applies if it
b hiring out the vehicle for money; or expenses) which we later get back is shown in your schedule.
c racing or being in any contest or speed in full.
trial. If two or more claims arise in any period of
insurance, we will reduce your no-claims
Description of drivers bonus to zero at your next renewal.
Any person shown in the certificate of You cannot transfer your no-claims bonus
insurance can drive the vehicle. Where to anyone else and it may only be used on
‘any driver’ is shown, please see the one vehicle at a time.
schedule for any restrictions.
Introductory bonus
If we have reduced your first premium
using an introductory bonus, we will
remove the reduction if a claim arises
during the period of insurance. We will do
4 Liberty Insurance Liberty Insurance 5
General conditions which apply to the whole policy General conditions which apply to the whole policy
General conditions which apply
to the whole policy b we have received your certificate of
insurance and insurance disc.
b you want to use the vehicle for any
use not included in your certificate of
3. We may choose to cancel the policy, insurance;
These general conditions apply to If you cancel your policy in the first year c you change the address at which
of insurance after the first 14 days, we without giving you a reason, by
all sections of this policy. sending you 10 days’ written notice you normally keep the vehicle;
will work out your refund based on our d you or anyone covered by this
Where we refer to ‘you’ in these conditions, to your last known address. We will
cancellation rates as shown below. policy are charged or convicted of a
it includes your personal representative. refund your premium for any period of
If your policy is cancelled at any other insurance remaining less any optional motoring offence;
1. We will only have to make a payment time, we will refund your premium for e you become aware of any medical or
windscreen cover. You must return
under this policy if: any period of insurance remaining, less physical condition of any driver that
to us immediately your certificate of
a all the answers in the proposal and an administration fee of €50. may affect their ability to drive;
insurance and insurance disc to avoid
declaration for this insurance are f you or any driver change occupation;
If you pay by instalments you have any action we may take against you to
true and complete (the proposal and g your driving licence or driving
agreed to pay the premium on the recover them.
declaration form the basis of this entitlements change (including your
due date, or dates, as set out in that
contract between us and you); and
agreement. If you do not make a Policy changes or any driver’s licence changing from
b you or any insured person meets 4. You must: provisional/ learner permint to full);
payment on time, we can cancel the
all the terms, conditions and a let us know the details of any new h you want to temporarily change
policy by sending you 10 days’ written
endorsements of this policy; and or replacement motor vehicle before your vehicle (this may be available,
notice to your last known address. The
c the vehicle is registered to you or you buy or change vehicles; subject to certain conditions); or
refund we pay you will be based on the
your spouse / common law partner b pay us any extra premium we may i there are changes to any other
cancellation rates below. If the amount
or is leased to you or your spouse ask for as a result of the new or material fact.
you have paid at the cancellation date
/ common law partner from a lease replacement vehicle; and
does not cover the premium, we have the This is not a full list and you should tell
company on a minimum twelve (12) c let us know if you sell or get rid
right to recover the money that you owe. us about any change if you are not sure
month contract. of the motor vehicle. All cover for
If you cancel your policy after the first whether it may affect your policy.
Cancellation 14 days, we will not refund any optional the vehicle will end and you must
When you tell us about a change, we
windscreen cover. return the certificate of insurance
2. You may cancel the policy at any time by may then reassess your premium and
and insurance disc to qualify for any
writing to us and returning the certificate We do not refund any amount which is your cover. A change to your policy,
refund of premium which we may
of insurance and insurance disc. less than €10. allow.
If you want to cancel your policy within All premium refunds will only be issued If you do not give us, and we do not
the first 14 days, we will refund your as long as: confirm full details of the vehicle, the
premium for any period of insurance a no claim or loss has arisen during insurance will not apply to the vehicle
remaining. the current period of insurance; and and we will not be responsible for any
accident, injury, loss, damage or liability
arising as a result of any accident caused
Period of cover no more than by or in connection with that vehicle.
1 2 3 4 5 6 7 8 9 over 9 5. You must tell us immediately if:
month months months months months months months months months months a you plan to make changes to the
80% 70% 60% 50% 45% 35% 25% 20% 10% Nil vehicle that improves its value,
performance or attractiveness to
Percentage refund of annual premium thieves;
6 Liberty Insurance Liberty Insurance 7
General conditions which apply to the whole policy General conditions which apply to the whole policy
whether temporary or permanent, may investigation sheet which you must f You, or any insured person must not Liberty Insurance
result in us charging an extra premium. fill in and return as soon as possible. do anything to harm our interests. Dublin Road
We will tell you about this when you tell b In the event of loss of or damage g If you make a claim, we may appoint Cavan, Co Cavan
us about the change. Certain changes to the vehicle as a result of theft, our own repairers to carry out any E-mail: feedback@libertyinsurance.ie
may not be acceptable. If you do not tell attempted theft or malicious repair work. c If you are not satisfied with our final
us about any relevant changes, we may: damage, you must immediately 8. If, at the time any claim arises under decision, or if we haven’t given you
i. reject or reduce your claim; or contact the Garda and send us a this policy, there is any other insurance a final decision within 40 business
ii. cancel the policy and treat it as copy of the Garda report. The report covering the same accident, injury, days, you have the right to refer
though it has never existed. must say that the loss or damage loss, damage or liability, we will only your complaint to the Insurance
6. If a change to your policy results in a was the result of theft, attempted pay our share of any loss, damage, Ombudsman at:
change to your premium, we will not theft or malicious damage. compensation, costs or expenses. Financial Services and
refund any amounts less than €10, and c You must also write and let us know Pensions Ombudsman
9. If, under the law of any country, we
we will not charge any extra amounts as soon as you become aware of Lincoln House,
have to make a payment which we
less than €10. We will only refund any any current or future prosecution or Lincoln Place,
would otherwise not have made
premium if we have received all the inquest in connection with any event Dublin 2,
under this policy, we may recover any
documents we need to carry out the for which there may be any liability D02 VH29
payment from you or from the person
alteration. under this policy. Tel: (01) 567 7000
who the claim was made against.
d You, or any insured person Email: info@fspo.ie
Claims must immediately send us any 10. If you are paying by instalments, you
Website: www.fspo.ie
7. a You must report any accident, injury, correspondence relating to any must pay the full yearly premium if a
claim is made during the current period Alternatively, any dispute between you
loss or damage involving the vehicle incident without signing or answering
of insurance. We have the right to take and us about our liability for a claim
or any other motor vehicle which it. You, or any other insured person
any premium owed from any claim we or the amount to be paid, where the
is insured under this policy to us must give us all the help we need.
may pay, which arises under this policy. amount of the claim is €5,000 or more,
immediately (or by the next working You must never accept responsibility
must be referred within 12 months of
day). We may send you an incident or offer or promise payment without Disputes between you and us the dispute arising, to an arbitrator
our written permission. We will be
11. We are committed to providing all appointed jointly by you and us. If
entitled to take over and carry out
claimants with a high standard of claims we cannot agree on an arbitrator, the
in your name (or in the name of any
service at all times. We appreciate that President of the Law Society of Ireland
other insured person) the defence
there may be times when you feel our will appoint an arbitrator. If you do not
or settlement of any claim. We may
service has let you down. As a valued refer such a dispute to arbitration within
prosecute, in your name or in the
customer/claimant, you have the right 12 calendar months of the dispute
name of any other person (at our
to complain. arising, the claim shall be deemed to
expense and for our benefit), to
a Please contact our staff first to see have been abandoned.
recover any amount we have paid.
We will be able to decide how any if we can resolve any concerns you Duty of care
proceedings or settlements are may have.
12. You or any insured person must:
handled. Phone: 1890 89 1890
a take all reasonable steps to prevent
e If you make a claim, we are entitled b If you are not happy with our
accidents, injuries, loss or damage;
to instruct, and give information response, you can send your
b protect the vehicle against loss or
about you and your policy, to other concerns in writing to our Customer
damage;
people such as suppliers, private Service Manager at:
investigators and loss adjustors.
8 Liberty Insurance Liberty Insurance 9General conditions which apply to the whole policy General conditions which apply to the whole policy
c give us access, at any reasonable no-claims bonus, date of birth, We will refund up to 70% of your against the remaining direct debit
time, to examine the vehicle; licence, and so on when applying premium for the period when insurance instalments, with any surplus amount
d not leave the vehicle unlocked while for, renewing or amending a policy; under sections 2 and 4 is suspended as being refunded by cheque.
unattended or leave the keys to b act fraudulently or exaggerate a long as: If you paid your premium in full, any
the ignition with the vehicle while claim; a no claim or loss has arisen during rebate due to you at the end of the
unattended; and c provide information to support a the current period of insurance; and suspension or laid up period will be
e make sure the vehicle is kept claim that is not true and complete; b cover is suspended for at least 28 refunded to you by cheque.
in a roadworthy condition and, d provide false or stolen documents; days in a row.
if necessary, has a valid NCT e deliberately fail to tell us of some or all We do not refund any premium which is Rights of Recovery
certificate. facts relating to a policy or claim; or less than €10. 18. If the law requires us to pay a claim
For example: f make a claim for loss or damage which would not otherwise have been
During any period where we have
• the tyre tread depth must be within caused by your or their deliberate covered by your policy, we reserve the
suspended the insurance, we will
the legal limits; act or with your knowledge or right to recover that amount from you or
still insure the vehicle against loss or
• all lights and mirrors installed on the involvement. the person on whose behalf we made
damage in line with the insurance cover
vehicle must be working properly; We may also attempt to obtain a the payment.
provided under section 1.
and prosecution against you or any person
• the vehicle’s brakes (front and back) acting for you or insured under this Suspending cover Currency
must be working correctly. policy. If you provide fraudulent or 17. We may suspend all cover provided 19. All money paid under this policy will be
Drink and drugs misleading information, misrepresent or by this policy as long as you have paid in euros.
exaggerate a claim or provide false or returned the certificate of insurance and
13 If an accident happens and:
stolen documents, we may also tell An insurance disc.
Language
a as a result you or any insured 20. Your policy and all communications
Garda Siochana, other law-enforcement We will refund your premium for
person is convicted of an offence between you and us will be in English.
agencies, other companies in the Liberty the period when the insurance is
involving alcohol or drugs;
Mutual Insurance Group, other insurers suspended as long as:
b you or any insured person is driving
and their agents, credit-reference a no claim or loss has arisen during
while unfit to do so due to alcohol or
agencies, fraud-prevention agencies, the current period of insurance; and
drugs; or
government agencies, regulatory b cover is suspended for at least 28
c you or any insured person is driving
authorities and other organisations days in a row.
after drinking alcohol and, three
concerned with fraud.
hours after the accident, the amount We do not refund any premium which is
of alcohol in the breath, blood or urine Choice of law less than €10.
is above the legal limit for driving; 15. You and we may choose which The ‘vehicle laid up’ and ‘suspension’
then the cover provided in section 1 of law applies to this contract. Unless options can only apply within the
the policy for loss of or damage to the we agree with you otherwise, this current period of insurance. At
insured vehicle will not apply. insurance is governed by Irish law. the renewal date, the policy will
automatically come into force again.
Fraud Vehicle laid up
If you pay by direct debit, we will
14. You and anyone else acting for you or 16. If the vehicle is laid up (off the road continue to collect these instalments
insured under this policy may lose all and out of use), we may suspend during the period the vehicle is laid
rights under the policy if you or they: the insurance under sections 2 and up or cover is suspended. At the end
a provide fraudulent or 4 of this policy as long as you have of the suspension or laid up period,
misrepresentative information for returned the certificate of insurance and any rebate due to you will be applied
example, an incorrect address, insurance disc.
10 Liberty Insurance Liberty Insurance 11General exceptions which apply to the whole policy Section 1 Loss of or damage to the insured vehicle
General exceptions which apply Section 1 Loss of or damage to
to the whole policy the insured vehicle
These general exceptions apply to all 6. We will not cover any loss, damage This section covers loss of or damage to Total loss claims
sections of this policy. or legal liability directly or indirectly the vehicle or its accessories and spare A total loss is where the vehicle is no
caused by: parts (whether on or in it, or in your private longer economical to repair, cannot be
We will not provide cover for any of the
a ionising radiation or contamination garage). We will choose whether to repair repaired or has been stolen and not found.
following.
by radioactivity from any irradiated or replace the vehicle or any part of it or its
1. Any accident, injury, loss, damage or If the vehicle is a total loss we will pay the
nuclear fuel or from any nuclear accessories or spare parts, or pay to cover
liability if the vehicle is being driven by market value of the vehicle immediately
waste from burning nuclear fuel; or the amount of the loss or damage.
or used for a purpose not described in before the loss or damage happened.
b the radioactive, poisonous, explosive If replacement parts or accessories are
the certificate of insurance. The market value of the vehicle will be
or other dangerous properties of any not available or are out of stock from the
2. We will not provide cover if the insured explosive nuclear equipment or any based on our engineer’s assessment with
manufacturer’s European representative or reference to industry guides. The most
person is entitled to claim or is covered part of it. agents, you will have to pay the extra cost we will pay will be the value of the vehicle
under any other policy.
7. We will not cover any loss or damage of transporting them from elsewhere and shown in the schedule.
3. We will not cover the driver unless; caused by war, riot, revolution, any act any extra cost above the manufacturer’s
a they hold a valid licence to drive the of terrorism or any similar event, unless European parts list price. New car replacement
vehicle; and we have to provide cover under the If your vehicle is three years old or more, If within 12 months of having bought the
b they meet the conditions and any Road Traffic Act. or if it has been imported, we may decide vehicle as new, it is damaged and the
limits of the driving licence.
to repair it with parts which have not been cost of repairs will be more than 60% of
4. Any liability an insured person has under made by your vehicle’s manufacturer, but the manufacturer’s list price, including
an agreement which they would not are of a similar standard. taxes, or it is stolen and not recovered,
have had if the agreement did not exist. we will replace it with a new vehicle of the
If the vehicle is under a hire-purchase
5. Loss, damage or liability: or leasing agreement, we may repair or same make and model. However, we will
a directly caused by pressure waves replace the vehicle or pay the legal owner not pay for a replacement vehicle if the
from aircraft and other flying objects for any loss or damage. We will then have replacement cost is more than the value
travelling at or above the speed of no further liability for the loss or damage. shown in the schedule.
sound; We will only do this if a replacement
b caused by an earthquake or Radio, audio and navigation vehicle is available in the Republic of
underground fire; equipment Ireland and if you or the legal owner agree.
c caused by pollution or contamination, For loss of or damage to radio-receiving or If a replacement vehicle is not available,
unless it is caused by a sudden, transmitting equipment, audio equipment, we will pay the market value of the vehicle
identifiable, unexpected and electronic navigation, radar detection immediately before the loss happened, as
accidental incident which happens equipment or taxi metre permanently fixed long as it is not more than the value in the
during the period of insurance; to the vehicle, the most we will pay is: schedule.
d resulting from using the vehicle at any a 5% of the value of the vehicle before
event during which the vehicle may the accident happened; or Accident recovery
be driven on a motor racing track, b €635; We will also pay the reasonable cost of
derestricted toll road (with no speed whichever is lower. protecting the vehicle and moving it to the
limit) or at any off-road event; or nearest repairer if, as a result of any loss
e caused by using the vehicle in or The policy does not cover the loss of
or damage to mobile phones and their or damage insured under this section, the
on any area where aircraft normally vehicle cannot be driven. We will pay the
land, take off, move or park. accessories or spare parts.
reasonable cost of delivering it to you after
12 Liberty Insurance Liberty Insurance 13Section 1 Loss of or damage to the insured vehicle Section 1 Loss of or damage to the insured vehicle
the repair. However, we will not pay more b anyone who is convicted for driving We will not pay for: courtesy car is lost or damaged, we will
than the reasonable cost of transporting it while under the influence of drink or a using the hire vehicle outside the decide how and where the courtesy car is
to your address, as shown in the schedule. drugs at the time of the accident. territorial limits; repaired or replaced.
b the cost of fuel; We will not pay for:
Loss of keys Medical expenses –
c collection and delivery charges; a a courtesy car if you do not agree
If the car keys or lock transmitter of the comprehensive cover only d any extra costs for using a car that is to have your vehicle repaired at our
vehicle are lost or stolen, we will pay the We will pay for medical expenses up to better than our standard hire car (our recommended repairer;
cost of replacing: €135 for each person injured if the vehicle standard hire car is usually a class-A b using a courtesy car outside the
a the door and boot locks; is involved in an accident as long as there vehicle); or territorial limits;
b the ignition and steering lock; and is no cover in force under another motor e any costs where the hire car is not c the cost of fuel;
c the lock transmitter; insurance policy. returned on time. d collection and delivery charges;
as long as we are satisfied that the person e any costs where the courtesy car is
Hotel expenses – Courtesy car –
who may have your keys or transmitter not returned on time after repairs have
knows where the vehicle is. The most we comprehensive cover only comprehensive cover only
been carried out to your vehicle;
will pay is €850. If the vehicle cannot be driven after an This benefit does not apply to vehicles used f any extra costs for using a car that is
accident or loss covered under section 1 for public or private hire (taxi or hackney). better than our standard courtesy car
Fire brigade charges
of this policy, we will pay up to €65 for the If your vehicle is repairable under this (our standard courtesy car is usually a
We will pay for local-authority charges (in
driver (or €135 for all the people in the section of your policy, and if one is class-A vehicle); or
line with the Fire Services Act 1981) for
vehicle) towards the cost of hotel expenses available, we may provide you with a g any costs where the courtesy car is
putting out a fire in your vehicle if the fire
for an overnight stop if this is necessary. courtesy car while your vehicle is being not returned on time after we ask you
gives rise to a valid claim under the policy,
repaired by one of our recommended to return it as we have decided your
or for removing the driver or passengers Hire car after theft - repairers. If your vehicle is not driveable vehicle is a total loss.
from your vehicle using cutting equipment. comprehensive cover only but is repairable, we will aim to provide you
The most we will pay is €2,200.
This benefit does not apply to vehicles with a courtesy car within three working
Personal accident – used for public or private hire (taxi or days of accepting that you have a valid
comprehensive cover only hackney). claim under this section of the policy.
We will pay you (the policyholder) or your If your vehicle has been stolen and is not Where repairs to the vehicle are delayed
legal representative €6,500 if you are recovered within 24 hours, we will provide a due to parts being required from an
accidentally injured while travelling in or replacement car for up to five days or until overseas distributor, we will provide
getting into or out of the vehicle and within your car is recovered whichever is sooner. courtesy car cover up to a maximum
three months this injury alone results in: cost of €320 only. It is your responsibility
It is your responsibility to make sure you
a death; to make sure you meet the car hire
meet the car hire conditions. These may
b permanent loss of sight in one or both conditions. These may include, but are
include, but are not limited to, having a
eyes; or not limited to, having a full driving licence
full driving licence without endorsements,
c loss of one or more limbs. without endorsements, paying a deposit
paying a deposit by credit-card and
by credit-card and returning the car to the
The most we will pay in any one period of returning the car to the pick-up point.
pick-up point.
insurance is €6,500. Once you tell us the registration number,
Once you tell us the registration number,
We will not pay this benefit for: the vehicle will be automatically insured
the courtesy car will be automatically
a any injury or death resulting from under this policy. If the hire car is lost or
insured under this policy, if it is supplied by
suicide or attempted suicide; or damaged, we will decide how and where
one of our recommended repairers. If the
the car is repaired or replaced.
14 Liberty Insurance Liberty Insurance 15Section 1 Loss of or damage to the insured vehicle Section 2 Liability to other people
Section 2 Liability to other people
Exceptions to section 1 10. loss or damage as a result of the Definition of ‘insured person’ Driving other cars
We will not cover: vehicle being filled with the wrong or For the purpose of insurance under this If your certificate of insurance says so, we
1. loss of value, wear and tear, contaminated fuel; section, an ‘insured person’ includes any will also cover you, the policyholder, for your
mechanical, electrical, electronic, 11. loss or damage by any driver who has one of the following. liability to other people while you are driving
computer or computer software failure been disqualified from driving or has 1. You, the policyholder. any other private motor car which you do
or breakdown; failed to give details of penalty points or not own or have not hired under a hire-
motoring convictions (if any); 2. Any person driving the vehicle who is purchase or lease agreement, as long as:
2. damage to tyres caused by using the entitled to do so under your current
brakes or by road punctures, cuts or 1. the other car is not owned by your
12. loss or damage due to any government, certificate of insurance (other than any
bursts; spouse / common law partner or
public or local authority legally taking, person in the motor trade driving the
employer or hired to them under a hire-
3. loss of use or other indirect loss such keeping or destroying your vehicle; vehicle for the purpose of repairing or
purchase or lease agreement;
as loss of earnings or travel costs; maintaining it).
13. the first amount, as shown in the
2. you currently hold a full European
4. damage to the vehicle or its schedule, of each claim (the excess); 3. The employer or business partner of any
Union (EU) licence;
accessories and spare parts caused by person whose business use is allowed
14. loss or damage to the vehicle if it does
the contents or goods carried in or on it; under the terms of the certificate of 3. the use of the other car is covered in
not hold a valid NCT at the time of the
insurance. This applies as long as the your certificate of insurance;
5. loss of or damage to personal loss;
vehicle does not belong to that person
belongings; 4. there is a current insurance policy in
15. loss or damage by any learner permit and is not hired or leased by or to them.
place in another person’s name that
6. loss or damage as a result of deception driver who is not accompanied by a full
4. Any person using (but not driving) the covers the other car;
or fraud; driving licence holder in accordance
vehicle with your permission for social,
with the Road Traffic Acts and any 5. you are not covered under any other
7. loss or damage arising from theft or domestic and pleasure purposes.
other regulations which apply to such policy to drive the other car;
attempted theft if the vehicle is left un- learner permit holders while driving; or 5. Any person travelling in or getting into
locked or if the ignition key is left in or 6. you have the owner’s permission to
or out of the vehicle.
near your vehicle while it is unattended; 16. a courtesy car where the only repairs drive the other car;
required are to damaged or broken 6. The personal representative of any of
8. loss or damage to the vehicle if it is glass in the windscreen or windows of 7. the other car is in a roadworthy
the people named above (following the
taken or driven without your permission the vehicle. condition and holds a valid NCT; and
person’s death) but only for the liability
by a member of your family or anyone of the person who has died. 8. you still have the insured vehicle
who normally lives with you, unless and it holds a valid NCT and is in a
they are prosecuted for taking the We will insure the insured person against
roadworthy condition.
vehicle without your permission legal liability for damages (including the
and you must assist fully with the related costs and expenses) for death or This extension applies while being driven
prosecuting authorities; bodily injury to any person and damage to within the territorial limits and only to
property arising as a result of an accident private passenger cars. It does not include:
9. any part of a repair or replacement by or in connection with the vehicle. • vans;
which improves your vehicle beyond • car-vans;
We will not pay more than €30,000,000 for
its condition before the loss or damage • crew cabs;
damage to property arising from any one
took place; • jeep-type vehicles with no seats in
claim or number of claims arising out of
one cause. the back;
• vans adapted to carry passengers; or
• any vehicles taxed commercially.
16 Liberty Insurance Liberty Insurance 17Section 2 Liability to other people Section 3 Windscreen cover
Section 3 Windscreen cover
Trailers If you need cover for a longer period or if This section only applies if it is shown
you want to travel to any other country, in the schedule.
We will extend the cover provided by this
you must: 24-hour windscreen
section to meet the requirements of the We will pay the cost of repairing or the cost
Road Traffic Act if you use any trailer which a ask us to provide cover before the date helpline:
(less the excess) of replacing damaged or
you own, have hired or have borrowed in you leave;
broken glass in the windscreen or windows
b tell us the date you will be leaving and
connection with the vehicle insured under
this policy. The terms, conditions and the date you will be returning;
of the vehicle, as long as there has not 1890 94 4410
been any other loss or damage.
c tell us which countries you are visiting;
exceptions of the policy still apply. Claims under this section will not affect
and
d pay any extra premium necessary. your no-claims bonus. 00 800 88 0 88 228
Legal costs (If calling from outside the
If you need your windscreen repaired or
We will pay for the following legal costs Emergency treatment Republic of Ireland)
replaced, you should call our approved
related to an event which is covered by
We will pay for emergency treatment fees windscreen specialists on the number
this section.
as set out in the Road Traffic Act, following shown below. We will only carry out a
a Fees for a solicitor we appoint to
an accident involving any vehicle for which repair if it is safe to do so. The decision on 4. damaged or broken glass in sunroofs,
represent you at a coroner’s inquest or
we provide cover. the safest option will be made by the glass glass roofs or panoramic sunroofs;
fatal accident enquiry.
technician.
b Fees for legal representatives that we Exceptions to section 2 5. damaged or broken glass to vehicles
ask to defend you against a charge of If there are any delays in obtaining
1. We will not cover loss of or damage to that are temporarily covered;
manslaughter or causing death by care- replacement glass from the distributor, our
property owned by or in the charge of approved windscreen specialists will carry
less or dangerous driving if we decide 6. damage caused by wear and tear or
the insured person. out a temporary repair or replacement to
there is a reasonable chance of success. negligence; or
2. We will not provide cover if the insured safely protect the vehicle while we await
Foreign use the replacement glass. 7. the cost of parts or the cost of importing
person is entitled to claim payment or
parts or accessories for your vehicle
Your policy provides the minimum cover has cover under any other policy. We will need to confirm all claims from outside the European Union.
you need by law to use the vehicle in: before any repair or replacement work For all non-European or imported
3. We will not cover damages to or loss of:
a any country which is a member of the is carried out. vehicles we will only pay the cost of
a any vehicle in connection with which
European Union; and parts available for a similar standard
we provide cover under this section; Exceptions to section 3
b any other country which has made European model readily available in the
b any trailer; or
arrangements to meet the minimum We will not pay for: Republic of Ireland market.
c any mechanically-propelled vehicle
insurance requirements of the 1. the excess shown in the schedule (the
which cannot be driven and is
Commission of the European Union. windscreen excess) – this excess will
attached to a vehicle covered by
We will automatically extend this to provide not apply if the glass is repaired and
this policy or any property carried
your full policy cover (as shown in the not replaced;
in or on that trailer or mechanically-
schedule) for these countries for up to 93 propelled vehicle. 2. any amount over €150 (less the
days in any one period of insurance. The excess) for replacement or €50 for
following cover does not apply while you 4. We will not cover death or injury to any
repair if the work is not carried out by
are using your car abroad. person which arises out of the course
our approved windscreen specialists;
• Driving other cars (Section 2 – Liability of their employment by any insured
to other people) person, except where it must be 3. any more than two claims under this
• Section 4 - Breakdown assistance covered under the Road Traffic Act. section during the period of insurance;
18 Liberty Insurance Liberty Insurance 19Section 4 Breakdown assistance Section 4 Breakdown assistance
Section 4 Breakdown assistance
Using this breakdown assistance will Completing the journey Theft of a vehicle in Ireland
not affect your no-claims bonus. Breakdown in the Republic of Ireland and If the vehicle has been stolen and not
Northern Ireland recovered by the end of the working day 24-hour breakdown
Definitions
If the repairs cannot be completed where the that the theft occurred, we will arrange and assistance helpline:
For the purpose of this section, the pay to transport any insured person on one
vehicle broke down and you are away from
following definitions apply as well as those direct journey to the policyholder’s address
on page 3.
home (at least 3 kilometres), we can arrange
and pay up to €150 for one of the following: or original destination within the territorial 1800 70 60 80
a You, your – any person driving limits.
1. Transport for you and your passengers
the vehicle who is driving with the
policyholder’s permission.
to your intended destination within the
Conditions to section 4 00353 91 560636
territorial limits; Northern Ireland &
b Passengers – all non-fare-paying We will not pay for any expense or help
passengers (not including hitch-hikers) in 2. use of a replacement vehicle for up to
that has not been authorised through
United Kingdom
the vehicle at the time you need help. 48 hours while repairs are being carried
our 24-hour helpline.
c Labour – the cost of the call-out and out; or
1. We will not be responsible to you if we
up to one hour’s labour charged by the 3. bed-and-breakfast-only accommodation
are not able to provide the services Exceptions to section 4
repairer we instruct, as long as the repair for one night only while repairs are
set out in this section caused by the We will not pay for any:
is carried out at the scene and not at the being carried out, up to €35 for each
following. 1. liability or loss arising from any act carried
repairer’s premises. A repair may only be person and €150 in total.
a The car-hire conditions for out in providing the assistance service;
carried out at the scene if the vehicle is in If the vehicle is repaired, we will provide replacement vehicles. These 2. expense you can claim from any other
a safe position to do the repair. the cost of public transport for you to may include, but are not limited source;
d Breakdown – mechanical breakdown, flat collect the vehicle. to, a full driving licence without
battery, fire, attempted theft, malicious 3. breakdown resulting from a deliberate
Breakdown in England, Scotland and endorsements, a credit-card deposit
damage, punctures that need help to fix act committed by you;
Wales (including the Isle of Man and and the car being returned to the
or replace a wheel, lost keys, stolen keys,
Channel Islands) pick-up point. 4. cost of repairing the vehicle other than
keys broken in the lock or locked in the
If the repairs cannot be completed where b Government control or restrictions. the labour;
vehicle.
the vehicle broke down, we can arrange c Any other act or failure to act of 5. cost of any parts, keys, lubricants, fluids
e Vehicle – the vehicle described in the
and pay for a replacement car for up to 48 any local, national or international or fuel needed for the vehicle;
schedule of this policy together with a
hours, up to £100 sterling. public authority (including the
towed caravan or trailer. Each must not 6. claim caused by fuels or other flammable
Government), or any supplier, agent
weigh more than the maximum legal If the car cannot be repaired before the material, explosives or poisonous
or other person.
laden weight of 3,500kg and be no bigger departure date, we will cover the cost of substances carried in the vehicle;
d Labour disputes or difficulties.
than 7 metres long, 3 metres high and towing the car to the port you are leaving 7. claim arising where the vehicle is carrying
e Any other cause beyond our
2.25 metres wide. from, up to £250 sterling. more passengers or towing a greater
reasonable control.
The help provided depends on the weight than which it was designed for, or
Benefits 2. You must be with the vehicle when the
options available to us at the time. from driving the car on unsuitable ground;
If you cannot drive the vehicle as a result of repairer arrives. If you are not with the
Depending on the incident, we will 8. damage to the vehicle if you are locked
a breakdown, we will arrange and pay for: vehicle and our repairer cannot help
decide what is the most suitable form of out of the vehicle and we have to use
1. one hour’s labour at the roadside or at you, you will have to pay for any further
help. If you do not accept this decision, force to get into it; or
your home; and help you get.
we will not pay more than the cost of 9. more than three call-outs during each
2. towing the vehicle to the nearest the help we recommended. 3. The vehicle must be maintained
in line with the manufacturer’s period of insurance.
garage which can carry out an effective
repair or to a garage of your choice, Message relay recommendations and kept in a
whichever is closer. We will pass on up to two urgent telephone roadworthy condition.
messages for you.
20 Liberty Insurance Liberty Insurance 21Customer care Summary Data Protection Notice
Customer care Summary Data
We are committed to providing all our
customers with a high standard of service
your complaint within 5 business days
of receiving it. In the unlikely event that
Protection Notice
at all times. We realise that things can go we have not resolved your complaint At Liberty Insurance, we take your privacy seriously and we aim to be clear about how
wrong and there may be times when you feel within 20 business days of receiving it, we use Personal Data* relating to you. This Summary Data Protection Notice applies to
our service has let you down. As a valued we will write and let you know why and the processing of personal data in the context of our activities in Ireland and gives you
customer, you have the right to complain. what further action we will take. important information about how and why we process Personal Data*. It includes the
1. Please contact our staff first to see if 5. If you are not satisfied with our decision requirements of the General Data Protection Regulation*. For more detailed information
we can resolve any concerns you may or if we haven’t given you a decision please see our Data Protection Notice which is available from your broker at request.
have. Phone 1890 89 1890. after 40 business days, you have the The Privacy Terminology Explained section of the Data Protection Notice helps to explain
2. If you are not happy with our response, right to refer your complaint to the any terms marked with a *, that may be unfamiliar to you.
you can send your concerns in writing Insurance Ombudsman at:
to our Customer Service Manager at: Financial Services and Pensions 1. Who we are and how to contact us
Liberty Insurance Ombudsman
Lincoln House, When we refer to Liberty Insurance in this Summary Data Protection Notice we mean,
Dublin Road
Lincoln Place, Liberty Seguros Compania de Seguros Y Reaseguros S.A., with its address at Paseo de
Cavan
Dublin 2, las Doce Estrellas 4, 28042 Madrid, Spain, registered as a branch in Ireland (as Liberty
Co Cavan.
D02 VH29. Insurance) with Irish branch number 904632 and branch address at Dublin Road, Cavan.
E-mail: feedback@libertyinsurance.ie Co. Cavan, Ireland.
Tel: (01) 567 7000
3. We will write to you to let you know we Email: info@fspo.ie You can contact us on 1890 944 412 if you have any questions about how your Personal
have received your complaint. Website: www.fspo.ie Data* is processed* by us.
4. Our staff will try to resolve your We value feedback and welcome it as an 2. Personal Data* we use and where we get this data from
complaint immediately. If this is not opportunity to improve our service.
possible, we promise to acknowledge As an insurance company we need to collect many categories of Personal Data* (about
Insurance Act 1936 you and other parties) for the purposes set out in this notice. The types of Personal Data*
All money which becomes due under this we collect and process about you:
policy will be paid in the Republic of Ireland
in line with section 93 of the Insurance Act a. Types of Details
1936. Personal Data
Individual details Name, address (including proof of address), other contact
Stamp Duties Consolidation
details, gender, marketing preferences, marital status,
Act 1999 occupation, date of birth, financial details, IP address*,
Stamp duty has been or will be paid to metadata*, vehicle registration number, and family details
the Revenue Commissioners in line with including their relationship to you.
section 5 of the Stamp Duties Consolidation
Identification Identification numbers issued by government bodies or
Act 1999.
details agencies, including your PPS Number, (or your National
Insurance Number if you are in Northern Ireland or Great
Britain) driver identity number, driving licence number, vehicle
identification number, passport number and tax identification
number.
22 Liberty Insurance Liberty Insurance 23Summary Data Protection Notice Summary Data Protection Notice
Risk details Information about you which we need to collect in order to - anti-fraud databases, court judgements and other databases;
assess the risk to be insured and provide a quote. This can - risk assessment service providers;
include data relating to your criminal convictions, your claims - geographical databases and insurance industry bodies and their databases
history, your vehicle details and history to include NCT/MOT including the Insurance Link database (you can obtain confirmation on what
status, taxation and import status, driving licence, history and information is held about you and your previous claims on Insurance Link by
experience, your health, or other Special Categories of Data* as visiting www.inslink.ie), Employers’ Liability Tracing Office (if you are in the United
explained in more detail below. For more detailed information Kingdom) and Cache (if you are in the United Kingdom);
please see Section 2 of our Data Protection Notice. - publicly available information including social media websites and online content,
Policy information Information about the quotes you receive and policies you tv, radio and other media content and court judgments;
take out. - third parties including the other party to a claim, witnesses, experts (including
Claims information Information about previous and current claims, (including medical experts), loss adjustors, repairers, loss assessors, investigators, medical
other unrelated insurances), which may include data relating and legal practitioners, an Garda Síochána, the police, and other law-enforcement
to your relevant criminal convictions, your health (e.g. agencies, claims management firms and solicitors;
injuries and relevant pre-existing conditions) or other Special - Government agencies, statutory bodies (and their databases including the
Categories of Data* mentioned above. National Vehicle and Drivers File (NVDF) and the IIDS (Integrated Information
Data Service) including the Motor Insurance Bureau of Ireland (we may also get
Credit and Credit history, credit score, sanctions and criminal information from the UK entity Motor Insurance Bureau) and the Personal Injuries
anti-fraud data convictions, and information received from various anti-fraud Assessment Board;
databases relating to you. - other insurers; and
- any other records which we may hold about you if you have or had any other
b. Special Categories of Personal Data* and Criminal Convictions Data contracts of insurance with or sought a quote from a Liberty Group company.
Special Categories of Data* and personal data relating to criminal convictions and When we provide you with a quote or renew your policy of motor insurance, we
offences are treated slightly differently to other Personal Data*, as there could be access the NVDF and IIDS controlled by the Department of Transport, Tourism and
a greater impact if there was unauthorised use of this data, and therefore greater Sport to validate driver numbers and number of penalty points per driver.
protection is needed. In the table below we show the Special Categories of Data* and For more information on what categories of Personal Data* we collect from what
Criminal Conviction Data we collect and use: sources, please see Section 2 of our Data Protection Notice.
Special Categories Information about your health
of Data* 3. Why we process your Personal Data* and what our legal basis for doing so is
Criminal Convic- Details relating to any unspent criminal convictions/ offences a. Legal basis for processing* your information.
tions Data and you and anybody else covered under your policy may have or
offences including have committed. We are required to tell you the lawful reason for processing* your data. These are
penalty points called the Legal Basis for Processing*. These are:
a. the use is necessary for the performance of your insurance policy or in order to
c. Where we may collect your Personal Data* from take steps at your request prior to entering the policy (such as providing a quote);
b. the use is necessary to comply with our legal obligations;
We may collect your Personal Data* from various sources, including:
c. you have consented to us using your information in such a way;
- you;
d. the use is necessary for the purpose of our legitimate interests of managing our
- your family members; business;
- a joint proposer* or anyone else insured under the policy; e. under Irish Data Protection law we are permitted to use health data in connection
- your insurance broker or intermediary; with your insurance policy.
- legal representative of a minor; We will not prejudice your rights when processing* your information for our
- your employer or representative which includes anyone who you have authorised legitimate interests, however you have a right to object to us processing* your
to act on your behalf such as a legal representative or a translator; Personal Data* on this basis if you wish.
24 Liberty Insurance Liberty Insurance 25Summary Data Protection Notice Summary Data Protection Notice
b. The purpose of processing* your information. The associated Legal Basis for 4. What if you choose not to provide this information to us?
Processing* (from section 3a) is in brackets beside each.
You are entitled to decide not to provide or to withdraw consent to allow us to process
- To assess insurance needs and the nature and level of risk associated with the the Personal Data* we need for the purposes listed above. However, you should
proposed insurance policy to determine eligibility and premium (we only use your note that without that Personal Data* we will be unable to provide you with quotes, a
policy information for this purpose) – (a) policy, manage polices on your behalf or process claims and therefore you will not be
- To verify identity (we only use your individual details for this purpose) – (a, b, d) able to benefit from the products or services we offer. If you have questions about the
- To verify the accuracy of the information we receive (we only use your identification consequences for you of withdrawing consent or not providing certain Personal Data*,
details for this purpose) – (a, b) please contact us.
- To administer and manage your policy – (a)
- To make or receive any payments, whether in relation to your policy, a claim or any 5. Who we disclose your Personal Data* to and why
other reason and to make decisions regarding deferred payment arrangements – (a, b)
- To provide customer loyalty programmes and value added services – (c, d) We disclose your Personal Data* to:
- To inform you of other products and services that may be of interest – (c) A. take instructions in relation to your Policy:
- To carry out market and customer research* – (d) - We will only take instructions to change a policy from you, your broker, your husband,
- For staff training, performance reviews, records and discipline – (d) wife or civil partner or your parent.
- To manage and investigate complaints – (a) - We will only take instruction to cancel or lapse a policy from you.
- To manage and investigate claims – (a, b) - In some cases we will deal with other people contacting us on your behalf as long as
- Statistical analyses within the EEA* – (d) we have your permission.
- For reporting purposes within Liberty Mutual group of companies* – (d) - If you would like us to deal only with you, please let us know. Please see Section 1
- For reinsurance* purposes – (d) above for our contact details.
- For compliance with all relevant laws and regulations – (b) - In exceptional circumstances we may need to deal with other people, for example, if
- In order to store Personal Data* – (a, b, d) you are incapacitated and if your next of kin contacts us in relation to your policy.
- In order to make back-ups of that data in case of emergencies and for disaster B. share information as part of the day to day administration of your policy:
recovery purposes – (d) We share your information with the following categories of recipients:
The reason (i.e. legal basis) we process your Personal Data* for a particular - Liberty Mutual group of companies;
purpose may be different depending on whether you are a Policyholder*, - Other insurers/intermediaries;
Named Driver* or Third Party*. For more detailed information about which legal - Government/Regulatory/Statutory Bodies;
basis we rely on for each type of data subject please see Section 3 of our Data - Law enforcement agencies;
Protection Notice.
- External Databases;
c. The purpose for processing* Special Categories of Data* and Criminal - Marketing companies;
Convictions Data. The associated Legal Bases for Processing* (from the panel - Public registers; and
above) is in brackets beside each. - Agents/Service Providers.
Special Categories of Data: For more information on the specific entities we share your information with, please see
- Health data is used for the purposes of providing quotes and underwriting, Section 5 of our Data Protection Notice.
processing any claims you may have, managing reinsurance* arrangements, fraud
investigation and handling any complaints you may have – (d, e) 6. Which countries we transfer some or all of your Personal Data* to
Criminal Convictions Data (including penalty points):
Currently, we transfer your Personal Data* as follows:
- For the purposes of assessing your insurance needs, and nature and level of risk
associated with your policy – (a) - Liberty Mutual Technology Group Inc.* (Liberty Mutual Hosting Services) in the USA
and Poland for securely storing the data;
- For the purposes of fraud detection and prevention, money laundering and other
offences – (b) - Liberty International Holdings, Inc.* in the USA for analysing the data;
For the purposes of processing claims – Under Irish Data Protection Law we are - Liberty Seguros Compania de Seguros Y Reaseguros S.A. in Spain for cross-border
permitted to process criminal convictions data in connection with, legal claims, data processing activities;
prospective legal claims, legal proceedings or prospective legal proceedings.
26 Liberty Insurance Liberty Insurance 27You can also read
