Taxi Insurance FAQs

We encourage all our customers who hold UK licences to take all reasonable steps to get their licences exchanged as soon as possible. However, as things currently stand, failure to achieve this will have no negative impact on your existing Allianz insurance policy terms and conditions.

At this point, we do not envisage that your Allianz premium will be affected as a result of you holding a UK licence. However, we must make you aware that as of January 1st 2021,  it is no longer legal to drive with a UK licence in the Republic of Ireland.

Please contact us and advise us of this change. This change will not have a negative impact on your Allianz policy terms and conditions or your premium. 

As a resident in Ireland, your UK driving licence is no longer valid to drive here in Ireland. However, under the current agreement, it will remain valid for exchange only. More information on exchanging a driving licence can be found on the NDLS website.

There is a possibility that in the future that Ireland and the UK will enter into a bi-lateral arrangement on driving licences where Ireland recognise UK driving licences. Inevitably, this will take a little time to complete as it involves a formal agreement and legislation here in Ireland. 

As a visitor, you can continue to drive in Ireland for holidays with your existing driving licence. You are not be required to carry an International Driving Permit with you in order to drive here, just ensure to carry your UK driving licence with you.

An Irish driving licence will continue to be recognised in the UK. An Irish driving licence is an EU licence and the UK has indicated it will continue to recognise EU driving licenses.

An Irish driving licence is an EU driving licence and the UK has indicated it will continue to recognise EU driving licences.

https://www.gov.uk/government/publications/prepare-to-drive-in-the-eu-after-brexit

Every year you earn a No Claims Bonus you will receive a discount off your annual insurance premium. The more years No Claims Bonus earned will result in a higher discount off your premium, subject to our maximum.

A No Claims Bonus can only be used on one vehicle at a time.

If you make a claim on your policy your No Claims Bonus could be reduced to nil at your next renewal unless you avail of one of our No Claims Bonus protection options.

There are 2 levels of bonus protection available on an Allianz car insurance policy, Protected No Claims Bonus and Step-back No Claim Bonus Protection.

Read more on No Claims Bonus

Read more on No Claims Bonus if you move abroad

You can opt to include Protected No Claims Bonus with your Allianz car insurance policy. This benefit allows you to have one unlimited third party or accidental damage claim in any 3 year renewal period, without having an impact on the No Claims Bonus you have earned. This means if you have an accident and you claim on your policy it will not affect your No Claims Bonus.

However, if you make a second claim in the same three year renewal period, your No Claims Bonus will be stepped back by 3 years. In the event of a third or subsequent claim in the same consecutive three year renewal period your No Claims Bonus will be reduced to Nil.

Please refer to table below:

Any claim payment for windscreen breakage, fire damage or theft will be paid without an impact on Your No Claims Bonus earned.

Step-back No Claims Bonus Protection is partial protection of your No Claims Bonus. You can opt to include Step-back No Claims Bonus Protection on your policy.

If you have Step-back No Claims Bonus Protection and make one claim for own damage or accidental damage your No Claims Bonus will be reduced by 3 years.

Please refer to the table below:

You must hold a minimum of 4 years No Claim Bonus in your own name to avail of Step-back No Claim Bonus Protection.

Following the cancellation of your policy, your No Claims Bonus remains valid for 2 years.

You can only use your No Claims Bonus for one motor policy at any one time.

You will receive your cert & disc within five working days by post . Once your policy is activated we will send you a link to register for MyAllianz. On MyAllianz you will be able to view and download your policy documents. We may request some documents such as a copy of your Proof of No Claims Bonus and any other documents we need to verify your details. You must submit these documents within 30 days to ensure cover remains in place. You can submit documents online here.

• Yes, you can avail of a temporary substitution (usually if your car is in a garage getting repaired) or a permanent substitution (if you are changing your car permanently).
• You also have automatic cover on any car up to 2000cc loaned to you by a garage for up to 7 days while your car is being repaired.
• If you require cover on a car over 2,000cc, a car not loaned to you by a garage or for more than 7 days, please contact us. A charge may apply in this case.
• A permanent substitution may incur a €20 administration charge.

No, your policy only covers one permanent car at any one time.

There are 2 different types of cover you can choose from: Third Party, Fire and Theft OR Comprehensive. These covers vary in cost and in the level of cover provided; this gives you wider options to choose from.

1. Third Party Fire and Theft

With Third Party Fire and Theft you are covered for any costs incurred for damages in respect of injury to any person, and / or damage to property arising from the use of your car. You are also covered for any loss of or damage to your car and its accessories or spare parts caused by fire, lightning, explosion, theft or attempted theft.

The car is insured for the current market value or the sum insured whichever is the lesser at the time of loss or damage.

With third party fire and theft you are covered for any costs which you may face, for injury to any person and/or any damage to property which your car causes.

You are also covered for any loss or damage caused by fire, lightning, explosion, theft or attempted theft of your car, its accessories or spare parts.

2. Comprehensive

In addition to the cover provided by Third Party, Fire and Theft, with Comprehensive cover you are also covered for loss or damage to your car or damage caused by vandalism, and its accessories and spare parts while in or on the car.

Policy terms and conditions apply.

Read More on Types of Car Insurance Covers Here.

Yes, you are covered to drive in the following countries: Republic of Ireland, Northern Ireland, Great Britain, Isle of Man, and the Channel Islands. Your policy is also automatically extended to cover you to travel to or on the continent of Europe for up to 60 days in any period of insurance allowing you the same cover whilst you are driving your own car.

However, please note that our Breakdown Assistance (if you have this cover) is only available while driving in the Republic of Ireland, Northern Ireland and Great Britain.

Driving other cars covers you to drive someone else’s car, but the cover is restricted to third party cover only. The other car cannot be owned by you, hired out or leased to you, owned by your employer or owned by a motor trade business to which you are connected to. You are only covered while driving other cars in the Republic or Ireland and United Kingdom. Please refer to your Policy Schedule and Policy document for more details.

1. Personal Effects and Clothing

We will pay you (or the owner of the property) for loss or damage to personal effects (e.g. rugs, sporting equipment and clothing) which are in or on your car if they are damaged by fire, theft (or attempted theft) or by accidental means, provided that:

Our total liability will be limited to €200 in respect of any one incident.

Payment to any person other than you will be paid direct to that person who will observe, fulfil and be subject to the terms, conditions, exceptions and general exceptions of your policy in so far as they can apply.

At the time of loss or damage, you are not being paid for carrying passengers in your car.

2. Windscreen breakage

We will pay for breakage or repair of glass in the windscreen, windows and roof of your car including any scratching of the bodywork, as long as they are a direct result of that breakage. Any claims not processed through our Aligned Windscreen Repair network are limited to an amount of €200.

An excess will not apply to a claim payment for windscreen damage and it will not have an effect on your No Claim Bonus.

3. Personal Accident

If selected, Personal Accident covers the driver and occupants who suffer bodily injury by accidental means whilst driving.

If the injury results in any of the following conditions the amounts stated below will be paid to the injured party:

Our standard motor excess is €250. However, this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy document, or contact us directly if you wish to query this amount.

Yes, Third Party Liability cover to tow a trailer/horsebox is automatically included in your policy. Accidental damage cover for trailers can be added as an additional benefit if the cover on your policy is comprehensive.

An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.

Our standard motor excess is €250. However, this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy document, or contact us directly if you wish to query this amount.

If you wish to report a new claim, discuss an existing claim, avail of our claims emergency services or breakdown assistance you (if included in your policy) can call us on 01 613 3990 (24 hours a day, 365 days a year; call operator charges may vary). If you are calling outside of the Republic of Ireland please contact us on +353 1 613 3990 (24 hours a day, 365 days a year; call operator charges may vary).

You can also report new a claim via MyAllianz.

Our standard motor excess is €250. However, this may vary depending on the type of loss or type of policy. Please refer to your Policy Schedule, policy document, or contact us directly if you wish to query this amount.

In the event of an accident you should obtain the following information:

1. The names, contact details and car details of all parties involved.
2. The insurance details including the policy number of all parties involved.
3. Details of any witnesses to the incident or members of An Garda Siochana /Police that attended the scene of the accident.
4. Take a photo/ video of the scene and the vehicles before they have been moved, so you can send them to us later. If it is not safe, wait until the vehicles have been moved to a safe location, and then take a photo/ video of the damaged areas, the registration plates and the insurance discs. Please retain any dashcam footage to assist with our investigations, and take details of any witnesses to the incident.

Click here for the Motor Incident Report Form.

You must also:

1. Not admit responsibility, sign any statement or negotiate the settlement of any claim, without the written agreement of Allianz.
2. Complete any form(s) we may send You.
3. Give us all information and assistance required.
4. Notify us immediately of any impending prosecution, inquest or fatal inquiry, writ or summons.
5. Send us, as soon as possible, any writ or summons, letter or other documents You may receive.
6. The registration and insurance details of your car should be provided to any other party involved and also An Garda/Police, if requested.
7. If any person is injured, the accident must be reported to An Garda/Police, whether they attend the scene or not. If you do not do so, we reserve the right not to pay a claim. We are entitled, at any stage during any claim, to take over and conduct the defence or settlement of the claim, and, at our discretion, to pursue the claim for our own benefit in the name of any person insured.
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If your car is damaged and it is covered by your policy, we recommend that you take it to one of our Aligned Repairers, or that you arrange for its collection by one of them.

If you do not use an Aligned Repairer, you should arrange for an estimate of repair costs to be sent to us by your selected repairer. You can authorise repairs provided that the estimate does not exceed €650.

If you have a claim, it may increase the cost of your premium when your policy is due for renewal. Your No Claim Bonus may also be affected; this depends on the level of No Claim Bonus Protection you select.

Please see your dummy motor policy document for details.

• Yes, you must tell Allianz if you or any driver who may drive your car has received any penalty points in the last three years. You must also tell Allianz of any convictions and/or pending convictions that you or any driver who will drive your car has received within the last five years.
• Any convictions spent under the Criminal Justice (Spent Convictions and Certain Disclosures) Act 2016 do not need to be disclosed. Further information on spent convictions is available on www.citizensinformation.ie or you can check with your local Garda station if your conviction is considered spent under the Criminal Justice Act 2016.

You should inform the National Driver Licence Service (NDLS) of any conditions which may impair your ability to drive. You may be required to submit a medical report completed by registered medical practitioner. Please see www.ndls.ie for details or if you require more information.

You are not required to reveal any medical conditions to Allianz, if you choose not to.

If you have been issued with a valid driving licence on completion of a medical examination, your insurance cover will remain unaffected.

Please refer to www.ndls.ie for further details.

The Motor Insurers' Bureau of Ireland (MIBI) has created the MIICF reserve fund so that in event of a motor insurer going into liquidation, any outstanding claims can be funded.

Effective 1st December 2018 there is a requirement for all insurers to pay 2% of all motor premiums to the Motor Insurers Insolvency Compensation Fund (MIICF). From January 1st 2024, this requirement will reduce to 1%.