Third Party, Fire & Theft Insurance

Q: What is Step-back No Claims Discount?

This optional extra allows you to Step-Back your No Claims Discount, which means that in the event of a single claim, you keep part of your discount. We will reduce your No Claims Discount as follows. AIG policies: 55% to 30%, 50% to 30%, 40% to 20% or 30% to 10%. Aviva policies: 50% to 20%, 40% to 10% or 30% or less to nil. FBD policies: 75% to 55%, 70% to 55%, 65% to 55% or 55% to nil, 35% to nil

Q: What is Protected No Claims Discount?

For an extra premium, this option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Discount. (We will not take account of windscreen damage or fire or theft claims.)

Q: What is Protected No Claims Discount with Step-Back?

For an extra premium, this option allows you to have up to two unlimited claims in a three year period, without losing your No Claims Discount. (We will not take account of windscreen damage or fire or theft claims.) For subsequent claims, Step-Back No Claims Discount applies.

Q: When will I receive my insurance certificate?

Once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance, your certificate of insurance will be issued.

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We're Human About Third Party Fire & Theft Cover

Make sure you're covered for the unexpected with our Third Party, Fire and Theft insurance. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.

How we Help

Wallet-Friendly Protection

We know that everyone wants great value car insurance, so we offer competitive prices and an online discount to help lower the cost of cover (1)

Stress-Free Cover

We offer great cover, with many benefits included as standard. We work with a number of insurers to help you find a policy that suits your needs.

Benefits and Bonuses

Our insurers provide care as well as cover. As well as offering Fire Brigade call-out cover, limits are dependant on the underwriter of your policy.

Real Customer Care

We're powered by people just like you, living in communities all over Ireland. Our experienced team is on hand to get you the help you need.

Please refer to our policy booklets for full cover details and terms and conditions that apply. Discounts, cover limits, and terms and conditions are dependent on your car insurance underwriter and those applicable to you will be outlined in your policy documents.

1) Acceptance criteria, T&Cs apply, subject to a minimum premium. Discounts are applied consecutively, new business only.

Features and Benefits

Our Third Party, Fire and Theft policy helps to protect you in case your car is burned or stolen, and if you're at fault in an accident, it covers damage to others and their property.

Windscreen Cover

Make sure you can see clearly with unlimited windscreen cover when you use our insurers' aligned repairer network (2).

Driving Other Cars

Third-party cover to drive other private cars that are not owned by you, for those occasions you may need to drive someone else’s car (3).

Discount for No Penalty Points

Some of our insurers offer a discount to drivers who have appropriate licences, with zero penalty points for driving offences in the Rep. of Ireland (4)

Customisable Cover

Insurance that works for you purchasing any of the additional upgrade options such as Keycare, which covers lost or stolen keys up to, just €12.60 (5).

2) Applies to third-party fire & theft and comprehensive AIG policies and FBD policies; applies to comprehensive Aviva and Allianz policies only. Can be added to Aviva & Allianz third-party fire & theft policies at an additional charge. It is not necessary to purchase this optional extra in order to purchase a policy.
3) Cover is provided for eligible occupation, age and licence types only. Geographical and vehicle restrictions apply.
4) Available on AIG and Aviva car insurance policies only.
5) These options are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy. Keycare is available at a charge of €12.60 (incl. government levy) per policy. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY.

Is Third Party, Fire and Theft Insurance Right for Me?

The answer to this question depends on a number of factors, such as the replacement value of your vehicle, the year / age of your vehicle, and what's affordable to you right now. The premium for Third Party, Fire and Theft Insurance is usually cheaper than Fully Comprehensive cover, but it also means you could be out of pocket for the cost of repairs to your own car. Learn more about our car insurance benefits here.

We value your feedback

I recently renewed my car insurance, and the process was seamless from start to finish. The team was professional, efficient, and took the time to explain my options clearly. What stood out most was their excellent customer service—friendly, knowledgeable, and always willing to assist with any questions. I truly appreciated the hassle-free experience and the speediness of the process. Highly recommend their services to anyone looking for a smooth and stress-free renewal process! Angela - 11th Feb - 2025

Good to Know

We've gathered together all the details you need to better understand your Third Party, Fire and Theft insurance options. Take a look at our FAQs and learn more about how we can help you get the cover you deserve, at the price you prefer.

What is Open Driving?

Open driving is an optional cover available from An Post Insurance. Open driving allows other drivers to drive your car, with your permission, as long as they are a certain age and hold a full EU/UK licence. Driver/vehicle eligibility criteria and restrictions may apply. Please see your specific Underwriter below for further details.

AIG & Aviva Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 70 years holding a full EU or UK driving licence - The driver cannot have any penalty points unless they are named on the policy.

FBD Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged from 25 to 71 years holding a full Irish, UK or EU driving licence. Up to 6 Penalty Points are allowed provided they are not court awarded.

Allianz Policies: Cover is provided for any person free from accidents, claims, disqualifications, endorsements and convictions, aged between 30 to 70, holding a full clean Irish, UK or EU driving licence & no more than 6 penalty points or 2 fixed charge notices.

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

What is Step-back No Claims Discount?

Step-back No Claims Discount is an optional extra, which allows you to keep part of your no claims discount in the event of a single claim.

Allianz policies, Stepback included as standard. For full breakdown of their NCD scales please see their policy booklet here.

For AIG, Aviva & FBD your No Claims Discount will reduce as follows:

AIG policies

55% to 30%,
50% to 30%,
40% to 20% or
30% to 10%

Aviva policies

50% to 20%,
40% to 10% or
30% or less to nil

FBD policies

75% to 55%,
70% to 55%,
65% to 55% or
55% to nil
35% to nil

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

What is Protected No Claims Discount?

For an additional premium, our protected No Claims Discount option allows you to have either one or two unlimited claims in a three year period, without losing your No Claims Discount depending on your policy underwriter. (We will not take account of windscreen, fire or theft claims.)

For each policy underwriter's No Claims Discount scale please see their policy booklet in our Document & Forms page.

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

What is Protected No Claims Discount with Step-Back?

For an additional premium, and depending on your Policy Underwriter, Protected No Claims Discount with Step-Back option allows you to have either one or two unlimited claims in a three-year period, without losing your No Claims Discount. (We will not take account of windscreen, fire or theft claims.)

For subsequent claims, the Step-Back No Claims Discount will then apply.

For each policy underwriter's No Claims Discount scale please see their policy booklet in our Document & Forms page.

It is not necessary to purchase this optional extra in order to purchase a Car Insurance policy.

When will I receive my Car Insurance certificate?

Your certificate of insurance will be issued once you have arranged payment terms and returned all of the necessary documentation to An Post Insurance.