Car 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 Car Insurance

Cars can be complicated, but car insurance doesn't have to be. An Post Insurance is a 100% Irish-owned company, so we understand what matters most to you.

Our Cover Options

We're often asked about the differences between Comprehensive or Third Party, Fire and Theft insurance. Both offer protection and peace of mind, but you might prefer one or the other, depending on your situation. The cost of car insurance may also be a factor. We've outlined our great range of policy options below, so you can choose the cover that's right for you.

Comprehensive Cover

Choose Comprehensive Car Insurance so you can rest easy, knowing you're covered for damage to your own vehicle, as well as Third Party, Fire and Theft. This cover includes a range of added comforts, from breakdown assistance all the way to windscreen replacement and cover for personal belongings.

Third Party, Fire and Theft

With our Third Party, Fire and Theft Car Insurance cover you will have protection in case your car is burned or stolen, and if you are at fault in an accident, it covers damage to others and their property. With this cover, you can include optional extras for an additional premium.

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.

Up to 75%^ No Claims Discount

On your Car Insurance, if claims free for 5 years.

Of the four car insurance providers available to An Post Insurance customers, this discount is available on policies provided by FBD Insurance plc only. Subject to a minimum premium.

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Car Insurance Features and Benefits

You're unique, so your car insurance should be too. We've partnered with a range of providers so you can choose the policy and benefits that work best for you. You can even upgrade your policy with some of our optional extras such as Open Drive or Key Care Cover (1), for added peace of mind.

Learn more about our car insurance features and benefits in our Help Centre.

24 Hour Breakdown Assistance

Help is just a phone call away with our 24 Hour Breakdown Assistance service, available in Ireland and the UK (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).

Windscreen Cover

Make sure you can see clearly with unlimited windscreen cover when you use our insurers' aligned repairer network (4).

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 (5).

Personal Belongings

Cover for personal belongings stolen from your car to the value of €150 to €775 depending on your Insurer. (6).

European Cover

Cover for driving within the European Union for up to 31 to 60 days depending on your Insurer.

1) These options are subject to an additional charge; it is not necessary to purchase these upgrades in order to purchase the policy. Open Drive is subject to driver/vehicle eligibility criteria and restrictions may apply. Keycare is administered by Keycare Assistance Limited and underwritten by MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., trading as MAWDY. This cover is available as an optional extra at a charge of €12.60 (incl. government levy) per policy.
2) Breakdown Assistance is covered as standard for all policies underwritten by Aviva, AIG and FBD. For policies underwritten by Allianz, Breakdown Assistance is only included on Comprehensive cover. Refer to your Policy booklet for applicable terms and conditions relating to Breakdown Assistance Cover.
3) Cover is provided for eligible occupation, age and licence types only. Geographical and vehicle restrictions apply.
4) 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.
5) Available on AIG and Aviva car insurance policies only.
6) Available on policies underwritten by Allianz plc if the optional extra Protected No Claims Discount is purchased. It is not necessary to purchase this optional extra in order to purchase a policy.

Our Car Insurance

Cars can be complicated, but car insurance doesn't have to be. We've outlined our great range of policy options in this video, so you can choose the cover and the benefits that are right for you.

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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 (7).

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 a wide range of benefits including 24 hour Breakdown Assistance (2). They also offer a bonus if you are claims-free.

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.

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

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Moving to an EV or Hybrid Vehicle

Are you currently or are you thinking of becoming an electric or hybrid vehicle driver? An Post Insurance is here to support you. Compare your options and learn more about EV maintenance and charging.

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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

Top 5 Car Insurance FAQs

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

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.