Frequently Asked Questions
What is Professional Indemnity Cover?
As a professional instructor, you are exposed to the risk of legal action from a student or others to whom you have given advice and the consequent loss or damage arising. Our policy protects you from this potential legal liability arising from any negligent act, error or omission relating when providing professional instruction. Cover is up to €1.3 million. No one else gives as much cover in this area.
Is Business use included?
Yes, the business use incorporates:
• Travelling between Test Centres or Department Business
• Pursuit of Motorcycles and Tractors
• Obstacle Avoidance exercise during Motorcycle test
How much is charged for business use?
20% of the premium is for business use. Upon receipt of payment we issue a document (worded by the department) confirming how much was paid for business use.
What is the difference between Comprehensive and Third Party Fire & Theft Cover?
Third Party Fire & Theft Cover will cover the Theft/Fire damage cover to your own car and any damage to a third party. This can be damage to another car, passengers in another car, passengers in your own car, motorists, pedestrians, cyclists and third party property damage. Comprehensive cover is the cover as described above Plus Accidental Damage you do to your own car (caused by you or others), Vandalism and Malicious Damage.
What is an Excess?
An excess is the amount you contribute towards a claim. The excess amount is €200.
What is a No Claims Bonus?
Do I have a No Claims Bonus as a named driver?
If you have never had a policy in your own name, but have driving experience as a Named driver or on a company policy we should be able to give you an introductory no claims discount.
