AXA NI Private Car Insurance
Insurance Product Information Document
Company: AXA Insurance dac Product: Private Car Insurance
AXA Insurance dac is regulated by the Central Bank of Ireland Ref. No C713
The information provided in this document is a summary of the key features and exclusions of the policy and does not form part of the
contract between us. Complete pre contract and contractual information about the product is provided in your policy documents and policy.
What is this type of insurance?
This is a private car insurance policy. It provides cover for injury, loss or damage to any third party or their property as required by the Road
TrafficOrder. The policy can be extended to include fire, theft or accidental damage.
The following optional cover is also available for an
What is insured? additional premium
Protected No Claims Discount – allowing up to two claims
✓✓ Your legal liability for accidental death of, or bodily injury in a three year period without reducing your no claims
to, any person is unlimited and third party property discount (you must be earning a maximum NCD to avail of
damage is covered up to £20million, including costs and this cover)
expenses
Replacement car plus – allowing use of a hire car for up to
✓✓ Stepback No Claims Discount – If a claim has been made 14 days
or has arisen, your no claims discount may be reduced at
Legal Expenses Cover – If you are the victim of a
the next renewal in accordance with the step-back scale
miscarriage of justice or an uninsured driver, legal
applicable at the time of the renewal.
expenses cover will enable you to pursue damages.
✓✓ Third Party Driving Other Cars – You must be aged 25-70
Car and Key Rescue – 24 hour roadside/driving assistance
with a full UK/Irish driving licence. Certain occupations and
in the UK and Ireland. And up to £1500 towards lock and
vehicle types are excluded
key replacement if lost, damaged, stolen or broken in a
✓✓ Third party cover whilst towing a caravan , trailer or broken lock in the car.
down car
Injury to Driver – death £30,000, loss of sight/limb £10,000,
In addition to the above, and if you have chosen fire & theft hospital benefit if you are in a hospital more than six days
or comprehensive insurance as a result of a road-traffic accident £130 per week up to
26 weeks
Loss or damage to your car and its accessories as a result of an
accident, theft, attempted theft, fire, lightning or explosion, up Driving of other cars –This provides glass, fire, theft and
to the cars markets value. It also includes: accidental damage for a borrowed car up to 2000cc and
up to £30,000 provided the car is not owned by you or your
Personal belongings up to £250 spouse/partner and is not a hire car. You must be driving
with the owner’s permission.
Replacement locks and alarms up to £500 (if keys are stolen
from your home by force or violence)
Towage and storage of your vehicle up to £350
What is not insured?
Audio equipment up to 5% or £650 of the value of your
vehicle (whichever is the lesser)
✖✖ Death or bodily injury to anyone driving or in charge of your car
Our uninsured driver promise – if your car is damaged or
written off by an uninsured driver, your no claims discount ✖✖ Loss of use
will not be affected. ✖✖ Wear and tear
New car replacement – if your car is less than 12 months old ✖✖ Loss or damage as a result of incorrectly fuelling your car or
and you are the first owner, in the event of a total loss we from the use of sub-standard or contaminated fuel, lubricant
will pay for a brand new replacement car. or parts
Medical expenses up to £200 ✖✖ Mechanical or electrical failure, breakdowns or breakages
Glass cover (unlimited if you use an AXA approved repairer, ✖✖ Loss or damage caused by theft or attempted theft if the car
£150 otherwise) was taken by a member of your family or household or taken
Personal Accident – if you or a family member living with by an employee or ex-employee of the owner of the car
you are killed or suffer accidental bodily injury in direct ✖✖ Loss or damage caused by theft or attempted theft if the keys
connection with your car we will pay a benefit of £5,000 for (or keyless entry system) are left unsecured or left in or on an
death, or total and irrecoverable loss of sight in an eye, or unattended car
loss by severance of an entire hand or foot. A max payment
for any person is £5,000. ✖✖ Any act of fraud or collusion
Satellite Navigational Equipment up to £250 caused by ✖✖ Any wilful, negligent act
accident, fire, theft or attempted theft ✖✖ Damage/Broken glass in sunroofs, damage to glass roofs,
damage or broken mirror glass
Are there any restrictions on cover?
!! No cover will apply for any driver who is not meeting the conditions of his/her licence/learner permit.
!! No cover will apply if you or any insured driver was driving under the influence of illegal drugs or in excess of the drink driving limit
!! You will need to pay an amount of each claim, known as the excess
!! When the car is used for purposes not shown on your certificate of insurance
!! Use by driver not covered under the policy/certificate
!! Use by anyone who is disqualified from driving or getting a licence
Where am I covered?
✓✓ You and your named drivers are covered to drive your car in Northern Ireland, Republic of Ireland, Great Britain, Isle of Man and the
Channel Islands
✓✓ Up to 90 days cover in Europe within one insurance year
What are my obligations?
• The information you give us must be honest and accurate
• You must pay your premium
• All claims or incidents must be reported to us immediately
• You must tell us of any convictions, prosecutions or penalty points applying to you or any driver
• You must tell us of any modifications made to your car
• You must take reasonable care of your vehicle and your belongings
• You must have an up to date MOT for your vehicle
• You must notify us as soon as possible of any change to the information you have previously provided to us
• You and all drivers must advise the Driver & Vehicle Licensing Agency of any notifiable medical condition or disability and the
Driver& Vehicle Licensing Agency must have agreed to the issue of a licence
• You must observe and fulfil the terms, conditions, exclusions and clauses of this policy – failure to do could affect your cover
When and how do I pay?
You can pay by cash, debit/credit card or monthly instalments.
When does the cover start and end?
The cover will start on the date your application or renewal is accepted and will end one year later. This will be shown on your schedule.
How do I cancel the contract?
You must give us a written instruction and return your certificate of insurance.
You may cancel your policy within 14 days of purchase, we will refund your entire premium provided there are no claims.
If you cancel during the period of insurance, we will refund the premium on a proportionate basis provided there are no claims.
There will be no refund of premium for car and key rescue or legal expenses cover.
AXA NI Private
Car Insurance
ADNI036 08/18 OMG21128
