The benefits of getting older…in terms of car insurance

I agree with the saying ‘certain things get better with age’. It’s certainly true if you have an AXA car insurance policy, a full licence and are over 22 years old (*terms & conditions may apply). If so, you are probably lucky enough to have a ‘Driving of Other Cars’ cover extension on your policy.

AXA covers most of our customers (aged over 22 years with a full licence or 25 years old with a full or provisional licence) while driving other people’s cars. This means you can drive someone else’s car and automatically have Third Party cover on it (without being a named driver on the owner’s car insurance), as long as you have been given permission to drive the car.*

Here is an example of just how valuable the ‘Driving of Other Cars’ extension could be to you: You are heading away for the weekend with two friends. One of them offers to drive the three of you down the country. Unfortunately over the weekend this friend breaks his arm and isn’t able to drive you all back. But all is not lost – if you have the ‘Driving of Other Cars’ extension on your AXA car insurance policy you could help save the day, hop in your friend’s car and drive you all home – safe in the knowledge that you have Third Party cover.

This cover only applies if you don’t own the car or haven’t hired it under a hire-purchase agreement. The easiest way to check if you have this cover is to have a look at your certificate of insurance – the covers you have are shown in Section 5(b).

Of course, it’s important to understand some of the things the ‘Driving of Other Cars’ extension does not cover. It only applies to private passenger vehicles, and does not cover you to drive..:

• Vans
• Car-vans
• Jeep type vehicles with no seats in the back; or
• Vans adapted to carry passengers

When you’ve been with AXA for 3 years with comprehensive cover, we will upgrade your Third Party “Driving of Other Cars” cover to Comprehensive “Driving of Other Cars” cover at no extra cost. This means we will cover you to drive someone else’s car on a comprehensive basis, so if you accidentally damage the car, the damage is covered. Obviously certain terms & conditions will apply, so it’s important to look at your policy to see if you have this great benefit. Make sure to check your policy schedule and policy document to find out more. No other insurance company in Ireland offer this type of cover to customers.

(* subject to certain terms and conditions, e.g your occupation, the type of car….)

Brought to you by AXA Insurance Ireland