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Customer Service

Frequently Asked Questions

Select a topic below for more information regarding our insurance policies. If you cannot find the answer to your question here please Submit a Query.

  • Buying a Policy
    • 1. Can I buy No Nonsense Car Insurance online?
      Yes, you can purchase your car insurance directly through this website. Start by completing the Instant Quote form on the left-hand site of the page and follow the steps.
    • 2. Can I get immediate cover?
      Yes. Subject to your payment and application being successfully processed, cover can be arranged immediately or alternatively from a date and time you choose in the future.

      Continuance of cover is subject to you returning to us the Proposal Form signed and dated and submitting to us proof of No Claims Discount within 30 days of arranging your Policy.
    • 3. What documentation do I need to take out No Nonsense Car Insurance?
      Usually to complete the transaction we require just:
      - Return of Proposal Form signed and dated.
      - Proof of No Claims Discount entitlement.
    • 4. Do I need to answer all questions on the application?
      It is important to answer questions truthfully and accurately. If you make a false declaration on your application or do not disclose information which could affect your policy this could make your insurance invalid and further you could leave yourself liable to be prosecuted for a Criminal offence under the Criminal Justice (Theft and Fraud Offences) Acts.
    • 5. What is proof of no claims discount?
      The document you are required to submit as your proof of no claims discount is The No Claims Discount Certificate that would be attached to your renewal notice from your previous insurer or a letter of cancellation stating your no claims discount entitlement. We accept only original proofs of No Claims Discounts entitlement from Irish or UK Insurers. We can not return your proof of No Claims Discount once it has been used for your No Nonsense policy.
    • 6. I need to enter details of claims and/or convictions – can I still get a quote online?
      Yes, we will be taking your driving history into account so we will ask you to enter details of any claims or convictions that you may have. There may be occasions when we need to discuss these with you prior to giving you a quotation.
    • 7. When will I receive my insurance Certificate and Disc?
      You will receive the Insurance Certificate, Disc and Policy Schedule from us by post within 5 working days. This is on condition that we have received your signed Proposal Form and Proof of No Claims Discount.
    • 8. How do I retrieve a saved car quote?
      If you previously obtained a quote online, you can retrieve your quote using the retrieve quote function in the top right of our homepage. The Quote Reference usually appears in the top right of every screen in the quotation process.
  • Amending a Policy
    • 1. What types of changes do I need to tell you about?
      You must tell us of changes to all material facts, relating to your car, to you and to anyone driving your car or covered on this policy. If you are in any doubt about a change to your details please let us know.
    • 2. What should I do if I need to make a change to my insurance?
      Contact us on our Customer Service Team at 1890 252 739 and we will make the necessary changes and send you updated documentation.
    • 3. How do I add a driver to my car insurance policy?
      We don’t currently offer the facility to change or view policies online. Please call us to check and change your details.
    • 4. If I am buying a new car, how do I transfer my existing policy over to the new vehicle?
      If you are buying a new car and want to transfer your existing policy over, contact our Customer Service Team at 1890 252 739 and amend your policy. There may be a variation in price and a change in the underwriting criteria for the new car, but this will be discussed with you.
    • 5. Do I get a refund if I cancel my Policy before renewal date?
      If you have paid an annual premium and the policy is cancelled prior to the renewal date, a partial refund would be made (provided no claims have been made during the period of cover).
    • 6. What should I do if my insurance Policy is no longer suitable to my needs?
      If your Policy does not meet your needs or if you are dissatisfied with the cover provided, please call our Customer Service Team at 1890 252 739 to discuss your options.
      Your Cancellation rights are provided on Page 1 of your Non Nonsense Car Insurance Policy booklet. `
  • My Policy - Cover & Benefits
    • 1. Who can drive my car?
      Cover is restricted to persons named on the certificate including the policyholder.
    • 2. How can I use my car?
      The policy covers social, domestic and pleasure use, including travelling to and from your place of work.
    • 3. What type of cover is available under No Nonsense Car Insurance?
      There are 3 levels of cover available:

      Third Party Only
      This is the minimum level of cover required on all motor vehicles used on public roads. Third Party Cover will provide legal protection for the Insured Vehicle Driver should a claim be brought against him for personal injury or damage to property arising from a car accident.

      Third Party Fire & Theft
      This cover combines Third Party cover (as mentioned above) along with the extra covers of Theft and Fire

      Comprehensive
      This is the highest form of protection offering Third Party cover along with Fire, Theft and Accidental Damage.
    • 4. What is a Policy Excess?
      The Policy Excess is the amount you pay when making a claim or when a claim is made against you. If you increase the amount of the excess you can reduce your premium. There is no excess payable under any of the Optional Additional Covers that you may select.
    • 5. What are the Optional Additional Covers on this Policy?
      The Optional Additional Covers available to you will depend on your driving experience and underlying Policy Cover selected. When comprehensive cover is selected the following options are available:
      • Windscreen Cover
      • Driving of other Cars extension.
      • No Claims Bonus Protection
      • Personal accident and Medical Expenses
      • Personal Property
      • Car Hire benefits
      • Roadside and Doorstep Car Breakdown Assistance
    • 6. Will you insure my car if it has modifications?
      Modifications that improve your car’s value, performance, handling or attractiveness must be declared at point of quotation for rating and acceptability purposes.
      Please note - if you make a claim for loss or damage to your car, we will only pay the cost of replacing the parts needed for the car to meet the manufacturer's standard specification. The modifications themselves are not insured.
    • 7. Will you insure my car if it has modifications?
      Modifications that improve your car’s value, performance, handling or attractiveness need to be declared at point of quotation.
  • Claims
    • 1. How do I make a claim?
      If you are unfortunate enough to be involved in an accident or have your car stolen, vandalised or damaged in any way, you can call our Claims Team on 1890 25 27 39 to report it. We will provide you with the support you need, details of the repairer nearest you and all the steps involved.
    • 2. How do I keep track of my car claim
      Our Claims Team will provide you with your claim reference number, the name of our agent dealing with your claim along with the necessary contact details.
    • 3. What is a Policy Excess?
      Policy excess is the amount you pay towards repair after an accidental damage or theft claim. If you increase the amount of the excess you can reduce your premium
    • 4. How do I get about whilst my car is being repaired?
      If you have opted for the “Car Hire Cover”, a courtesy car is provided by our approved repairers and is available for duration of repairs subject to the total cover applicable under the policy.
  • Payments
    • 1. How can I pay for my policy?
      We can accept payment from credit (Visa, Mastercard) or debit (Laser) cards in one lump sum. If you would like to pay for the premium by Direct Debit you can pay over 7 monthly instalments, however an initial deposit payable by credit or debit card is required. If paying by card, the card number refers to the long number shown across the middle of your card (this is between 16 and 21 digits)
    • 2. Is it safe to pay for my policy on the Internet?
      Yes, our site uses 128-bit encryption that disguises and protects your personal and payment details and prevents them from being accessed by or disclosed to third parties. You will know that you are submitting your payment details via an encrypted page when you see an image of a lock in the grey bar at the bottom of your browser and the website address starts with https:// (rather than http://).
    • 3. Can I sign up for Direct Debit online?
      Yes it is now possible for you to sign up for a Direct Debit using methods other than a paper mandate form, for example by using the Internet or telephone without any requirement for a signature. We facilitate this new service. Where two signatures are currently required to authorise direct debits from your bank account, we will need to send you out a paper mandate to be signed by both parties.

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