Comprehensive Premier / Premier Plus

A ‘Driving Other Cars Extension’ provides third party only* cover in the event of an emergency for you, the policyholder to drive another private car which you do not own or have not hired or leased. If you are eligible for this extension, it will be outlined on your certificate of motor insurance. The following terms and conditions apply:

1. The vehicle is not owned by your partner (including civil partners), spouse or employer nor hired to them under a hire-purchase or lease agreement;
2. You currently hold a full European Union (EU) licence;
3. The use of the vehicle is covered in the certificate of motor insurance;
4. Cover is not provided by any other insurance;
5. You have the owner’s permission to drive the vehicle;
6. The vehicle you wish to drive is currently insured by the owner;
7. You are not connected in any way with the Motor or Licence Trade;
8. The vehicle is in a roadworthy condition, holding a valid NCT certificate; and
9. You still have your vehicle which it is not damaged beyond cost-effective repair;
10. The vehicle driven must be of the same size and cylinder capacity as the insured vehicle or alternatively no higher than a 2000cc vehicle.

This extension applies while being driven within the territorial limits and only to private passenger vehicles. It does not include:

1. Vans
2. Car - Vans
3. Jeep - type vehicles with no seats in the back; or
4. Vans adapted to carry passengers

*Third Party Only - liability to a third party for death, injury or damage to their vehicle or property.

Telematics Policy Holders

Only in the event of an emergency and provided that the policy schedule and your certificate of motor insurance says so, we will also cover you, for your liability to other people while you are driving any other private motor car which you do not own or have not hired or leased. See Terms of Business for full details.

It is a well known fact that speeding is a major contributory factor to road accidents. Whilst going slightly over the speed limit from time to time will not affect your policy, persistent or excessive speeding will impact your driving score, and will also lead to your insurance premium rising at renewal.

Its4women rewards you for safer driving, dangerous speeds are treated seriously. Driving at/or over 160kph would probably result in an instant ban if you were caught by the Garda and we believe that, as this is a policy aimed at safe drivers, anyone driving at such an illegally high speed is not suitable for such a product. As a result we would write to you and provide you with ten days’ notice of cancellation before your policy is terminated.

When purchasing the telematics insurance policy you need to consider how many Kilometres you will drive per annum. We would recommend that you purchase the required number of “Policy Kms”.

When initially purchasing the insurance, you can pick a range of policy Kilometres as follows:

• 5,000 kms
• 8,000 kms
• 10,000 kms
• 12,000 kms
• 15,000 kms
• 20,000 kms
• 25,000 kms