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Low No Claims Bonus Car Insurance

If you have a Low or Zero No Claims Bonus, a car insurance policy from Irish Insurance Company, XS Direct might suit you.

This product does away with the no-claims bonus system; instead drivers get a cheaper quote in exchange, effectively, for less liability from the insurance company.

Whereas in the case of a claim to most insurance companies the insurer will pay out the whole of the value of a claim, XS Direct's product comes with an insurance excess which means that you pay for the first several thousand euro in damage in the event of a claim and they pick up the rest of the tab.

For male drivers that excess is €4,000 and for females the figure halves. So, in the event of a male driver making a claiming of €6,000, XS Direct will only be liable for a €2,000 payout. Hence the low premiums.