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Do I need to contact the Gardai after an accident involving my vehicle?
If you have been involved in an accident you should report the accident to the Gardai.
What happens if my vehicle is stolen?
You must notify the Gardai immediately then call your broker or our Accident Helpline on 1850 212 212 who will give you all the necessary support and information you need.
Who repairs my vehicle?
You can choose to have it repaired yourself, or use our Approved Repairer service. If you use our Approved Repairers, one of our garages in our nationwide panel of garages will repair your vehicle. These garages have been appointed to provide the highest customer service and quality of repairs for our customers. All repairs carried out are guaranteed for 3 years. See “Claims Centre” for further details.
What happens if I want to use my own repairer?
No problem, however you will not be entitled to the benefits of our Approved Repairer service.
What is a total loss/write off?
If the cost of repairs exceed the market value of the vehicle then it is likely we will consider it to be beyond economic repair. This is often referred to as a total loss.
If my vehicle is a total loss, what will I receive in settlement?
The current market value of your vehicle. We will also look after the disposal of your vehicle.
How long will it take to sort out my claim?
Our aim is to deal with your claim in the shortest time possible.
What is a policy excess?
The policy excess is the amount we ask you to contribute towards the cost of a claim for accidental damage under your comprehensive policy. The standard excess on all Setanta Insurance car and van insurance policies is €250 but may be higher in certain cases.
What happens if the accident was not my fault?
You can pursue the other driver's insurer, or we can handle your comprehensive claim and pursue the recovery on your behalf to ensure your no claims bonus is not affected.
What happens if the accident was my fault?
We will handle your comprehensive claim and the other driver's claim as quickly and efficiently as possible. If you receive any correspondence from the other driver or their insurers, please forward it to us and we will respond to it on your behalf.
What if the other driver disputes the accident circumstances?
We will discuss in detail the circumstances of the accident with you or your broker and will investigate the accident fully. Disputes will be resolved by negotiation where possible. If we can't resolve a dispute, it is possible that we will need to revert to a dispute resolution procedure or court of law.
