Allianz Blog Insurance Explained

Green Cards: Brexit’s Effect on Driving Across the Border

If a ‘no deal’ Brexit takes place then any person driving their Northern Ireland registered car in the Republic of Ireland will require a green card.

What Is A Green Card?

A Green Card is an internationally recognised insurance document which provides proof of the minimum compulsory motor insurance cover required by the country visited.  It is a hard copy document which is printed on green paper or with a green background.

brexit-blog

How Does it Work Right Now?

Currently all UK, including Northern Ireland, registered motor vehicles with a valid registration travelling within the EU are covered by the terms of the EU Motor Insurance ...

Read more

How Insurers Assess Risk

When we request an insurance quote we are asked a lot of questions. For a car insurance quote we are asked for information about:

  • ourselves – for example, our age, where we live, details of any medical conditions

  • our driving experience - driving licence type, details of any driving convictions and claims

  • our motor insurance history – no claim discount entitlement

  • the car we want to insure – its’ make and model, age and value, details of any modifications to the car

  • any other drivers we want covered

  • what cover we require – Comprehensive cover? For what purposes the car will be used

The information we provide to the insurer in...

Read more

Insurance - Handle With Care! (Disclosing Information)

Most of us give little thought to our insurance from week to week. We hope that we never need to use our insurance. If the day comes where we do then we expect our insurer to treat us fairly and to provide a good claims service.

For our insurance to work as we wish when we need it, it’s crucial that we arrange it on the correct basis. We’re going to look briefly at the policyholder’s duty to accurately disclose all relevant information – both from the start and ongoing.

Receiving a Quote

When we request a quote for our car or home insurance the insurer asks a lot of questions – about us and about the property (the car or...

Read more

Insurance - Handle With Care!

Most of us give little thought to our insurance from week to week. We hope that we never need to use our insurance. If the day comes where we do then we expect our insurer to treat us fairly and to provide a good claims service.

For our insurance to work as we wish when we need it, it’s crucial that we arrange it on the correct basis. We’re going to look briefly at the policyholder’s responsibility to ensure that sums insured are adequate.

The Claims Process

Doomsday scenario: Your house burns to the ground and all of your household possessions are destroyed. You make a claim to your home insurer.

You expect your insurer ...

Read more

Handy Guide to Reading Your Insurance Policy

Here’s a choice for you – would you rather go to the dentist or read your insurance policy?

Reading your policy, or at least having some understanding of it, doesn’t need to be daunting. Here’s a quick guide to understanding the structure and content of it.

Your Policy Has More Than One Document

The policy wording: When you open your policy booklet you will find that there are sections which detail the covers that apply and circumstances in which cover will not apply (referred to as exclusions or exceptions).The schedule: This details the risk information specific to you. For example, your name and address, car details, ...

Read more

You Right to Appoint a Public Loss Assessor

If you don’t know what a loss adjuster is then count yourself fortunate. Loss adjusters are insurance professionals who, in the event of an insurance claim, assess the loss and the amount of compensation that should be paid.

Let’s look at home insurance. It is common for insurers to appoint loss adjusters to assess claims for loss or damage resulting from (for example) fire, storm, water damage, theft. Although the loss adjuster is appointed by the insurer and has his/her fee paid for by the insurer, it is their duty to assess the loss and advise on claim settlement in an even handed manner, i.e. claim settlement shoul...

Read more

Contact us

Call centre opening hours:
Mo-Fr: 8am-6pm | Sa: 9am-1pm