Private Car
Kennco Underwriting has two Private Car products, KennCo Choice and KennCo Unique which address very different markets. Our flagship product, Choice provides quality cover at an affordable price for drivers aged from 21 years of age, typically with a full licence and a full No Claims Bonus. Unique is our Non Standard and young driver product. It targets young drivers over 19 years of age with no previous insurance. It also targets those drivers who may have been involved in an accident, have a motoring conviction like Drink Driving or No Insurance or have a high valued car.
KennCo Choice
Choice offers Private Car cover for drivers aged from 21 to 75 years of age, with full and provisional licences. Premiums are calculated on the highest rated driver and this is established by assessing each driver individually, based on age, experience and other factors.
We can cater for claims and convictions and will quote for the majority of vehicles up to and including 15 years old and valued up to €75,000 for Comprehensive cover. The limit for Third Party Fire & Theft cover is €15,000 and we do not offer Third Party Only..
Key features included as standard
- 24 Hour Breakdown Assistance including Home Start (01 499 8316).
- Legal expenses.
- Up to 6 years No Claims Discount.
- ‘Mirror’ No Claims Bonus available for insured only cases.
- Named driving experience will be given like for like no claims bonus discount.
- Step back no claims bonus as standard.
- Driving other cars available for 25 year olds and over with a full licence (excludes certain occupations).
- Up to and including 4 penalty points without loading.
- No loss of NCB for fire and theft claims.
- Foreign use for up to 31 days.
- Unlimited windscreen cover for Comprehensive policies provided our preferred replacement company, AllGlass are used.
- Standard excess €250 for 25 -75 year old with full licence.
- Personal Accident and Medical Expenses.
- Fire Brigade Expenses. We will pay up to €385 towards any charges levied by a fire authority in accordance with the provisions of the Fire Services Act 1981.
- Approved repairer network including courtesy car for up to five days.
- All claims are handled in-house by KennCo Underwriting.
Optional additional benefits available:
- Discounts for additional Voluntary excess.
- Protected no claims bonus available with 5 year or more no claims bonus.
KennCo Unique
Unique is our Non Standard and Young Driver product.
The Young Driver product is targeted at drivers aged between 19 and 29 years of age and this includes drivers with no previous insurance. The key requirements are that the proposer is claims and convictions free and drives a small or mid range car which is less than 14 years old. Introductory discounts are also available to proposers who have no claims or convictions and were named as an additional driver on a car or van policy.
Non Standard as you would expect does what the name suggests and provides cover to drivers with claims, convictions including Drink Driving, certain occupations and high value cars. The proposer must be resident in Ireland for the past 12 months, must not have a criminal conviction, two or more traffic convictions or three or more previous accidents.
Key features included as standard
- 24 Hour Breakdown Assistance including Home Start (01 499 8316).
- Legal expenses.
- Up to 6 years No Claims Discount.
- Named driving experience discounts allowed.
- Step back no claims bonus.
- Driving other cars available for 25 year olds and over with a full licence (excludes certain occupations).
- Up to and including 5 penalty points without loading.
- No loss of NCB for fire and theft claims.
- Foreign use for up to 31 days.
- Unlimited windscreen cover for Comprehensive policies with our KennCo approved repairer. A €25 excess applies to windscreen replacements. No excess applies to windscreen repairs.
- Standard excess €500 for 25 -70 year old with full licence.
- Personal Accident and Medical Expenses.
- Fire Brigade Expenses. We will pay up to €385 towards any charges levied by a fire authority in accordance with the provisions of the Fire Services Act 1981.
- Approved repairer network including courtesy car for up to five days.
- All claims are handled in-house by KennCo Underwriting.
For more information, Policy Wording, Underwriting Guide and Proposal please visit our Downloads section within our Broker Centre.