Policy Document from June 2017 – Full Details of Insurance Cover
Dash Apps Limited (trading as “Fleet” have chosen to partner with AXA Insurance dac. The insurer that the contract is with is AXA Insurance dac which is established in Ireland. Irish law will apply for the purpose of this contract. The contract of Insurance is between AXA Insurance and Dash Apps Limited trading as “Fleet”. Both the Owner and the Driver must meet and agree to the Terms and Conditions of this Policy in order for cover to apply. This cover has many benefits to give both the Owner and the Driver peace of mind. However, as with all insurance contracts, there will be circumstances where cover will not apply. These are shown in this document. Please read the policy carefully.
The cover provided by this policy applies only to death, injury, loss or damage happening in or
between Ireland and Northern Ireland. As long as the premium is paid we will cover death, injury, loss or damage that happens during the period of insurance as described in the following pages
for the sections that are applicable.
We, our, us – AXA Insurance dac.
Owner – The registered and legal owner/keeper of the vehicle who’s vehicle is being rented. The name that appears on the Vehicle Licensing Certificate.
Driver – The name of the person who is renting the vehicle for the period of insurance where payment has been received. The name that appears on the Rental Agreement.
You, Your – The Owner of the vehicle and/or the Driver at the time of the Rental period
Rental Period - shall mean the period during which the Vehicle is rented by a Driver
Period of Insurance - shall mean the period during which the Vehicle is rented by a Driver
the owner’s car – The vehicle registration number that is being rented, specified on the rental agreement
Deception – Where false information is used to make an unfair or unlawful gain.
Excess – The first part of any claim which the Driver has to pay to Fleet.
Market value – The amount the owner would have got for their car if the car was offered for sale.
Misrepresentation – Where a false statement of fact is made from one party to another
and has the effect of inducing that party into a contract.
AXA will only provide the insurance described in this policy if the information provided and declared is correct and complete and you or anyone claiming protection has kept to all its terms and conditions. If you do not keep to them, we may refuse to deal with your claim or reduce the amount of any claim we pay.
The owner must have a valid Live policy of Insurance during the period of the Car rental in their own name covering the vehicle rented to the Driver.
Handling claims against you
AXA may take over and deal with the defence or settlement of any claim in the name of
the insured driver and/or owner of the vehicle.
Changes to your policy
The owner must tell us immediately about any:
- changes to the Vehicle
- modifications or alterations to the owners vehicle including, but not limited to, air induction
kits and filters, lower suspension, change to the exhaust, engine maintenance
computers or adding of body parts whether these changes were present when the owner
purchased the car or not
The Driver must tell us immediately about any:
- change in the driver’s health that may affect their ability to drive;
- convictions, prosecutions, penalty points (or any pending) which apply to the Driver
We may charge an additional premium for these changes and we have the right to
consent or decline these changes. If you are not sure whether or not certain facts are important, please ask us.
The policy does not cover Loss or damage as a result of incorrectly fuelling the car by the Owner or Driver during the rental period.
In the event of a claim:-
The Driver is required to report any accidents, losses, claims or potential claims to AXA on 01 892 7890 as soon as is reasonably possible.
If there is an accident, the Driver must immediately do whatever they can to protect the car and its accessories. The driver or their legal representative must give us full details by phoning the claims helpline (01 892 7890)
within 48 hours, after any event which could lead to a claim under this policy. There may be circumstances where we need other details in writing. The Driver must also immediately send us any letters and documents you receive in connection with the event without replying to them.
If you know of any future prosecution, coroner’s inquest or other proceedings about any event, the driver must tell us immediately in writing.
The driver must not admit anything, or make any offer or promise about a claim, unless the Driver has our written permission.
The driver must also give us or our appointed representative any information and help we need
and provide any documents we require to investigate the claim.
Claims – General conditions
The Driver must obtain names and addresses of any witnesses at the scene of the accident.
The registration and insurance details of the Owners car should be provided to any other party
involved and also the Gardai if requested.
If any person is injured, the accident must be reported to the Gardai whether they attend
the scene or not.
If the driver is involved in an accident with a visiting motorist, report the accident to the Motor
Insurer’s Bureau of Ireland, 39 Molesworth Street, Dublin 2. Telephone: (01) 6769944
If the owner’s car is stolen, the Driver must tell us as soon as possible by phoning our claims helpline
on 01 892 7890. You must also tell the Gardai.
Looking after the Owner’s car
Both the Driver and Owner of the vehicle must do all they can to prevent injury to other people and protect the car and keep it in a roadworthy condition. If you do not do this, your right to claim under your policy may be affected. You must let us examine the car at any reasonable time if we ask to do this.
You should ensure that:
- the car is locked and security devices activated when the car is unattended.
- all windows and sunroofs are fully closed when the car is unattended.
- tyres on the car are within the legal requirements.
- you put personal belongings in the boot when the car is unattended.
If AXA think someone else is at fault for a claim that we pay, we may follow up that claim
in the name of anyone claiming cover under this policy to get back the payments that we
make. Anyone making a claim under this policy must give us any help and information
that we need.
Any disagreement that we have with you and that we cannot settle between us may be
referred to the Financial Services Ombudsman’s Bureau.
If the Financial Services Ombudsman’s Bureau will not deal with the disagreement, we
may agree to refer the dispute to arbitration or mediation. The arbitrator’s decision will
be final and binding.
If you wait more than a year to do this, you will be considered to have abandoned your
claim and you cannot take it up again.
Loss or damage to the Owner’s car
This part only applies for comprehensive cover, or third party fire and theft cover
and the damage is caused by fire or theft.
What is covered?
We will pay for:
„„loss of or damage to the owner’s car, and its accessories while in the owner’s car, up to the market
value of the owner’s car;
„„the reasonable cost of protecting and removing the owner’s car to the nearest competent
„„if the owner’s car is repaired in Ireland, the reasonable cost of delivering the owner’s car back to
This will involve:
„„repairing the owner’s car in an AXA garage or
„„replacing what is lost or damaged, if the cost of repairing it would be more than it
costs to replace; or
„„paying the cost of the loss or damage to you or the legal owner if we are told that your
car belongs to someone else.
A maximum limit of €200 will operate for all fees connected with towage and storage
of the owner’s car provided you notify us of any accident or loss within 48 hours. If the Driver notifies
us after 48 hours, we will determine the amount we deem reasonable to pay you for
If the owner’s car is stolen and is not found or, after it is found is not worth repairing, we will pay
you the market value of the owner’s car, including accessories and spare parts at the time they
are lost, stolen or damaged. If the owner’s car is stolen and you become aware that it has been
found you must tell us immediately even if your claim has already been settled.
We will also cover accessories and spare parts of the owner’s car, which are in your private
garage at the time of the loss or damage.
We may choose to repair the owner’s car with recycled parts, where appropriate.
We may use parts that have not been made by the car’s manufacturer, but they will be
of a similar standard. If any lost or damaged parts are no longer available, we will pay an
amount equal to the cost shown in the manufacturer’s latest price guide, together with
reasonable fitting costs.
the owner’s car must be repaired by one of AXA’s garages after an accident, fire or theft.
Fire Brigade Charges
We will pay charges from a local authority (in line with the Fire Services Act 1981) for
putting out a fire in the owner’s car if the fire gives rise to a valid claim under the policy, or for
removing the driver or passengers from the owner’s car using cutting equipment.
The most that we will pay for any one claim is €1,000
Salvage (if the owner’s car is written off)
We will settle your claim by replacing the owner’s car or by paying the market value (or purchase
price of the owner’s car whichever is the lower) of the owner’s car before it was damaged. As part of
settling your claim, the owner’s car will become our property and you must send us the vehicle
licensing document and keys.
We will be entitled to take possession of and dispose of your damaged car, at any time
during the course of a claim. If we know that the owner’s car is covered by a hire purchase or
contract-hire agreement, we will pay any claim to the owner described in the agreement.
What is not covered?
The Driver will have to pay the excess of €500 to Fleet for any claim covered under this section. The Driver will not have to pay an excess if the loss or damage is caused by fire, lightning,
explosion, theft or attempted theft.
You are also not covered for the following:
- Loss of use or any other resulting loss.
- Reduction in the owner’s car’s value because it has been repaired.
- Wear and tear.
- Mechanical or electrical failure, breakdowns or breakages.
- The cost of hiring another car.
- The cost of any repair or replacement which improves the owner’s car beyond the
condition it was in before the loss or damage took place.
- Damage to tyres from braking, punctures, cuts or bursts unless these are caused
in an accident.
- Loss, destruction or damage caused directly by pressure waves from aircraft and
other flying objects travelling at or above the speed of sound.
- Loss or damage caused by theft or attempted theft if the car was taken by a
member of your family or household or taken by an employee or ex-employee
of the owner of the car unless you can provide us with written confirmation of
notifying Gardai of the theft
- Loss or damage to the owner’s car’s navigation system or other computer or electronically
controlled equipment caused by it failing to recognise any date as the true
- Loss or damage caused by theft or attempted theft if the keys (or keyless entry
system) are left unsecured or left in or on an unattended car
- Loss or damage from using the owner’s car in a rally, competition, trial or on any race
track, circuit or other prepared course.
- Loss or damage as a result of incorrectly fuelling the owner’s car or from the use of
sub-standard or contaminated fuel, lubricant or parts
- The cost of importing parts or accessories for the owner’s car from outside the European
- The extra cost of parts or accessories above the price of similar parts and
accessories received from the manufacturer’s European representatives.
- We will not pay for more than 5% or €650 of the value of the owner’s car (whichever is
the lesser) unless the equipment was fitted by the Manufacturer or Authorised
Dealer as original equipment in accordance with their standard specification for
the vehicle. This includes radios, car phones, audio or similar equipment.
- The VAT (value added tax) on any repair or replacement if you are registered for
- Any taxes that you may be exempt from or entitled to claim back such as Vehicle
Registration Tax (VRT) or VAT.
- No cover for any car that has modifications.
- No cover for any driver that has been disqualified from driving, or has failed to
disclose penalty points or motoring convictions.
- Loss or damage to your vehicle where possession is obtained by fraud, trick or
- false pretences.
- Any loss or damage to the car which does not arise from an accidental, sudden
or unforeseen cause.
- Damage to the car, it’s accessories and spare parts caused by goods carried in
Broken Glass schedule as you may not have this cover.
If you wish to make a glass breakage claim, The Driver must telephone01-8927890. All claims must be verified prior to any repair/replacement work being undertaken.
We will pay the cost of repairing or replacing damaged or broken glass in the windscreen
or windows of the owner’s car and the bodywork being scratched as a result of the glass
breaking. The Driver will have to pay the excess of €100 to Fleet.
The Driver must use an AXA-approved repairer, cover is unlimited, subject to the exceptions below.
We will only pay you the market value of the car or the value of the broken glass, whichever is lower.
We will not pay for:
- Any amount over €250 for a replacement or €50 for a repair if the work is not
carried out by our approved windscreen repairers;
- Any more than one claim under this section during the period of rental;
- Damaged or broken glass in sunroofs;
- Damage to glass roofs;
- Damaged or broken mirror glass;
- Damaged or broken glass to vehicles that are temporarily covered;
- Damage caused by wear and tear or negligence;
- Damage caused by your own deliberate act;
- The extra cost of replacing non-standard glass; or The cost of importing glass or parts from the owner’s car for outside the EU.
Liability to others cover for the Driver
This section of the policy applies to damage or injury happening in ROI and NI unless
1a Cover for the Driver
We will pay all amounts you legally have to pay as a result of negligently using the owner’s car
and any trailer or caravan being towed by it, if you cause the accidental death of, or bodily
injury to, any person.
We will also pay up to €30 million if you legally have to pay damages, costs and expenses
as a result of negligently using the owner’s car and any trailer or caravan being towed by it if you
cause accidental damage to property belonging to other people.
2b Your legally-appointed representatives
After the death of anyone insured under this policy, we will protect that person’s estate
against any loss they would have had if we insured that liability under this policy.
important you and anyone insured to drive the owner’s car reads this.
What is not covered under this section of the policy.
- Anyone driving the owner’s car who is disqualified from driving or has never held a
driving licence, or is prevented by law from holding a licence.
- Anyone who is insured under another policy.
- Liability for loss of or damage to property which belongs to the Driver.
- Damage to any vehicle other than the vehicle specified in the rental agreement being driven or used by the Driver claiming cover under this part of the policy.
- The Driver who does not keep to the Terms and Conditions
- If the Driver is employed in the motor trade driving the owner’s car because it is being
overhauled, repaired or serviced.
- Death or bodily injury to anyone driving or in charge of the owner’s car.
24 Hour Car Breakdown Assistance
As part of the insurance policy, breakdown assistance is included. The cover will only apply to the Owner’s vehicle registration number as specified on the Rental Agreement.
For this section ‘you’ will mean the Driver who is driving the owner’s car as part of the rental agreement. Car rescue cover only applies within Ireland
Car Rescue was previously known as Motor Res
Breakdown assistance Benefits
- Roadside and Driveway assistance
We will send a trained recovery technician to help you. If repairs are possible, we will provide up to one hour’s labour to repair the owner’s car, as long as the repair is carried out at the scene.
- Towing cover
If the Fleet car rental vehicle cannot be made roadworthy at the place of the breakdown & cannot be repaired the same day at a suitable local garage, We will cover the cost of towing the car to the owners Home or the owner's nominated garage as long as the tow starts and ends on the island of Ireland (excluding any islands off the coast).
If the vehicle arrives at the repairers outside normal opening hours, we will cover the cost of towing it to a secure place and then on to the repairers when they open.
3) Passing on a message
We will pass on any relevant messages for you.
4) Completing the journey
If repairs to the owner’s car cannot be completed on the same day, we will reimburse costs up to €100 towards your preferred form of Continuation of Journey for you to return home or to your original intended destination within Ireland.
This is arranged on a Pay & Claim basis
- If the owner’s car is stolen – If you the Driver are away from home and the owner’s car is stolen, we will arrange one of the benefits listed above
We will only pay if:
- you have contacted us using the emergency number 01-8927890
- for attempted theft of the owner’s car, you have reported the theft to the Gardai
- you replace any faulty parts, including the battery, as soon as possible after discovering the fault
Our right of recovery:
If by law AXA have to make a payment that would not be covered under this policy, you as the driver will have to refund the amount to us.
Misrepresentation and Deception
Misrepresentation is when someone makes a false statement to another person to encourage that person to enter into a contract.
Deception is where false information is used to make an unfair or unlawful gain.
You must not act in a fraudulent way.
We will take the action shown below if you or anyone acting for you:
fails to reveal or hides a fact that is likely to influence whether or not we accept your proposal, your renewal, or any adjustment to the policy;
fails to reveal or hides a fact that is likely to influence the cover we provide;
makes a statement to us or anyone acting on our behalf, knowing the statement is not true;
sends us or anyone acting on our behalf a document, knowing the document is false;
makes a claim under the policy, knowing the claim is false or misleading; or
makes a claim for any loss or damage deliberately caused by you or a person covered to drive the owner’s car or with your knowledge
We may take one or more of these actions as well as our other rights:
We will not pay a claim.
We will not pay any other claim which has been or will be made under the policy.
We may declare the policy void (in other words, we can treat it as if it has never existed)
We will be entitled to recover from you the amount of any claim we have already paid or are obliged to pay by law or otherwise under the policy.
We will not return your premium.
We may let the appropriate law enforcement authorities know about the circumstances.
We may alter the cover or level of cover we provide.
If you commit a fraudulent act on any other policy, then we may:
Cancel that policy or declare it void from inception
Cancel that policy immediately and return any premium owed to you
Not pay any claims that have been or will be made under that policy
Be entitled to recover from you the total amount of any claim already paid under that policy including any recovery costs
Inform the Garda Siochana of the circumstances
1 This policy does not apply when the owner’s car:-
- is being used for purposes that are not shown in your Terms and Conditions
- is being driven by, or in the charge of any person who is not the Driver specified in the rental agreement
- is being driven by the Driver and the Driver has not got a licence, or if the driver has had a licence, are disqualified from driving or getting a licence;
- is being driven with the Driver’s permission by any person who the Driver knows has not got a driving licence or who the Driver knows to be disqualified from driving or getting a licence;
- if the Driver is towing a caravan, trailer, or other vehicle for a payment; or
is in or on any part of an aerodrome, airport or airfield provided for aircraft to
take off and land and for moving or parking aircraft on the ground, service roads,
ground equipment parking areas and those parts of passenger terminals coming
within the customs examination area.
2 If an accident happens and:
- a) as a result the Driver is convicted or has a prosecution pending of an offence involving alcohol or drugs;
- b) the Driver is driving while unfit to do so due to alcohol or drugs;
- c) the Driver is driving after drinking alcohol and, three hours after
the accident, the amount of alcohol in the breath, blood or urine is above the
legal limit for driving.
- i) the cover provided in section 1 of the policy for loss of or damage to the Owner’s
vehicle will not apply; and
- ii) the Driver must repay all the amounts we have paid to cover any claims arising from the accident;
3 This policy does not cover anyone who does not meet the policy terms and conditions.
4 This policy does not cover any liability which the Driver has as a result of an agreement or
contract, unless you would have had that liability anyway.
5 This policy does not provide cover for any loss of or damage to property, or any
consequential loss, or legal liability directly or indirectly caused by, contributed to,
by, or arising from:
- ionising radiation or contamination by radioactivity from irradiated nuclear fuel or
nuclear waste or from burning nuclear fuel; and
- the radioactive, toxic, explosive or other dangerous properties of any explosive
nuclear equipment or any part of it.
6 This policy does not cover liability, loss, damage, cost or expense directly or indirectly
caused by, resulting from or in connection with any of the following unless we have
to provide cover under road traffic law:
- a) War, riot, revolution or any similar event.
- b) Any government, public or local authority legally taking or destroying your
- c) Any act of terrorism including any action taken to control or prevent terrorism.
We define an act of terrorism as an act which may include using or threatening
force or violence by any person or group, whether acting alone or in connection
with any organisation or government committed for political, religious, ideological
or other purposes. This includes the intention to influence any government or to
put the public or any section of the public in fear.
7 This policy does not provide cover for any accident, injury, loss or damage caused by
8 Any liability, loss, damage, cost or expense directly or indirectly caused by, resulting
from or in connection with losing, altering or damaging or reducing the availability of:
a computer system, hardware programme, software, data-information store,
microchip, integrated circuit or similar device in computer equipment or no computer
equipment that results from deliberately or negligently transferring
(electronic or otherwise) a computer programme that contains any damaging code
including computer viruses, worms, logic bombs.
9 This policy document issued by AXA Insurance is valid from 1st of June 2017.