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SUSPEND: If you are not using your car and van 100%, then you can suspend the majority of cover under your motor policy. Just ring us or email us and we will do the rest. You will have to post in the cert and disc to our office in order to activate the suspension.
There are three parts to a motor policy: Compulsory Third Party / Fire & Theft and Accidental Damage. You can suspend the Third Party and leave the Third Party / Fire & Theft and Accidental Damage in places, provided the vehicle is in a secure place. A credit will be returned to you, when you put the vehicle back on the road or at renewal, whichever comes first. The benefits of this is that your No Claims Bonus stays alive and your vehicle is covered for Third Party / Fire & Theft and Accidental Damage.
If you drive your vehicle, while suspended, for whatever reason, then you have no cover for Third party Injury or Damage caused and if you are only stopped by An Garda Siochana, then you are not covered and you will be prosecuted for driving with No Insurance. If and when you need to drive your vehicle again, you must contact us first, so we can put the Third Party [Road Traffic Legal part] back on cover.
You should not cancel your insurance and/or cancel your Direct Debit/Finance arrangement without speaking to us first, because, when you cancel your motor policy, you cancel ALL cover immediately and if you are stopped by Gardai, then you are not covered and you will be prosecuted for driving with No Insurance. Furthermore, when you decide to drive again, you will have to propose for insurance, based on your record and associated gaps in cover, which may prove difficult.
In these very difficult times, the last thing you want to happen, is to have an accident or fire, in your home.
However, Mother Nature works in mysterious ways and we are actually more prone to accidents right now, as we are all spending far more time in our homes daily. So please make sure you RENEW your home insurance. Fires happen so easily, both Electrical, Cooking and Fuel.
The worst offenders are: Smartphone and Computer Power Leads, Un-vented Tumble Dryers, Chip pans, Cigarettes and Open Fires. Add to this; Wiring over 10 years old, that has not been tested, by a qualified electrician, and we are all vulnerable.
WE ARE WAITING TO TAKE YOUR CALL, SHOULD YOU WISH TO RENEW OR TAKE OUT A NEW HOME POLICY WITH MIG.ie
FINANCE / DIRECT DEBITS
If you find yourself in difficulty with repaying your direct debit, then DO NOT JUST CANCEL YOUR BANK’s INSTRUCTIONS, rather contact your insurer or ourselves and we will put you in touch, who are willing to suspend/amend payments to suit your needs. By cancelling your Bank Instructions, you may find yourself with a bad credit rating and difficulty getting re-insured at a later date.
As we all try to get back to some type of business trading, you need to be aware of your obligations for providing a Safe Working Space, for your Employees and for your Customers. Make sure you have your Insurer notified of all changes to your property and operations.
Let nothing to chance! Talk to your McCarthy’s commercial executive, well in advance of re-opening and they will advise accordingly. If you cancelled your Business Direct Debit/Finance agreement/Policy, then everything will have to be set up again, from scratch!
LET NOTHING TO CHANCE. CONTACT OUR EXPERTS, FREE OF CHARGE ON 1800 50 11 11 AND WE WILL TRY AND FIND A SOLUTION!