The excess is the amount of the claim that you will be responsible for. For example, if your policy has a €400 excess and you claimed for €1000 of damage, your insurers contribution would be €600.

Excesses will apply to accidental, fire, theft and malicious damage claims and also to windscreen claims.

You also have 2 types of excess on the policy, firstly a compulsory excess and secondly a voluntary excess. With a voluntary excess you can decide to pay more towards your own claim and as a result you will get a premium discount.

The excesses that apply to your policy are shown on your Schedule of Insurance.

If you use your car for work, this cover's the business.

If you use your car while you're working, rather than just driving it to work and back, you'll need business use cover.

We don't offer business use cover as standard, but it is something we provide *.

Business use cover can be taken out at the start of a policy, or added at any point by using your online account - MyBoxyMo. Once business use has been added, it will be shown on your insurance certificate.

Business use is restricted to driving for your business, or the business of your spouse/common law partner.

* Certain restrictions apply.

Adding business cover is likely to result in your premium rising. But, as there's no admin fee if you make the changes online, it's already saved you money.

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Taking your car abroad? You may already be covered.

Planning on driving your car in Europe? You may already be covered. Your car insurance policy provides the same level of cover you have in the Ireland while you are abroad in the European Union* for up to 45 days free of charge in any one period of insurance.

* Countries Covered

  • Andorra
  • Austria
  • Belgium
  • Bulgaria
  • Croatia
  • Cyprus
  • Czech Republic

  • Denmark
  • Estonia
  • Finland
  • France
  • Germany
  • Greece
  • Hungary

  • Iceland
  • Ireland
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg

  • Malta
  • Norway
  • The Netherlands (Holland)
  • Poland
  • Portugal
  • Romania
  • Slovakia

  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • UK

We do not cover any other countries.

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We do not cover motorbikes.

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A write-off is right out.

Written-off vehicles come in four different classes - Categories A, B, C and D. We do not insure any of them.

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If you are under 25 years of age your BoxyMo "Private Car Policy" does not cover you to drive other cars, other than a courtesy vehicle provided to you under the BoxyMo approved repairer scheme if your vehicle is damaged following an insured loss. If you are over 25 years of age you are covered to drive other cars if your Schedule of Insurance says so.

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If you require business use cover and your employer requires an Indemnity letter please contact us.

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Fully comprehensive

Car insurance comes in two basic types. The biggest difference between the two is that one protects you and your car in an accident, the other doesn't. But it's not quite that simple, so here's a quick overview of what's covered.

Comprehensive car insurance includes:

  • Repair or replacement of your car if it is damaged or stolen
  • Protection against injury to you or other people
  • Protection against damage to other peoples' cars and property
  • Windscreen repair or replacement
  • Cover if your car stereo is damaged or stolen

Third party fire and theft car insurance includes:

  • Protection against damage to other peoples' cars and property - but not your own
  • Protection against injury to other people
  • Repair or replacement of your car if it is stolen or damaged by fire

When choosing insurance include both covers as standard. Full details of cover is detailed in our policy wording.

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BoxyMo insurance is underwritten by AIG Europe Limited and is authorised and regulated by the Financial Conduct Authority of the United Kingdom, and is regulated by the Central Bank of Ireland for conduct of business rules.

AIG Europe Limited is a provider of innovative products and services to more than half of the country's top 100 companies as well as many public and private sector organisations and tens of thousands of individuals. They are part of AIG Inc., a world leading property-casualty and general insurance organisation with a 90-year history, serving more than 40 million clients in over 160 countries and jurisdictions.

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Are you covered by who we cover?

There are some people we don't insure.

We provide policies to Irish residents who are aged 17 – 26.

We can't cover anyone:

  • with non-motoring offences unspent under Rehabilitation of Offenders Act
  • who has had insurance declined, cancelled, voided, or special terms imposed
  • who works part or full-time in:
    • entertainment (except as a musician), gambling, modelling, and professional sports
    • foreign or diplomatic service
    • scrap, second-hand dealers and merchants, market and street traders
    • bailiffs, debt collectors, bodyguards or doormen/women
    • mobile mechanics, taxi or mini-cab drivers
    • couriers, dispatch drivers, mobile caterers, or fast food delivery drivers

We do not cover more than three drivers on any one policy.

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Windscreen cover, clearly a good deal.

There are some people we don't insure.

With windscreen cover, we will pay to repair or replace broken glass in your car's windscreen or windows.

Our comprehensive car insurance includes windscreen cover as standard.

Our Windscreen repairer can be contacted at 1850 200 552.

Our windscreen cover does not include any excess if the glass is repaired however there is an excess (as shown on the schedule of insurance) if the glass is replaced.

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BoxyMo comes with a standard €150 Compulsory excess for accidental damage, fire, theft and malicious damage claims.

This standard excess will be increased under the following circumstances

To view content below - scroll to right

Drivers Age
Extra Excess
Total Excess
17 Year Olds €250 €400
18 €200 €350
19 €150 €300
20 €100 €250
21 - 24 €50 €200

An additional excess of €150 will apply to Provisional Licence holders.

Windscreens will be subject to a €40 excess if replaced. Windscreen repairs will not be subjected to any excess.

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About BoxyMo is Ireland's first telematics dedicated insurer. This new concept is simple, we fit a telematics device, known as “BoxyMo” to your car. BoxyMo will then tell us how you drive and how far you drive. In addition to this “BoxyMo” will show you each month how to improve your driving and reduce your insurance costs. read more...

Our Address

  • Address: PO BOX 151 Letterkenny, Co Donegal

  • Opening Hours:

BoxyMo proudly supports Fighting Blindness

Fighting Blindness - Cure, Support, Empower

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MCL Insurance Services (Ireland) Limited trading as is regulated by the Central Bank of Ireland.

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