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Outsurance Motor Insurance is the sole class of insurance business mandated by law in Ireland. Motor Insurance encompasses various rating factors, including details about the vehicle (make, model, year, value), driver information (age, occupation, license type), location of use, vehicle storage, modifications, and more. There are distinct levels of insurance, ranging from Road Traffic Act Cover, which is the minimum legal requirement, to Third Party Only Cover, Third Party Fire and Theft, and Comprehensive Cover. Road Traffic Act (RTA) Cover, the minimum legal requirement, extends indemnity for bodily injury or death to third parties, loss or damage to third-party property, third-party claimants' costs, and emergency treatment for third-party injuries. It also covers liability arising from trailers attached to the insured vehicle. Third Party Fire and Theft (TPFT) Cover includes provisions for third-party emergency treatment, loading/unloading liability, higher property damage limits, legal representation, and coverage for damage or loss to the insured vehicle by fire or theft. In cases of declined insurance, a client can seek three additional quotes to ensure they obtain the minimum cover required by the Road Traffic Act. Outsurance covers private motors under €250,000 and light commercial vehicles but excludes vehicles over €250,000, those weighing more than 3.5 tons, motorbikes, public service vehicles, taxis, and fleet vehicles. General exclusions include wear and tear, no cover for disqualified drivers, mechanical or software failures, and specific circumstances leading to loss or damage. Liability in insurance involves legal responsibility, and categories like bodily injury provide protection for medical expenses, rehabilitation costs, and compensation for pain and suffering. Third Party Property Damage covers damage to someone else's property, excluding damage to the insured party's property. The Personal Injury Assessment Board (PIAB) in Ireland assesses personal injury compensation, while the Motor Insurance Bureau of Ireland (MIBI) compensates victims involved in accidents with uninsured or unidentified vehicles. Differences between Third Party Fire and Theft (TPFT) and Comprehensive Cover include varying damage benefits, liability to others, and additional benefits like towing, fire brigade charges, replacement locks, and more in Comprehensive Cover. Comprehensive-only benefits cover accidental damage, glass damage, and additional benefits such as coverage for personal items, new-for-old car replacement, medical expenses, and temporary substitutions. Comprehensive policies cover accidental damage caused by unforeseen events, and benefits like glass coverage extend to repair or replacement costs. Personal items damaged or lost due to accident, fire, or theft are covered, with specific exclusions. A unique benefit is the new-for-old car replacement, applicable if the insured car is a total loss within 12 months of purchase. Medical expenses coverage extends to accidental bodily injuries suffered by those traveling in the insured car. Temporary substitutions allow coverage to be automatically transferred to any private car loaned to the insured for up to seven days, subject to certain conditions. Optional extras for Comprehensive policies include breakdown assistance, personal accident coverage, open driving, driving of other cars, child car seats coverage, wall charger coverage, misfuelling coverage, and damage to trailers. These extras cannot be added to Third Party Fire and Theft policies. Personal Accident coverage compensates the policyholder or an insured driver for accidental injuries resulting in death, loss of sight, loss of limbs, or hospitalization. Open Driving covers drivers aged 25 to 70 with a full driving license issued by European countries or License Exchange States, excluding household members. Driving of Other Cars covers the policyholder when driving a temporarily borrowed car, excluding certain vehicle types. Child Car Seats coverage compensates for lost or damaged child car seats, booster seats, push chairs, prams, buggies, or carrycots, with specific conditions. Wall Charger coverage is available for electric vehicles, covering accidental damage to the wall charger, subject to certain conditions. Help@out is an optional extra for Comprehensive cover, providing defined benefits in case of breakdown, accident, theft, malicious damage, punctures, lost keys, and loss of electrical charge. The Foreign Use Extension covers policyholders for up to 90 days during the period of insurance when traveling to Europe with their car, with specific details required. Clients are required to inform the insurer of any car modifications, and coverage extends up to 5% of the car market value unless specified otherwise. Engine performance enhancements are not covered. Main and Named Drivers differentiate between the primary driver (Main) and additional drivers (Named), with up to six named drivers allowed. Fronting involves falsely representing the lower-risk driver as the main driver. The Class of Use categorizes the purpose of vehicle use, including Social, Domestic, and Pleasure, Class 1 for business use, Class 2 for the carriage of goods, and Class 3 for commercial traveling or soliciting orders. OUTsure value represents the market value of the insured vehicle, and OUTsured value is the maximum claim amount. Vehicle storage location is crucial for premium calculation. Client responsibilities include paying the premium, providing truthful information, mitigating the risk of loss, adhering to terms and conditions, and promptly reporting any claims. Changes to the policy include updating personal details, contact information, address, vehicle details, license type, mileage, and excess. Dual Insurance is an arrangement where someone has two insurance agreements for the same risk, allowing the insured to claim the full amount, usually split between insurers.