FAQ 
- What documents does Advantage General require when a client is taking out a new policy?
- For motor insurance we require:
- A completed application form from the applicant
- Driver's licence
- Taxpayer Registration Number (TRN)
- Vehicle registration
- Vehicle Certificate of fitness.
These documents (except the application form) will be copied and returned to the applicant. For a new vehicle, a dealer's invoice that provides proof of value is also required.
- Do you offer any special discounts on premiums to particular policy holders? How might I qualify for such a discount?
- Advantage General offers various discounts on premiums:
- No Claims discounts: offered on comprehensive policies, ranging from a low of 20% in the first year to a high of 60% in year five.
- Restricted driving discount: 15% discount if driving is restricted to the insured &/or spouse
- Insured & two named drivers: 10% discount
- Other vehicles discount:
- 5% discount on each additional vehicle if you insure 2 to 4 vehicles with Advantage General;10 % discount for each additional vehicle over 4 vehicles
- Vehicles with certified tracking system – 10% discount
- Safe driver (claim free) discount: 5% to 20% discount
- If I cancel my policy mid-way through the policy period, will you refund me half of the premium?
- The amount to be refunded upon cancellation is set out in your policy. If the company cancels the policy, it will refund your premium on a pro-rated basis; if you cancel the policy, the company's short term rates apply. Short terms rates are as follows:
- Up to 30 days – 75% refund
- Up to 90 days - 50% refund
- Up to 180 days – 25% refund
- Over 180 days no refund
Where your refund is calculated on a pro-rated basis, the formula is number of days remaining in the policy divided by 365 times the annual premium.
- On up to what year vehicle can I get comprehensive insurance?
- Comprehensive cover is available on vehicles 1 to 12 years old. Comprehensive cover may be offered on vehicles up to 15 years on submission of a suitable valuation report.
Information on policies and requirements
