XSdirect.ie
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Car Insurance

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Our Approach

We have a radical approach to private motor insurance – be transparent and fair. We believe:

  • The No Claims Bonus system is unfair. It’s backward looking, and not a reliable way to judge future events or risks
  • Past claims shouldn’t have any effect on your insurance costs
  • It is unlikely that you will make a claim. About 1 in 8 drivers make a claim, so why penalise everyone?
  • Even if you make a claim, it is unfair for your premium to go through the roof

This means everyone can start with a clean slate.

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