Did you try TESCO INSURANCE???
Been with Allianz for 3 years now. Insured comp with protected NCB, all window cover ,step back if 2 claims made in a 3 year period over €10k (if its less, no effect on NCB) and if my vehicle is stolen and unrecovered or burnt out, I get a replacement without affecting my NCB either!! New Toyota Yaris - full NCB - €259!! Hubby drives a 5 yr old 1.4 Lanos - premium is €378. Wouldn't think of going anywhere else.
ZAT:
why not phone them again and ask for specimen policy wording. I presume that that is what you want. Whenever you take ut a policy with an insurer, you are given a policy booklet which details all terms and conditions, what is covered, limits and exclusions amongst others.
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