{"id":23131,"date":"2025-02-08T11:03:52","date_gmt":"2025-02-08T10:03:52","guid":{"rendered":"http:\/\/www.wheelsforwomen.ie\/?p=23131"},"modified":"2025-02-17T01:27:43","modified_gmt":"2025-02-17T00:27:43","slug":"car-seat-insurance","status":"publish","type":"post","link":"https:\/\/www.wheelsforwomen.ie\/index.php\/car-seat-insurance\/","title":{"rendered":"Are Your Child\u2019s Car Seats Really Covered by Insurance? What Every Parent Needs to Know!"},"content":{"rendered":"

\"\"<\/strong><\/p>\n

Suzanne Keane Explores the Varying Levels of Insurance Coverage for Child Car Seats \u2013 Are You Fully Protected?<\/strong><\/em><\/p>\n

We all know the importance of having the correct car insurance and how to shop around to get the best price for your insurance each year. However, have you ever thought about what\u2019s actually covered in your car?<\/p>\n

If you have a collision, no matter how small, it\u2019s important that your car seats are replaced and that the old seats are destroyed. According to Jayne from Axkid<\/a> \u201cWe always recommend replacing the car seat if you have been involved in an accident, regardless the speed or crash during the accident. There can be damages to the car seat, which might not be apparent or visible, making it unsafe for future usage. Therefore, it must be replaced for the safety standard to be guaranteed. Always contact your insurance company so they can help you further with this matter\u201d.<\/p>\n

But how much insurance cover do you have for your seats?<\/strong><\/p>\n

Being involved in a crash is stressful enough without finding out that your car seats won\u2019t be replaced. Reusing the old seats isn\u2019t an option as Sophie from Cybex<\/a> told us. \u201cCYBEX strongly recommend that you replace a seat after any kind of accident. This is because tiny hairline cracks, which may not be visible to the naked eye, can appear in the plastic parts of a seat after an accident. These cracks can pose an increased risk to safety\u201d.<\/p>\n

So how much cover do you need?<\/strong><\/p>\n

This really depends on the child seats you have in your car at any one time. A single high back booster could generally be replaced for under \u20ac200. However, if you have three rear facing seats the replacement cost could rise to thousands so you should work out the cover you need and then shop around for insurance. It\u2019s important to keep in mind that you generally won\u2019t have time to wait for a seat to be reduced in a sale and will have to pay RRP if you\u2019re replacing it in a hurry.<\/p>\n

The cover that you have for your car seats varies from company to company in Ireland. Aviva<\/strong><\/a> seem to be top of the heap as they will cover the full value of your car seat, if all else is in order. The AA<\/strong><\/a> come in second place, offering \u20ac500 replacement cost per seat \u2013 as long as they are correctly fitted to the car at the time of the collision. AXA <\/strong><\/a>offer a maximum payment of \u20ac600, no matter how many seats you have. This drops to \u20ac500 for Allianz<\/strong><\/a> and \u20ac400 for FBD <\/strong><\/a>including other car contents.<\/p>\n

Rather than just take the insurance company’s word for it we asked some parents how they got on when having to claim for child seats \u2013 Ciara Douglas had a claim with the AA about 5 years ago and she was refunded in full for her new seats. Tara Campion had 2 seats replaced by AXA and had no problem as the value was under their \u20ac600 limit while Lee-Ann Ronan had a seat replaced by them in the past month without any issues. Michelle Rattigan had her seat replaced by Allianz while Treasa Brown and Ciara O\u2019Sullivan both had three seats replaced by Aviva a few years ago and didn\u2019t have to spend a cent.<\/p>\n

Surprisingly it appears that Liberty Insurance<\/strong> or itsforwomen.ie<\/strong> offer no cover for child seats in cars insured by them while one parent told us she was covered for \u20ac500 by Zurich<\/strong> \u2013 we did contact all of these companies to clarify their cover but received no response.<\/p>\n

If you\u2019re in the UK be wary of companies that only offer vouchers for a particular retailer, or a replacement seat to suit your child \u2013 this may be a seat that is barely legal for your child to use but certainly isn\u2019t suitable or safe.<\/p>\n

Interestingly, Sin\u00e9ad Moran-Sharkey pointed out that child seats aren\u2019t covered at all under company or business policies. Sarah McCormack also told us that when she had an AXA Student policy child seats were excluded.<\/p>\n

So while the cheapest price for car insurance may be the most attractive keep in mind the value of what\u2019s inside your car too \u2013 that \u20ac50 saving could work out very expensive if you need to replace your child seats after a collision!<\/p>\n

 <\/p>\n

Suzanne Keane<\/strong><\/p>\n

 <\/p>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

Suzanne Keane Explores the Varying Levels of Insurance Coverage for Child Car Seats \u2013 Are You Fully Protected? We all know the importance of having the correct car insurance and how to shop around to get the best price for your insurance each year. However, have you ever thought about what\u2019s actually covered in your […]<\/p>\n","protected":false},"author":4,"featured_media":23136,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3388,3387,17,4428,117,325],"tags":[5278,5276,5271,5266,5261,5283,5264,5272,5268,5263,5270,5262,5274,5277,5267,5275,5285,5281,5279,5269,5265,5282,5273,5284,5286,5280,3935,3140,801,5337,3404,5338,1053,3831,5255,5843,5339],"yoast_head":"\nAre Your Child\u2019s Car Seats Really Covered by Insurance? 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