XS Direct Insurance Brokers Limited is a young company with an innovative vision; to provide drivers with cheaper car insurance, in exchange for sharing the risk of a claim.

We are a company with a roadmap – to trust drivers to drive safely and reward them with lower car insurance premiums as a result. 

Drivers without no claims bonus are normally charged a high premium for their car insurance and forced to try and build up their no claims bonus. The only way to lower premiums is by paying for it?  We think that’s wrong.

Also, when someone makes a claim, not only do they lose their no claims bonus, they also end up paying for the privilege anyway, in higher premiums afterward.  That can’t be right either.

We offer lower premiums to drivers in return for sharing the risk of an accident. By paying a lower premium and having a higher excess, our drivers save, and their premium is guaranteed not to rise as a result of a claim.

XS Direct Insurance Brokers Limited is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us upon request.


Several Liability Clause

The liability of each insurer to the policyholder is several, that is, limited to its participation under this policy and does not extend to the liability of any other insurer, under this policy to the policyholder.


Good question.

Most of the factors that other insurers charge more for, aren’t an issue for us.  We are cheaper for drivers with little or no driving history and who want to build their bonus.

So you pay less for your insurance. Not only that, but Claims with XS Direct won’t affect your premium.

Although your excess is higher, you could save money, even if you have a claim. You can earn a certificate of claims free driving once the policy is claims free.

Our Approach

  • In return for sharing the risk of an accident, we provide drivers with lower premiums.
  • It is unlikely that you will make a claim.  About 1 in 8 drivers make a claim, so why penalise everyone?
  • 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.
  • Even if you make a claim, it is unfair for your premium to go through the roof.  When you claim with us, your premium won't rise.