AIB review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Irish retail banks suit anyone already banking in Ireland who wants car, home, renters, landlord, travel, life and income protection arranged together, all paid monthly, from a group that has traded since 1966. The range is broad for a bank, and the starting price is the point to weigh.
Key facts
- Best for
- Several personal lines from a bank you already use, all paid monthly.
- Premium from
- €104 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Renters, Landlord, Travel, Life, Income-protection (Source, checked September 26, 2026)
- Provider type
- Broker (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €25 (Source, checked September 26, 2026)
- Cover limit
- Unlimited medical expenses, backpacker limits apply (Source, checked September 26, 2026)
- Claims channels
- Phone, Online, Email (Source, checked September 26, 2026)
- Legal entity
- Allied Irish Banks, p.l.c. (Source, checked September 26, 2026)
- Headquarters
- Ireland (Source, checked September 26, 2026)
- Founded
- 1966 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre, Community (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- aib.ie
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Monthly payments are available, so the cost of a policy spreads across the year rather than landing as a single sum.
- The range is auto, home and renters, so a household can cover a car, a home, a rental and travel through the same bank.
- Claims can be reported on phone, online and email, giving phone, online and email routes to notify a loss.
Cons
- Home cover starts at €104, well above the €8.37 median starting premium on the site, and it ranks 222 of 252 on that measure.
- Policies are arranged through a broker rather than underwritten by the bank, so the insurer named on the document is the party that pays a claim.
- On travel cover the medical limit is Unlimited medical expenses, backpacker limits apply, so long trips and backpacker travel are treated differently.
Who it suits
- People who already bank in Ireland and want personal cover arranged through the same provider.
- Anyone who prefers monthly payments to funding a policy from savings.
- Households covering a home, a rental and a car at the same time, plus travel or life cover.
Who should look elsewhere
- Shoppers chasing the lowest starting premium, since bunq lists a starting premium of €0.
- Readers who need lines outside this range, such as the health, pet and motorcycle cover on the Good Sam Insurance Agency list of auto, home and renters.
How your money is protected
The books list Irish retail banks as a broker, so the cover is arranged for you rather than underwritten by the bank itself. That distinction decides who pays out: the insurer named on the policy document handles the claim, while the bank sells and passes on the contract. Read the wording, and the insurer name, before you buy.
The company behind it
Behind the policies is Allied Irish Banks, p.l.c., based in Ireland and trading since 1966, so the name on your documents is a long established bank. Support runs on phone, chat and help centre, covering phone and chat alongside a self service help centre, with a community forum for questions that do not need an agent.
How AIB compares
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 9.4
9.1 vs 8.8
9.1 vs 8.7
9.1 vs 9.0
9.1 vs 9.4
9.1 vs 9.3
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 9.3
9.1 vs 8.6- 9.1 vs 9.3
9.1 vs 9.3Max Life Insurance
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.3
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.2
9.1 vs 9.1
9.1 vs 9.1
9.1 vs 8.9
9.1 vs 8.9
9.1 vs 8.8
9.1 vs 8.8
9.1 vs 8.6- 9.1 vs 8.4
- 9.1 vs 8.2
Fit 2 Trip
Protegetuviaje
Allianz Travel Insurance Hong Kong
Tune Protect Thailand
Starr Travelead
Fubon Life Hong Kong
Universal Assistance
e-Insure Taiwan
Bao Minh
AXA BE
Where AIB is available
- Available
- Ireland
- Licence in Ireland
- Central Bank of Ireland, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the cover cost?+
The starting premium shown for home cover is €104, above the €8.37 median starting price across the site. Car and other lines are quoted separately, and monthly payments are available, so the yearly figure you pay may differ from the starting premium. Ask for a quote on the specific line.
Who is regulated here and who pays a claim?+
Cover is arranged by a broker, and the Central Bank of Ireland is the regulator listed for the provider. Because the bank arranges the policy rather than underwriting it, the insurer named in your documents is the party that pays a claim and answers a complaint, so that name is worth checking before you sign.
Which types of insurance are on offer?+
The listed range is auto, home and renters, spanning car, home, renters, landlord, travel, life and income protection. Households with a home and a rental, or a car and a policy that pays if income stops, can put several lines with the same bank rather than shopping for each one separately.
How can I pay for a policy?+
The payment model is monthly only, and monthly payments are available on the policies listed. That suits people who would rather budget in smaller amounts across the year than fund a policy from savings, though the total paid over a year can differ from paying the full premium up front.
What is the excess on car cover?+
The car excess starts at €25, which is the share of a claim that comes out of your pocket before cover pays the rest. That starting figure is the lowest excess quoted, and the amount on an individual quote can be higher depending on the vehicle, the driver and the level of cover chosen.
How do I make a claim and get help?+
Claims can be reported on phone, online and email, so a call, an online form or an email each work. Day to day support runs on phone, chat and help centre, which adds live chat, a self service help centre and a community forum for questions that do not need an agent.
What does the travel cover include?+
Travel cover is listed and the medical limit is Unlimited medical expenses, backpacker limits apply. The unlimited element applies to most travellers while backpackers face a lower cap, so anyone spending months abroad rather than a holiday should check which part of the medical cover applies before booking a trip.
Sources
- aib.ie checked September 26, 2026
Backs: Headquarters, Legal entity
“Registered Office: 10 Molesworth Street, Dublin 2.”
- aib.ie/contact-details checked September 26, 2026
Backs: Support channels
“AIB Phone & Internet Banking 0818 724 724 ... Social Media Customer Support: Chat to us via WebChat, X: @AskAIB, Facebook: Facebook.com/AskAIB ... Help centre”
- aib.ie/investorrelations/60-year-anniversary checked September 26, 2026
Backs: Founded
“Formed in 1966 through the coming together of the Royal Bank of Ireland, the Provincial Bank of Ireland and the Munster and Leinster Bank”
- aib.ie/our-products/insurance checked September 26, 2026
Backs: Insurance types
“Insurance by AIB: AIB Car Insurance, AIB Home Insurance, AIB Travel Insurance ... Get life insurance ... Income Protection”
- aib.ie/our-products/insurance/car-insurance checked September 26, 2026
Backs: Provider type, Licences
“Allied Irish Banks, p.l.c. is an agent of AIB Insurance Services Limited for the provision of general insurance products. AIB Car Insurance is exclusively underwritten by AXA Insurance dac.”
- aib.ie/our-products/insurance/car-insurance/car-insurance... checked September 26, 2026
Backs: Claims channels, Excess from, Pricing model, Monthly payments
“You can report a claim: Online by completing AXA's online claims form ... or Call 0818 7 365 24 ... you can also contact AXA's Customer Care Department ... axacustomercare@axa.ie”
- aib.ie/our-products/insurance/home-insurance checked September 26, 2026
Backs: Premium from
“AIB Home Insurance: all discounts are calculated on a reducing balance basis and are subject to a minimum premium of EUR156 for buildings & contents insurance and EUR104 for contents only insurance”
- aib.ie/our-products/insurance/travel-insurance checked September 26, 2026
Backs: Cover limit
“AIB Travel Insurance: Unlimited medical expense cover (backpacker limits apply)”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.