How can we help you?

Driver Number

Do I risk losing insurance cover if I can’t find my driver number before my renewal date?

 Yes. Under the new law, an insurer or broker will be prevented from issuing a policy to anyone who fails to supply their driver number. Similarly if a named driver cannot provide a driver number they will have to be removed from the policy. Equally the policyholder or prospective policyholder is legally required to supply their driver number and the driver numbers of anyone named on their policy. The same requirement to provide each driver number apply when purchasing a new policy.

How can I provide this information to RedClick?

Customers with licences issued in Ireland

Customers with licences issued outside Ireland

You must send a copy/photo of all licences issued outside Ireland to us by email or post

  • Email: send the driver number for all drivers noted on your policy to drivinglicence@redclick.ie
  • Post: Send the driver number for all drivers noted on your policy to: RedClick, 5 Town Hall Place, Farnham Street, Cavan, H12 V9F5

What about expired learner permits?

By law, you must hold a valid driving licence or learner permit in order to drive and you must carry it with you when you are driving. You can renew your learner permit within 3 months of its expiry, or up to 5 years after it has expired. Remember, you can't renew your learner permit for a third time unless you have a driving test scheduled or have been unsuccessful in the driving test in the previous 2 years. 

You must contact the RSA and book a driving test so that youy can renew your learner permit and carry it with you when you drive. It is important to act now, so you are not left without insurance cover when the new law comes into effect.

What do I do if my licence is expired?

If your licence is expired, you must renew it before the new law takes effect. You can renew your licence online or in person within three months of its expiry date, or up to 10 years after expiry. Visit the NDLS website for details.

If your licence expired more than 10 years ago, you’ll need to pass a driver theory test and apply for a new learner permit. Start this process immediately to avoid delays in securing insurance.

About RedClick

Are we adding new products to our range?

We are not planning any immediate new products.

Are your payment methods changing?

No. Our payment methods are staying the same and you do not need to contact us to provide your details. If we already have details of your debit/credit card or bank account used for your policy payments we will continue to apply any charges notified to you, to that account/card.

Can I speak to someone about RedClick?

Yes of course! We are here to help. Our opening hours are available on our website www.redclick.ie/contact-us

Do I need to change my car insurance disc?

No. There is no need to change your vehicle disc. Your existing disc continues to be valid and there is no need to contact us for a new one. When you renew your policy, we will issue your new documents with our new name and logo.

RedClick Club

Do I need to be opted in to receive marketing to take part?

To be eligible for RedClick Club; Spin to Win, discounts, offers and competitions, you must be opted in to receive RedClick marketing communications. You can opt in to receive marketing communications here.

How do I get a multi-policy discount?

When getting a quote you will be asked if you have any other active RedClick policies.  Simply give your other RedClick policy number and you will save on your new policy.  

When you're policy is due for renewal, and you have more than one active RedClick policy, please contact us on 01 553 4040, email us at info@redclick.ie or chat to us live online to ensure your Multi-Policy discount is applied.

 

Multi-policy insurance discount is available for Republic of Ireland eligible insurance policies.

Applies to home, private motor (including taxi), motorcycle, and commercial vehicle (non-fleet) insurance policies that are eligible RedClick policies

For more details, check the Terms and Conditions listed here.

What are the RedClick Club Terms and Conditions?

RedClick Club Terms & Conditions

 

Full RedClick Club Terms and Conditions are available here.

 

General Terms and Conditions

  1. By registering for RedClick Club, or applying for a RedClick Club offer, competition, etc., you are deemed to have accepted these terms and conditions.
  2. We reserve the right to make any changes to the RedClick Club service or to discontinue any aspect or feature of the service without notice.
  3. We reserve the right to change these terms and conditions at any time. By continuing to use the RedClick Club service you will be deemed to have accepted the varied terms and conditions which will be posted here.
  4. Any use of RedClick Club service is entirely at your own risk and in no event shall we be liable for any indirect, incidental or consequential damages including without limitation loss of income, data or other information as a result of the use of  RedClick Club service.
  5. You acknowledge and agree that we are not responsible for the availability of any third-party products and services or what you access through RedClick Club. We shall not be held responsible or liable for any content, advertising, products or services available from a third party. Any dealings between you and third party via RedClick Club, including payment for and delivery of products, services and any other terms, conditions, warranties or representations associated with such dealings, are made between you and that third party. Therefore, we are not responsible or liable for any loss or damage of any kind incurred as the result of any such dealings.
  6. We accept no liability or responsibility for any of third party’s bookings, products and services. That particulat third party will be supplying products and services to you on their own standard terms and conditions.


Reward Offers & Discounts Terms and Conditions

  1. E-Gift Codes: The Offer or Discount you select will generate an automatic e- Gift Code, please follow its specific guidelines. Specific terms and conditions will apply to each Offer or Discount and will be outlined on each e-Gift Code.
  2. If using the code via an online mechanic, you simply enter the promotional code when prompted as part of the online payment process. This will then apply your discount.
  3. Please always refer back to RedClick Club for full details of the promotion. These will be provided to you when redeeming the Offer or Discount.
  4. You will receive your e-Gift Code automatically after selecting your Offer or Discount of choice.
  5. If you do not receive your Offer or Discount e-Gift Code automatically, please contact the WIN|WIN’s support team within 7 days via email:- RedClickSupport@winwin.ie or call our customer service team on 01 685 5391. Our lines are open Monday to Friday 9.30AM – 16.30PM. Any notifications outside of this window will not enable re-issuing of your e-Gift Code.
  6. Please follow the online promotion instructions thoroughly to ensure you redeem the correct Offer or Discount. No substitutes or alternatives will be available.
  7. E-Gift Codes are non-transferable.
  8. Each e-Gift Code has an expiry date and must be used before this expiry date.
  9. Breach of these terms and conditions will result in disqualification from the promotion. The decision of the Promoter in this matter will be final.
  10. The Promoter will not be liable, either severally or jointly, or have any responsibility, for lost or stolen e-Gift Codes.
  11. The Promoter reserves the right to amend, suspend or terminate the Promotion at any time. The promoter does not accept any responsibility or liability whatsoever for:

    a) any technical failure or malfunction or any other problem in any network, system server, provider, delivery service or otherwise which may result in email information being lost or recorded whereby waive any claim whatsoever for any losses, costs, damages and expenses arising from such problems

    b) Injury or damage to the participant upon delivery or use of their prize

  12. Participating partner’s offers will frequently rotate in order to keep site content fresh and updated. Offers or Discounts can be removed and/or replaced by participating Suppliers.

What are the RedClick Go Terms and Conditions?

RedClick Go Terms and Conditions

By participating in this Promotion, you agree to the terms and conditions below. 

In these terms and conditions: 

“Promotion” is the RedClick Launch competition “RedClick Go: win an electric car”. 

“Promotion Period or Promotion start and end date” means between 27 August 2024 and the 30 September 2024.

“The Promoter” is RedClick. 

“RedClick” means: Generali Seguros y Reaseguros, S.A., trading as RedClick and Generali, is authorised by the General Directorate of Insurance and Pension Funds in Spain and is regulated by the Central Bank of Ireland for conduct of business rules. Registered in Spain: No. Registro Mercantil de Madrid, Tomo 21275, Folio 45, Hoja M-377257. Registered office: Paseo de las Doce Estrellas 4, 28042 Madrid, Spain. Registered Irish branch: 5 Town Hall Place, Farnham Street, Cavan, H12 V9F5, no: 904632. VAT number IE9952754S. 

“Main prize” is a new VW ID.7 Pro Plus, along with a contribution to the value of €750 for installation of an electric charge point, if you need one (no alternative is provided should the winner already have an electic charging point installed) and a contribution, up to the value of €2,500, towards any additional car insurance expenses that might arise for the winner, in their current policy term, with RedClick.  Subject to standard underwriting acceptance criteria. 

“Runner-up Prize” is one of fifty electronic vouchers from Halfords to a value of €500 each. 

“Active Policy” is an active consumer policy with RedClick, obtained either directly with RedClick or indirectly, via a broker. Consumer policy excludes Fleet and Taxi policies. To be eligible you must have an active policy when the promotion closed on 30 September 2024.

This Promotion is open to anyone with an Active Policy between the Promotion start and end date except employees of RedClick or family members of such employees, directors, officers, brokers, or agents of RedClick. The Promoter reserves the right to request proof of identity and age, verifiable by birth certificate, passport or driving licence only.

 

  1. The Promotion will run from 27 August 2024 to 30 September 2024. 
  2. This Promotion consists of RedClick giving away one Main Prize to one existing customer with an Active Policy, plus fifty (50) Runner-up Prizes of one (1) €500 electronic voucher from Halfords for a bicycle, subject to the Halfords standard terms and conditions. 
  3. The Main Prize colour will be based on available colour at the time of conclusion of the Promotion, no alternative colours will be offered. Any Model appearing in Promotional material will be for illustrative purposes only and may not be the model offered as the Main Prize.  
  4. The Main Prize will be supplied to RedClick for the purposes of this competition. The Main Prize will be subject to any additional terms and conditions of the supplier to the Promoter.  
  5. It will be the responsibility of the winner to organise road tax and car insurance for the Main Prize.
  6. The winner must hold a valid driver licence and must not be disqualified from driving.
  7. To be eligible to enter this Promotion, you must have an Active Policy with RedClick at the end of the Promotion Period: 30 September 2024, and you must also answer the question below correctly.
    1. The question is: What is our new name?
      1. RedClick
      2. BlueClick
      3. GreenClick
  8. To enter the Promotion, eligible entrants must submit a completed online entry form available at www.redclick.ie/go follow the link to the entry page, enter their full name, phone number and email address, associated with their Active Insurance Policy, answer the question and accept these terms and conditions. All entries must be submitted online and received before the closing date of 30 September 2024. There will be one (1) winner of the Main Prize and fifty (50) winners of the Runner-up Prize. 
  9. The winner of the Main Prize will be the eligible individual who is randomly selected by our independent adjudicator.  
  10. The winner of the Runner up Prizes will be the next 50 subsequently drawn entries with correct answers, selected by our independent adjudicator.
  11. The winner and runners up will be notified by telephone or email by RedClick in October 2024. The Promotor will use reasonable endeavours to contact the selected winners on the phone number/email address provided on the competition entry. To win the Main Prize and Runner Up Prize, the recipients must be available to take the call from the Promoter, or if not available to take the call, must return the Promoter’s call or respond to our email, within 7 days. 
  12. If the first selected winner is unavailable to take the call and fails to return the Promotor’s call within 7 days of the notification, then another winner will be selected by the independent adjudicator. 
  13. The winner must claim the Main Prize within 7 days of notification. If the Main Prize is not claimed after this time it will lapse and the Promotor may offer the Main Prize to another entrant in accordance with the terms and conditions of this Promotion.  Claiming the prize means responding to our calls or emails. Runner up prize winners will have their prizes emailed to the address provided in the competition entry.
  14. There will be no cash alternative for the Main Prize or Runner up Prizes. The prize is not transferable.
  15. The winner and runners up may be required to take part in promotional activities, including, the publication of their entry, name, photograph of the winner and value of the Main Prize. No remuneration will be associated with this activity. 
  16. A full list of winners and runners up will be made available in October on www.redclick.ie/go and on our social media channels, which can be found by searching for RedClick Ireland.
  17. The Promoter reserves the right to disqualify any applicant or to amend these terms and conditions with valid reason.  
  18. In the event of circumstances beyond its control, the Promoter may cancel the Promotion at any stage. 
  19. Details provided by entrants as part of this Promotion will be retained by RedClick for the purpose of administering this Promotion.  This information will not be used or retained for any other purpose unless otherwise requested by you.  
  20. All information provided is correct at the time of going live but may be subject to change by RedClick if necessary for the purposes of administering the Promotion. 
  21. RedClick reserves the right to disqualify any applicant with valid reason. 
  22. Limitation on RedClick liability: By participating in the Competition, you agree that RedClick accept no responsibility for loss, damage suffered by you arising from this Promotion unless such loss or damage was caused by the Promoter, and which is a foreseeable result of the Promoter’s breach of these terms and conditions or their negligence. Evidence of loss or damage will be required.
  23. RedClick provides no warranties or guarantees whatsoever on the manufacture or operation of the Main Prize VW ID7 Pro Plus car or on bicycles or any other goods purchased from Halfords with the voucher. Winners of the Main Prize and any Halfords voucher shall each be responsible for obtaining any warranties directly from the VW motor dealer or Halfords as the case may be.
  24. You acknowledge and agree that we are not responsible for the availability of any third-party products and services or what you purchase with a voucher. We shall not be held responsible or liable for any content, advertising, products or services available from a third party. Any dealings between you and third party via the Main Prize or the voucher provider, including payment for and delivery of products, services and any other terms, conditions, warranties or representations associated with such dealings, are made between you and that third party. Therefore, we are not responsible or liable for any loss or damage of any kind incurred as the result of any such dealings.
  25. We accept no liability or responsibility for any of third party’s products and services. That particular third party will be supplying products and services to you on their own standard terms and conditions.
  26. Neither RedClick, nor its affiliates are responsible for printing or typographical errors in any materials relating to the Promotion. 
  27. Your Information: RedClick is careful to treat the privacy of its customers with care and due regard to the laws of Ireland. The information, including personal data, which you submit to enter the Promotion, will be used by RedClick to run the Promotion. This information will not be used for any other purpose unless otherwise requested by you. Calls may be recorded for verification and training purposes. RedClick will handle any personal data in accordance with the RedClick Privacy Policy which is available at www.redclick.ie/privacy-policy-and-general-data-protection-regulation
  28. Governing Law: This agreement is governed by the laws of Ireland and subject to the exclusive jurisdiction of the Irish courts. These terms and conditions do not affect any statutory rights you may have as a consumer. 

Claims & Emergencies

Am I insured to drive other vehicles?

Car

Check your Certificate of Insurance to see if you're covered to drive other cars. If so, the policyholder will have third party only cover to drive other private motor cars that are temporarily borrowed, under the following conditions:

  • The other car is not owned by your spouse, partner/cohabitant, employer or hired to them under a hire-purchase or lease agreement.
  • You currently hold a full Irish, United Kingdom (UK), or European Union (EU) driving licence.
  • The use of the other car is covered in your Certificate of Insurance.
  • There's a current insurance policy in place in another person’s name that covers the other car.
  • You're not covered under any other policy to drive the other car.
  • You have the owner’s permission to drive the other car.
  • The other car is not more than 15 years old.
  • The other car is in a roadworthy condition and holds a valid NCT.
  • The vehicle is not being driven outside the territorial limits and you still have the insured vehicle and it holds a valid NCT and is in a roadworthy condition.

This extension applies while being driven within the territorial limits and only to private passenger cars.

It does not include:

  • Vans
  • Car-vans
  • Crew cabs
  • Jeep-type vehicles with no seats in the back
  • Vans adapted to carry passengers; or any vehicles taxed commercially

For full details, please refer to section seven of the policy booklet.

If you're in any doubt as to whether the benefit applies to your policy, please contact us here

Do I have to report every incident or claim?

All claims and incidents that may give rise to a claim now or in the future must be reported to RedClick immediately or as soon as practically possible.

Incidents that may give rise to a claim must be reported to RedClick immediately. You can contact us here.

Does my Car insurance policy include breakdown cover?

For motor policies beginning with XB, please refer to your schedule of insurance to check if you selected Breakdown Assistance as an optional cover.

For motor policies beginning with GEI, Breakdown Assistance is included as standard. Please see full details below:

If you cannot drive your vehicle as a result of a breakdown, we'll arrange one hours free roadside assistance and tow the vehicle to the nearest competent repairer, or to a garage of your choice, whichever is closer. If the repairs cannot be completed where the vehicle broke down and you're away from home, we can arrange and pay up to €150 for one of the following:

In Ireland and Northern Ireland

  • Transport for you and your passengers to your intended destination within the territorial limits; or
  • Use of a replacement vehicle for up to 48 hours while the repairs are being carried out; or
  • Bed and breakfast accommodation for one night only while repairs are being carried out (up to €35 for each person and €150 in total). If the vehicle is repaired, we'll provide the cost of public transport for you to collect the vehicle.

In England, Scotland, and Wales (including the Isle of Man and Channel Islands)

  • A replacement car for up to 48 hours, up to £100; or
  • If the car cannot be repaired before the departure date, we'll cover the cost of towing the car to the port you're leaving from, up to £250.

The help provided depends on the options available to us at the time you contact us. We also offer a message service to let family and friends know what has happened. Breakdown assistance is subject to three call outs within the insurance year.

Does my Motorcycle insurance policy include breakdown cover?

For motor policies beginning with XB, please refer to your schedule of insurance to check if you selected Breakdown Assistance as an optional cover.

For motor policies beginning with GEI, Breakdown Assistance is included as standard. Please see full details below:

For those days when your motorcycle won't start or breaks down at the side of the road, use our free 24-hour breakdown cover (including home start). Using this breakdown assistance will not affect your No Claims Bonus.

If you cannot drive the motorcycle as a result of a breakdown, we will arrange and pay for:

  1. One hour’s labour at the roadside or at your home; and
  2. Towing the motorcycle to the nearest competent repairer or to a garage of your choice, whichever is closer.

If the repairs cannot be completed where the motorcycle broke down and you're away from home, we can arrange and pay for one of the following:

  1. Transport for you and your passenger to your intended destination, within the territorial limits, up to €35 for each person and €70 in total; or
  2. Bed-and-breakfast only accommodation for one night only while repairs are being carried out, up to €35 (£35) for each person and €70 (£70) in total.

The help provided depends on the options available to us at the time you contact us.

Getting a Quote

Can I earn a No Claims Bonus as a learner permit holder?

Yes, once the policy is in your own name you'll start to earn a No Claims Bonus, regardless of which licence type you hold. You can also earn named driver experience if you have been a named driver on somebody else’s policy, regardless of your licence type.

Can I insure a vehicle which isn't registered in my name?

Yes, you can insure a vehicle registered in your own name or the name of your spouse, partner, co-habitant or a lease company under a minimum 12-month lease. If the vehicle is registered to anyone else, we cannot provide a car quote.

Can I use my No Claims Bonus on more than one policy?

Your No Claims Bonus can only be used on one vehicle at a time. This means if you're insuring a second vehicle for the first time, you will start with a zero years No Claims Bonus, and you will start to earn a second No Claims Bonus on the second vehicle.

However, if you have a car insurance policy with us and want to insure a second vehicle, we may be able to give you a discount on the second vehicle if you're the only driver on both policies. Contact us to check if you're entitled to this discount.

Can my quote be sent to me?

If you get your quote online, we will automatically email you the details.

If you get your quote by phone, just ask for a copy to be emailed or sent to you by post.

Customer Portal

Can I make the text on your website bigger?

There are different options available to you depening on your device and browser. Here are some examples for common browsers/devices:

How do I access the Customer Portal?

Watch our YouTube Video for more information

https://youtu.be/Gvyqy0Z3Q2Y

 

Or follow these simple steps below:

  • Visit https://account.redclick.ie from your device
  • Enter the email address and password associated with your policy
  • To secure your account, you need to copy the long code presented
  1. If you don't have an Authenticator App, download one for free, from your app store. We've used Microsoft Authenticator
  2. Open your Authenticator App, click Add Account
  3. Click Other
  4. Select Enter Manually
  5. Set the Account Name as RedClick
  6. Paste the secret key you copied at Step 3
  7. Copy the six digit code from your Authenticator App onto the Customer Portal login page
  • You can now view your policy details and documents, including any renewal information.

In future, you will simply need to enter a new six-digit code from your Authenticator App. This code is regenerated every minute.

I can't set a password for my Customer Portal account

Your password needs to be at least 8 characters in length. It must also contain 3 of the following:

  • Upper case letters (A-Z)
  • Lower case letters (a-z)
  • Numbers (0-9)
  • Special characters (-_+=[]{}|:’,?`~”;()!)

Both password fields should match.

I just want to see my renewal price, where can I see this?

You can contact us to check any aspect of your policy and request paper documents.

Manage My Policy

I'm receiving an error when I try to login to the Documents Portal.

You need to ensure you use the email address that we have registered for you. Your policy reference number must be entered as it's displayed in the email we sent you. Please note this is case sensitive.

Your one time password is only valid for 30 minutes. If this time has passed, you can request a new one through the Documents Portal. 

If you are still unable to access the portal, or your email address has changed, please contact us.

If there’s a system outage, we apologise. Please try and access the Documents Portal again in a short time.

Am I covered to drive unaccompanied on a learner permit?

No, you're not covered to drive, unaccompanied, on a learner permit. The Road Traffic Act states that learner permit drivers must be accompanied by a full licence holder at all times when driving. Therefore, no cover will apply if you drive unaccompanied on a learner. The accompanying driver must have held a full licence for a continuous period of at least two years.

Can I change the language on your website?

Yes, with the help of tools provided by your device and the browser you can choose the display language.

Can I get temporary cover on another vehicle when my own is in the garage?

You can temporarily change your vehicle if your own vehicle is in the garage for service or repair.

An acceptance criteria will apply before offering cover on all vehicles.

A charge may be applied.

My Documents

How do I request a household Indemnification Certificate?

To get a copy of your house indemnity you must contact us on 01 553 4040 and we can help you.

You can visit our contact us page to find information about our opening hours.

How do I request a replacement Certificate of Insurance?

All policies starting with GEI

In order for us to send you a replacement Certificate of Insurance, you'll need to complete the Lost Certificate Declaration. You can download this here.

You can then email this to us at info@redclick.ie or post it to us at5 Town Hall Place, Farnham Street, Cavan, Co Cavan, H12V9F5

Remember to write your policy number on any documents you send us.

Please call us to request a duplicate Certificate of Insurance or disc. You can contact us here.

All policies starting with XB

Please call us to request a duplicate Certificate of Insurance or disc. You can contact us here.

I need a copy of my No Claims Bonus. How do I request this?

A copy of your No Claims Bonus will be included within your renewal notice.

If you have lost your No Claims Bonus, you can now request a copy online without having to log in.

If I require a Letter of Indemnity for my employer. How can I request this?

Car, van, or motorcycle

Your employer may require a letter of indemnity from your insurance company.

This means that if there's an accident whilst driving the car for work purposes, your employer won't be held liable.

You can now request a letter of indemnity online without having to log in.

Payments

Are there any additional charges in the price?

The price we quote will include the charge of 3% due to a Government Levy. RedClick meet all obligations to contribute to the Insurance Compensation Fund (ICF). 
Payment method is considered a rating factor. If you choose to pay by monthly instalments this may impact the premium we charge.

The price we quote will include the charge of 3% due to a Government Levy. RedClick meet all obligations to contribute to the Motor Insurance Insolvency Compensation Fund (MIICF) and the Insurance Compensation Fund (ICF). Payment method is considered a rating factor. If you choose to pay by monthly instalments this may impact the premium we charge.

Can I change the date that my instalments are collected from my bank account?

Yes, we can then change your collection date up to 14 days either side of your current due date, up to the 28th of each month. Your instalments will then be collected on the same date every month.

In order for the new instalment date to take effect for your next payment, you must contact us seven days before your instalment is due. To change your instalment date, please contact us here

Can I pay my policy in full throughout the year, and will I still get charged the Direct Debit service charge?

If you're paying your policy by monthly instalments, you can pay your policy in full at any stage throughout the year. The service charge will only be applied to your premium for as long as you're availing of the instalment option, so you can save money by paying your policy off early.

To make an early settlement payment, contact us here.

Complaints

How can I make a complaint?

We are committed to providing all our customers and claimants with a high standard of service at all times. We realise that things can go wrong and there may be times when you feel our service has let you down.

As a valued customer, you have the right to complain. Please contact our team first to see if we can resolve any concerns you may have. Phone: 01 5534040.

If you have already been in contact with our team, and you remain dissatisfied, please click here to review our complaints process. 

I have discussed my complaint with the Customer Service team and I'm unhappy with the response I received.

You can send your concerns in writing to our Customer Service Manager:

Email: mailto:feedback@redclick.ie

Letter: 5 Town Hall Place, Farnham Street, Cavan, H12 V9F5

I have received my complaint final response letter and I am still not happy

If you are not satisfied with our decision or if we haven’t given you a decision after 40 business days, you have the right to refer your complaint to the Insurance Ombudsman at:

The Financial Services and Pensions Ombudsman
Lincoln House
Lincoln Place
Dublin 2
D02 VH29

Tel: (01) 567 7000
Email: info@fspo.ie
Website: www.fspo.ie

What happens once I raise a complaint?

Our team will try to resolve your complaint immediately. If this is not possible, we promise to acknowledge your complaint within five business days of receiving it.

In the unlikely event that we have not resolved your complaint within 20 business days of receiving it, we will write and let you know why and what further action we will take.