Car Insurance Frequently Asked Questions

To get a car quote, you'll need to provide us with various details of all drivers to be insured on the policy. Please ensure that you have the additional driver's permission to share their information with us.

Some of the details you will require are listed below. However you may also need additional details which you will be prompted to enter as you complete your quote:

• Name
• Date of birth
• Licence details - such as type of licence
• Claims
• Penalty Points / Conviction details

You'll also need the details below of the vehicle you are insuring:

• Registration number or make, model and year of manufacture
• Value
• Address where it will be kept

Car, taxi, van, motorcycle and home insurance quotes are valid for seven days.

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.

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

• Google Chrome
  • Android
  • iPhone/iPad
  • Desktop
• Safari
  • iPhone
  • iPad

With our quick and easy online quote system, a typical insurance quote takes only two minutes.

• Get a Car Insurance quote
• Get a Home Insurance quote
• Get a Motorcycle Insurance quote
• Get a Van Insurance quote
• Get a Taxi Insurance quote

You can also contact us to discuss your quote or if you have any queries.

Comprehensive cover is Third Party, Fire & Theft plus cover against the loss or damage (accidental or malicious) to the insured vehicle.

Third Party cover provides cover which is required under the RTA and covers the vehicle whilst on a road or in a public place but remaining within the territorial limits. However, it does not cover any damage sustained to the insured vehicle for instance by fire, theft or accidental damage.

Third Party usually covers your legal liability for: Injuries to other people including your passengers or damage to other peoples' property. 

Comprehensive cover is Third Party, Fire & Theft plus cover against the loss or damage (accidental or malicious) to the insured vehicle.

A policy excess is the first amount of any claim you must pay. We pay the balance, up to the applicable limit.

A voluntary excess is an amount you choose to add on top of the standard policy excess that applies to the specific type of claim. Selecting this option helps to reduce the cost of your premium.

If you need to make a claim, you’ll pay the total excess applicable to your policy, depending on the nature of the claim. This is the first part of any claim amount. We then cover the remaining balance, up to the relevant policy limit.

Please refer to your policy schedule for full details of all applicable excesses.

1.  For motor policies beginning with XB

Breakdown Assistance can be purchased as an optional extra. Please refer to your schedule of insurance to check if you selected Breakdown Assistance as optional extra cover.

2.  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.

Windscreen cover is an optional extra on Third Party fire and Theft car insurance policies, please check your schedule of insurance to see if you have this cover.

This covers all the windows in the car, but doesn't include sunroofs, glass roofs, or panoramic sunroofs, as long as an approved repairer is used.

A claim on your windscreen cover won't affect your No Claims Bonus. Two claims for every vehicle in any one period allowed.

Contact us to arrange for your windscreen to be repaired.

Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.

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. 

Car, taxi, van or motorcycle

How do I avail of my No Claims Bonus (Discount)?

A No Claims Bonus (or No Claims Discount) is a discount that you earn by holding a policy in your own name without any claims:

• It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
• Your No Claims Discount must have been earned on a policy within the past 24 months. To clarify, you must have held a policy in your name with your No Claims Bonus obtained within the past 24 months.
• The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active, you cannot use the No Claims Bonus from that policy on this one.
• You can use a No Claims Bonus earned on private motor, taxi, or commercial policies on your private motor policy.
• To avail of a No Claims Bonus, you must have earned your bonus on a similar policy. For example, for motorcycle policies, you can only use a No Claims Bonus/Discount earned on another Motorcycle policy.  
• You can use a No Claims Bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy providing weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside ROI?

If your No Claims Discount has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

• Once we receive proof of your No Claims Discount, we'll contact your last insurer to confirm the document is valid.
• We may need your help during this process, so we would request that you assist us with this. For example, we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
• This process may take some time.
• If we are unable to confirm your No Claims Discount, this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you'll need to provide us with proof of your No Claims Bonus. To do this, you'll need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Click here to contact us. Remember to add your policy or reference number clearly in any emails you send to us. 

If you earned your No Claims Discount with RedClick under a previous policy, please contact us to advise.

A No Claims Bonus (or No Claims Discount) is a discount which you earn by holding a policy in your own name without any claims.

Details of a No Claims Bonus

• It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
• Your No Claims Discount must have been earned on a policy within the past 24 months. To clarify, you must have held a policy in your own name with your No Claims Bonus obtained within the past 24 months.
• The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active, you cannot use the No Claims Bonus from that policy on this one.
• You can use a No Claims Bonus earned on private motor, taxi, or commercial policies on your private motor policy.
• To avail of a No Claims Bonus, you must have earned your bonus on a similar policy. For example, for a No Claims Bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
• You can use a No Claims Bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy, providing weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside Ireland?

If your No Claims Discount has been earned outside Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

• Once we receive proof of your No Claims Discount, we will contact your last insurer to confirm the document is valid.
• We may need your help during this process, so we would request that you assist us with this. For example, we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
• This process may take some time.
• If we are unable to confirm your No Claims Discount this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your No Claims Bonus. To do this you will need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Visit our contact details page for details. Remember to add your policy or reference number clearly in any emails you send to us. 

If you earned your No Claims Discount with RedClick under a previous policy, please contact us to advise.

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.

A No Claims Bonus (or No Claims Discount) is a discount which you earn by holding a policy in your own name without any claims.

Details of a No Claims Bonus

• It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
• Your No Claims Discount must have been earned on a policy within the past 24 months. To clarify you must have held a policy in your name with your No Claims Bonus obtained within the past 24 months.
• The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active you cannot use the No Claims Bonus from that policy on this one.
• You can use a No Claims Bonus earned on private motor, taxi or commercial policies on your private motor policy.
• To avail of a No Claims Bonus, you must have earned your bonus on a similar policy. For example for No Claims Bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
• You can use a No Claims Bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy providing weight of the vehicle does not exceed two tonne carrying capacity.
   

What if my No Claims Discount is from outside ROI?

If your No Claims Discount has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within the UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

• Once we receive proof of your No Claims Discount, we will contact your last insurer to confirm the document is valid.
• We may need your help during this process, so we would request that you assist us with this. For example, we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
• This process may take some time.
• If we are unable to confirm your No Claims Discount this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your No Claims Bonus. To do this you will need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Click here to contact us. Remember to add your policy or reference number clearly in any emails you send to us.

If you earned your No Claims Discount with RedClick under a previous policy, please contact us to advise.

A copy of your No Claims Bonus will be included within your renewal notice.  If you need to request a copy please contact us or login to the customer portal and go to your documents to download it.

Your Driver Number is a nine-digit number that’s located on your driving licence. Its main purpose is to track your driving history.

Where is it located?

On a plastic driving licence, your Driver Number can be found in field 4d on the front of your licence. On a paper driving licence, it’s printed in field 5.

What is my Driver Number used for?

Your Driver Number is essentially your driver identity. Regardless of whether you renew your licence or get a new car, your Driver Number will remain the same.

Information such as your penalty points history can be found by relevant authorities in Ireland if they search your name and Driver Number.

Why do you require my Driver Number?

It is a legal requirement for all insurers in Ireland to hold and share Driver Numbers with the relevant authorities in Ireland. As a result, we require the Driver Number and the driver's licence country of origin for any driver noted on a policy with us.

For more information click here. 

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.

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. The National Driver Licence Service (NDLS) manages licence applications and renewals. You can apply for your replacement driving licence online. Visit the NDLS website to find out how. Don’t leave it to the last minute as the process can take some time. 

In the short-term, you can call the NDLS to request your driver number on 0818 700 800. You will need to confirm your identity by providing your name, date of birth and PPSN. However, you must replace your licence 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.

If each driver can’t be verified, then the named driver will be removed from the policy and the driver will not be insured to drive.

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

Car, taxi, van or motorcycle

If you're involved in an accident you should:

• Notify the Gardaí immediately.
• Note the insurance details of the third-party involved.
• Note the names, addresses, and phone numbers of any independent witnesses.
• Do not admit liability.
• Contact our Claims team here.
• Email our dedicated Motor Claims team.

We will then assign you a personal claims handler and deal with your claim as quickly and as hassle-free as possible.

Car, van, and taxi

We will pay you the market value of the vehicle immediately before the accident. The value will be calculated based on industry standard guides.

New car replacement applies to cars less than 12 months old that were bought as new. Please refer to the policy booklet for details. 

New car replacement does not apply to bike policies.

Car, van, or motorcycle

• Stop as you are required to by law.
• Check if anyone is hurt and needs medical assistance.
• Do not admit responsibility.
• Exchange details with those involved.
• Report the claim immediately by contacting our Claims team here. 

We have appointed claims representatives available abroad who will assist you with your claim. You will find their details on https://www.dekra.com/en/claims-handling/ 

Car, taxi/hackney, van or motorcycle

Please ensure you have full details of the claim including:

• Policy number
• Policyholder name and contact details
• Date and location of incident
• Circumstances surrounding the incident
• Third-party details if applicable

Home

Please ensure you have full details of the claim including:

• Policy number
• Policyholder name and contact details
• Date and location of incident
• Circumstances surrounding the incident
• Estimated value if known
• Risk address
• Details of any previous claims in last five years

You need to call the 24-hour windscreen helpline. You'll be asked for your policy reference number.

Car, van, or motorcycle

An excess is the first amount of any claim you must pay, where you make a claim under the policy.

We pay the balance, up to the applicable limit.

Home

An excess is the first amount of any claim you must pay. We pay the balance, up to the applicable limit.

Please check your schedule of insurance to confirm what policy excess applies to your policy.