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

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.

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.

The best time to buy car insurance is when you have just purchased a car for the first time.  

It is also recommended that the best time to renew your car insurance is as soon as possible before your policy renewal date (within 30 days of receiving your renewal notice) to ensure you remain covered.

Need to buy car insurance or get a quote?  Click here for a quick online quote now.

While cheap car insurance might sound appealing, it's not always the right option based on your needs. At RedClick, we let you pay for what you need by giving you the opportunity to choose the features of car insurance that best suit you. 

Not all drivers have the same car insurance needs. While one person may choose Third Party Only cover, another may choose Comprehensive cover which vary in terms or cover included and price. Additional add-ons might also be taken into consideration such as windscreen cover, breakdown assistance, and adding an additional driver to your cover.

We recommend that you choose the best policy for you. Get a quick quote online now

If you cannot get a car insurance quote online simply contact us to discuss your car insurance requirements.

If you have been unable to obtain a quote for car insurance, you may be able to get help under the Declined Cases Agreement.

This agreement provides access to insurance for persons having difficulty in securing a quote. In order to progress your case under the Declined Cases Agreement you must have been refused a quote by three insurers and received written confirmation of these refusals. Once you have these refusals you can contact the Declined Cases Committee administered by Insurance Ireland at declined@insuranceireland.eu. For more information you can access the Insurance Ireland website.

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.

To take the assessment, download the list of approved assessors and get in touch with your nearest assessor to make the arrangements. Once you’ve completed the assessment, contact us for your motorbike insurance quote and we’ll apply the relevant discount. If you take out the policy, you simply send us the certification received.

We have approved assessors across Ireland, so you should find an assessor which is local to you. If you have already completed an assessment, get in touch with the details to see if you qualify for a discount.

If you're waiting to receive your first learner permit, you must wait until you have the learner permit before you can buy your insurance. You can still get a quote and we can cover you instantly once you have received your licence so you can start learning straight away.

If you have passed your driving test, but have not yet received your full licence, you can purchase your car insurance as a full licence holder or if you already have a policy and have just passed your driving test contact us to review and adjust your policy.

It's important to adhere to the terms and conditions of your driving licence such as;

• having a fully licenced driver in the car with a learner permit driver
• clearly displaying L or N plates where appropriate for newly qualified driver

Yes, each policy has a low standard excess:

• Private car or Taxi: €300 (A €25 excess applies to windscreen replacements. No excess is applied to windscreen repairs). 

Please refer to your schedule of insurance to see if you have chosen a higher excess, which will reduce your premium. Excess options available are: €300, €500 or €750.

• Motorcycle: Policies begining with XB have an excess of €300. Those with GEI have an excess of €250. Please refer to your schedule of insurance to see if you have chosen a higher excess, which will reduce your premium. Excess options available are: €300, €500 or €750.
• Commercial van: €635 for vehicles over two tonne carrying capacity or €275 for vehicles under two tonne carrying capacity.
• Home insurance

- Buildings or contents: €250
- Pedal cycles or all risks: €125
- Escape of water: €500
- Subsidence: €1000

The home policy excesses noted above are our current standard excess amounts. You can select a voluntary excess of: €250, €500, €750 or €1000. These are additional to the standard excess above.

You should check your schedule and policy booklet to confirm what excess will apply to your policy.

Please contact us if you already have modifications or are considering any modifications to your vehicle.

It is important to declare all vehicle modifications when getting motor insurance to ensure you are covered.  Not declaring modifications to your vehicle could impact any claims you make.

Please note that:

• Modifications which affect the performance of the vehicle are more likely to influence the price you pay
• It's important to have all modifications completed at a professional garage.

Where applicable, you must have a valid NCT on your modified vehicle.

To get a motorcycle 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
• Claims
• 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

To get a van 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
• Claims
• 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

Adding a named driver doesn't necessarily reduce the cost of Insurance. Sometimes it can increase depending on the added drivers age, licence type and previous motoring history such as previous claims, existing penalty points etc. Get a quote now or speak with our team directly if you have any questions about adding a named driver to your insurance policy.

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.

Car insurance jargon can be confusing, but we're here to help!

• Step Back Protection: means that if you make a claim you won't lose your entire No Claims Bonus, only part of it
• Full No Claims Bonus Protection: means you will keep your full No Claims Bonus even if you make one claim during the period of insurance cover.

Please refer to your policy schedule to check which cover applies to your policy.  For further information you can also check the policy booklet.

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.

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 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.

YES.  If you have Breakdown Assistance included in your policy you are also covered at your home address, as listed on your policy.

Please check your Policy Schedule to check if you have Breakdown Assistance included in your policy - login to the Customer Portal to check your policy cover.

If you need Breakdown Assistance and it's covered on your policy call 091 560 636.

For full Breakdown Assistance terms and conditions check the policy booklet.

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. 

If you have "Third Party Fire and Theft" or "Comprehensive" cover on your policy, you are covered for loss or damage to the Insured vehicle as a result or theft or attempted theft. 

Please check your policy document for full information and terms and conditions.

Your policy provides the minimum cover you need by law to use the vehicle in:

1. any country which is a member of the European Union; and

2. any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union.

We will automatically extend this to provide your full policy cover (as shown in your schedule of insurance) for these countries for up to 93 days in any one period of insurance.

Please Note, the following cover does not apply while you are using your car abroad;

• Section 6- Breakdown assistance
• Section 7-Driving other cars

For full information please check your policy booklet.

If you are learning to drive in an approved Driving Instructors vehicle then you will not need insurance cover.  

If you are learning to drive in your own or someone else's vehicle then you will need the appropriate car insurance cover, either as a named driver or as a main policy holder, to be able to drive it. 

Need cover - get a quick quote online.

YES. We will extend the cover if you use any trailer which you own, have hired or have borrowed in connection with the vehicle insured.

Refer to the policy booklet for full information and terms and conditions.
 

Under trailer cover you are covered for your Third Party liability arising out of the towing of a trailer or Caravan. 

You must ensure that your licence covers you tow and the weight of the trailer or caravan is within the maximum specified limit for your car.

Check our Policy Document for full information and terms and conditions.

Yes, penalty points can impact your motor insurance. If you don't notify us or omit to include information such as penalty points this could impact your cover and any future claims.

It is important that you notify us:

1. when taking out a new policy by answering all the questions correctly and truthfully, including penalty points, claims etc.
2. if there are any changes to your existing car insurance policy, including incurred penalty points at any stage during the term of your policy

If you already have modifications or are considering modifications (including alloys and towbars) to your vehicle, please contact us. 

All vehicle modifications should be declared when getting motor insurance to ensure you are covered. Not declaring modifications to your vehicle could impact any claims you make.

Returning Home after living abroad? You may still be entitled to a No Claims Discount.

If you held car insurance in Ireland prior to moving abroad and it is within the last 24 months, you may still be entitled to use this earned No Claims Discount on your new policy.

If you were living in UK, EU, USA, Canada, Australia or New Zealand and held a policy in your own name whilst living there, you may be entitled to use the No Claims Discount earned on that policy on your new policy provided there have been no claims, it was earned in the past 24 months and you can provide proof from your previous Insurer.

Please contact us to find out more.

YES.  Car insurance is mandatory in Ireland for all drivers.  You cannot legally drive in Ireland without valid insurance.  Under Irish Law you must have at least Third Party Only cover to drive any propelled vehicle in a public place.  This requirement comes from the Road Traffic Act 1961, which states that drivers must have valid insurance to cover their liability to others.

You must also display your valid car insurance disc on the insured vehicle clearly at all times.

In Ireland there are 3 types of car insurance cover options available:

1. Comprehensive: This is the highest level of car insurance cover available that protects your car + other persons and their car/property in the event of an accident.

2. Third Party Fire & Theft (TPF&T): This is a mid-level type of cover that protects other people and their car/property and gives protection for your car in fire and theft situations only.

3. Third Party Only: this is the minimum level of cover available that only covers damage to someone else's car & property or injuries to other people.

To find out the difference in car insurance benefits that apply to each type of cover go to https://www.redclick.ie/car-insurance/compare-car-insurance 

No matter the type of vehicle you drive, you should have car insurance. Our Car Insurance is also designed to cater for the specific needs of a Hybrid or Electric vehicle.

Our Breakdown assistance which can be selected as an optional add on allows for towing to the nearest charging point in the event that you run out of electrical charge or will take you to the nearest garage for repair in the event of breakdown due mechanical failure. We also provide up to €500 for loss or damage to the electric car charging cable.

Check our Policy Document for full information and terms and conditions.

The minimum age in Ireland and to purchase a RedClick Car Insurance policy is 17 years old.  This includes young drivers on a learner permit being insured in their own name or being added as a named driver. Get a quick car insurance quote online.

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.

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.

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.

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.

Yes, as long as you have the cardholder's permission.

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.

Policies starting with XB

You can pay for your insurance when taking out the policy online or over the phone. Please contact us here for further information.

You can pay the premium in full or by monthly instalments by credit or debit card. 

Policies starting with GEI

You can pay your premium by calling us or by using billpay in any post office.

You can also make a payment online. Please see below: 

• Pay for a quote
• Pay for your renewal
• Pay for a missed direct debit
• Pay for changes made to your policy

Paying for changes to your policy depends on the payment method you chose at the time you purchased your policy.

If you have chosen the pay in full option, any later changes made to your policy will be due for payment at the time of the change. If you have chosen the monthly instalment option, any additional premium will be spread over your remaining instalments.

We'll send you your renewal quote about 30 days before your renewal date. It's very important that you carefully read your renewal information and let us know about any changes that could affect your policy.

Did you know you can now pay for your renewal online?

Policies starting with XB

There's no need for you to do anything. We'll automatically renew your policy and send you your new policy documents once we have received your payment. You can pay for your renewal on the Customer Portal.

You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.

If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.

You can find more information in the ‘Consumers’ section of the Competition and Consumer Protection Commission website.

Policies starting with GEI

If you currently pay for your policy on a monthly basis, there's no need for you to do anything. We'll automatically renew your policy and apply for your monthly direct debits as normal. We'll send your new policy documents once we have received your payment.

You have the right to cancel the automatic renewal of your policy. You can advise us by phone or by email. Please contact us here at any time during the policy if you do not wish to automatically renew.

If you cancel the automatic renewal of the policy, your cover will cease at the renewal date unless you advise us to renew the policy before the renewal date.

You can find more information in the ‘Consumers’ section of the Competition and Consumer Protection Commission website.

This will be the case if you made a change to your insurance policy during the year, e.g., a change of vehicle, addition of a driver, change of address, etc.

By law, we have to include the ‘last year’s annual premium’ on your documents which must show the annual premium you would have paid if the change you made to your policy during the year had been in place from the beginning of the policy term (12 months).

This is a requirement of the Provision of Information Regulations Amendment 2018.

This "last year’s annual premium" figure doesn't include any fees or charges that were/may have been applied to the mid-term change of details you made.  

Check all the details on your renewal notice to make sure they're correct and that you have all relevant discounts included. You should review things like cover type and any optional extras.

Our renewals team will be happy to go through all the details with you. You can contact us here.

It is important to ensure you renew your car insurance policy in advance of it's renewal/expiry date to ensure you remain covered. If you do not renew your policy before the policy expiry date you may not have cover in place.

To discuss your RedClick policy renewal please call us on 01 553 4040 (Monday - Friday 9am to 6pm) or chat to us online at www.redclick.ie.

Car Insurance prices can vary depending on many factors such as: 

1. Rising costs for repairs - including labour and materials
2. Inflation
3. Claims history
4. Penalty points incurred
5. Vehicle age and increased mileage
4. or any other policy cover changes you make

If you would like to discuss your renewal please contact us.  You can also check our Policy Document for full information and terms and conditions.

The calculation of a premium is the result of a complex interaction between many rating factors. Even though there doesn't appear to be any change in individual circumstances from the time of the previous renewal, some of the ratings change merely through the passing of time (e.g., the age of the policyholder and vehicle) and these factors can contribute to an increase in the premium. There may also have been changes in our approach to pricing the various risk factors or the introduction of a new pricing risk factor, which may then apply to your individual circumstances.

As a concept, insurance works by pooling the funds of many to pay for the claims of a few. Every customer contributes their premium to a larger fund from which we as insurers are able to compensate a customer who has a valid claim, e.g., vehicle damage or an injury to a third party. Therefore, increases in the costs of the total costs of claims and/or the increases in the total number of claims will have a knock-on effect on the overall pool and will result in higher premiums.

Please find below a list of the types of factors – both customer-specific and general – which are most likely to be relevant in explaining any increase in your premium.

Customer-Specific Factors

Some of the customer-specific rating factors which lead to a change in risk and/or our view of that risk are:

Age of Vehicle

The risk changes every year as the vehicle itself is now a year older, potentially putting it into a different rating category.

Type of Vehicle

You may have changed your vehicle in the past year, again potentially putting it into a different rating category. The make and model, engine capacity, weight, fuel type, transmission, safety features and the cost of repairs are among the relevant factors. Also, based on the most recent analysis of claims, pricing models are regularly reviewed and this may result in changes in our approach to pricing various risk factors or introducing new pricing risk factors, which may then apply to you. An example of this would be using fuel type or transmission as a rating factor for the first time. So, ratings may change from being based on engine size/cubic capacity (CC) to brake horse power (BHP) as our view of vehicle technology and engines evolve with the car market.

Named Drivers/“Open Driving”

Any change in the number or circumstances of the drivers named on your policy may affect your premium. Certain driving options like “Open Driving” may result in an increased premium due to the risk associated with such driving options.

Age of Driver

The risk actually changes every year as the drivers are now a year older, potentially putting him/her into a different rating category. Your experience and that of the drivers who may drive your car is one of the main rating factors used by insurers. Statistics show that younger, less experienced drivers are a higher risk (more likely to be involved in accidents and make claims). More experienced drivers will benefit from lower premiums; however, at a point the risk starts to increase again and this is reflected in the pricing of motor insurance. Also, the type of driving licence you hold and the number of years for which it has been held is an indicator of an individual’s driving experience and this is often reflected in your premium as a rating factor.

Location of Risk

The area you live or work in may have a bearing on the cost of your motor insurance. Normally, in areas where the risk of accidents is greater (typically more urban and densely populated areas), you’ll pay more. The same applies if you live somewhere which has high levels of vehicle crime. Insurers may assess each address individually or at an overall county level, looking at claims, traffic, theft and malicious damage statistics together with the frequency of accidents in that area. More accidents tend to result in more claims, so it could cost more to insure vehicles in those areas. Again, we continuously review and analyse relevant data so that even if you have not changed address, our view of this risk factor may have altered since your last renewal.

Occupation

If you use your car for business purposes, you're likely to pay more for cover as you’ll be driving more when the roads are busy. Your annual mileage may also be an important consideration. After all, the more you drive, the more likely you are to be involved in an accident. Also, the nature of your journeys could affect your price. For example, if you use your car to commute to work when traffic is busy, insuring your car may cost more than if you only used your car socially. Again, we continuously review and analyse relevant data so that even if you have not changed job, our view of this risk factor may have altered since your last renewal.

Mid-Term Amendments

If you made a change to the policy during the year (particularly if made towards the end of the term), this is possibly affecting your premium this year. Any mid-term changes will have been charged on a pro-rata basis until renewal, but the new renewal price will have been calculated using the new policy details for a full 12 months.

Loss of No Claims Discount (NCD)

This would be as a result of claim(s) submitted/processed within the past 12 months.

Claims and Convictions

A loading may have been applied to your policy due to the number or severity of claims and/or convictions incurred by you or any person who will drive your vehicle. Claims within the last five years can still affect the premium and multiple claims will attract a higher loading, particularly for the same cause.

Penalty Points

You or any person who will drive the vehicle may have incurred Penalty Points, therefore impacting on the premium.

Payment Method

The payment method used by you may have caused an increase in your premium. For example, if you choose to pay by direct debit, an annual percentage rate may apply.

Regulatory changes

Your renewal premium may also be impacted by new Central Bank regulations effective from July 1st, 2022, which has introduced a ban on price walking (see definition below). This means that, from that date, insurers cannot charge consumers, who are on their second or subsequent renewal with the same insurer, a premium higher than they would charge an equivalent first renewal customer. We have amended our rating to be compliant with these regulations.

Central Bank definition: Price walking is where you are charged a higher premium the longer you remain with your insurer, and for no reason other than staying with the same provider

External Factors

External factors are those costs which affect the cost and number of the claims we have to pay. The cost of paying claims is the single largest factor which contributes to your premium. Given that the cost of claims is the most significant cost associated with insurance, it's vital that insurers set premiums which are sufficient to meet these costs so the business is sustainable and that we are there to pay claims for our customers in the long term.

The main components of the total cost of claims are:

• The size of awards for injury claims and medical inflation.
• Legal costs associated with handling claims.
• Cost of parts.
• Labour for repairs.

We hope that you find this information useful. However, if you believe that you require more information in relation to the price of your premium renewal, you can contact us here.

• Make a payment
• Renew online
• Change your vehicle details
• Add a driver
• Change your registration number
• Change your contact details

If your policy begins with XB

Contact us to make changes to your policy.

If your policy begins with GEI

You can make the following changes online for: 

• Make a payment
• Renew online
• Change your vehicle details
• Add a driver
• Change your registration number
• Change your contact details

For all other changes, please contact us here.

Adding a named driver doesn't necessarily reduce the cost of Insurance. Sometimes it can increase depending on the added drivers age, licence type and previous motoring history such as previous claims, existing penalty points etc. Get a quote now or speak with our team directly if you have any questions about adding a named driver to your insurance policy.

Paying for changes to your policy depends on the payment method you chose at the time you purchased your policy.

If you have chosen the pay in full option, any later changes made to your policy will be due for payment at the time of the change. If you have chosen the monthly instalment option, any additional premium will be spread over your remaining instalments.

Car, taxi, van or motorcycle

To cancel your policy, you can notify us at any time by contacting us by phone or in writing. You have a legal obligation to return your Certificate of Insurance and disc if applicable. You can find our contact details here.

If you want to cancel your policy within the first 14 working days, we'll refund your premium for any period of insurance remaining. If you cancel your policy at any point thereafter, we'll refund your premium for any period of insurance remaining less an administration fee. Terms and conditions apply to cancellations, so please refer to your policy booklet. Details of how we calculate refunds can be found in your policy booklet. If you've made a claim on the policy, no refund will be due.

Home

If you want to cancel your policy within the first 14 days, we'll refund your premium for any period of insurance remaining. If you cancel your policy in the first year of insurance after the first 14 days, we'll work out your refund based on our cancellation rates as shown in the policy booklet. If your policy is cancelled at any other time, we'll refund your premium for any period of insurance remaining, less an administration fee of €25. Details of how we calculate refunds can be found in your policy booklet. If you've made a claim on the policy, no refund will be due.

YES. When you purchase a new policy you have 14 days to cancel your policy without incurring any fees. If you cancel your policy after that period and before your renewal is due you may incur a charge.

To learn more about cancellation and penalties please check your policy booklet.

YES. When you purchase a new policy you have 14 days to cancel your policy without incurring any extra fees or charges. 

If you cancel your policy after that period and before your renewal is due, you may incur fees.

To know more about cancellation, fees and charges please check your policy booklet.

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.

you can temporarily change your vehicle online or call us on 01 553 4040

If you have recently changed your bank you will need to share the new IBAN with us. This will ensure your payments are received in a timely manner and that there's no impact to your policy. Simply complete this secure form and we will confirm once the details have been updated: Updating your payment details form.

To update your payment information relating to your policy, including your debit/credit card details, please give us a call and a member of our team will be happy to support you. Visit our contact us page for details

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. 

If you would like to pay an outstanding balance on your policy, please call us to do so. You can contact us here. 

Policies starting with XB

For help, to log on to your Customer Portal you can find all the information in FAQs.

Policies starting with GEI

To access the Documents Portal, you will need the following information: 

•    Your email address that was used when you purchased your policy. 
•    Your policy reference number (this begins with GEI).

Once you’ve entered these details, a one time password (OTP) will be sent to your email address. This will contain a password which you should copy and enter on the portal.

This password is valid for 30 minutes, to help protect your personal information.

If you change car Insurance you will retain the No Claims Bonus that you have earned provided you have not had any claims. 

If you do not yet have a full (5+ years) No claims Bonus and you change your car insurance provider mid year you will only retain the full years earned.

Check our Policy Document for full information and terms and conditions.

YES. When you purchase a new policy you have 14 days to cancel your policy without incurring any fees. If you cancel your policy after that period and before your renewal is due you may incur a charge.

To learn more about cancellation and penalties please check your policy booklet.

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.

you can temporarily change your vehicle online or call us on 01 553 4040

Please refer to your Certificate of Insurance for details on those who are named on your policy and can drive your vehicle. If you have opted for open drive, any driver between the ages of 25-70 with a full Irish or EU licence and who is claim, conviction, and penalty point free will be covered. Open drive is not available on motorcycle or taxi/hackney insurance. 

More information is available in our policy booklets:

Car insurance policy booklet

Taxi policy booklet

Van insurance policy booklet

Motorcycle insurance policy booklet

Once you buy your policy, you'll need to provide us with proof of your Named Driving Experience. To do this, you'll need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim free.

We cannot accept a Certificate of Insurance, proposal form, or Insurance Schedule of Insurance as proof of your Named Driving Experience.

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

If you earned your Named Driving Experience with RedClick under a previous policy, please contact us to advise.

We're sorry to hear you have experienced a bereavement. We're here to help make things a little bit easier at this difficult time.

We know that every situation is unique so please contact us by webchat, email, phone or letter and we'll try to help.

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.

NO. Windscreen cover claims will not affect your No Claims Bonus regardless of whether it's step-back or fully protected.

Check your Policy Schedule to ensure you have Windscreen cover.  

If you need Windscreen Repair call 1800 944 435.

This depends on your cover.

• If you have Step Back Protection, this means if you make a claim you won't lose your entire No Claims Bonus, only part of it.
• If you have Full No Claims Bonus Protection, this means you will keep your No Claims Bonus even if you make one claim during the period of insurance cover.

Please refer to your policy schedule to check which cover applies to your policy.  For further information you can also check the policy booklet.

This is a stressful situation to be in. What's covered will depend on the cover you selected that is outlined on your Policy Schedule. If you have had an accident, it is important that you talk to our claims team as soon as possible where they will be able to assist you.

To check your insurance cover details and Policy Schedule Login to the Customer Portal.

You can also check our blog with safety advice on what to do if you have a car accident: https://www.redclick.ie/content-hub/what-do-if-you-have-car-accident  

This is a stressful situation to be in. What's covered will depend on the cover you selected that is outlined on your Policy Schedule. If you have had an accident, it is important that you talk to our claims team as soon as possible where they will be able to assist you.

To check your insurance cover details and Policy Schedule Login to the Customer Portal.

You can also check our blog with safety advice on what to do if you have a car accident: https://www.redclick.ie/content-hub/what-do-if-you-have-car-accident  

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.

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.

YES.  You can add a learner driver to your RedClick car insurance policy at any time and it could affect your premium. Please call us on 01 553 4040 to add a learner driver to your policy or for a new policy quote get a quote online.

It is important to note that when the Learner driver is added to a policy that the learner driver is accompanied by a fully licenced driver at all times when driving on the road.

Adding a named driver doesn't necessarily reduce the cost of Insurance. Sometimes it can increase depending on the added drivers age, licence type and previous motoring history such as previous claims, existing penalty points etc. Get a quote now or speak with our team directly if you have any questions about adding a named driver to your insurance policy.

If you are learning to drive in an approved Driving Instructors vehicle then you will not need insurance cover.  

If you are learning to drive in your own or someone else's vehicle then you will need the appropriate car insurance cover, either as a named driver or as a main policy holder, to be able to drive it. 

Need cover - get a quick quote online.

While cheap car insurance might sound appealing, it's not always the right option based on your needs. At RedClick, we let you pay for what you need by giving you the opportunity to choose the features of car insurance that best suit you. 

Not all drivers have the same car insurance needs. While one person may choose Third Party Only cover, another may choose Comprehensive cover which vary in terms or cover included and price. Additional add-ons might also be taken into consideration such as windscreen cover, breakdown assistance, and adding an additional driver to your cover.

We recommend that you choose the best policy for you. Get a quick quote online now

This is a discount we offer if you haven't had a policy in your own name before, but have been a named driver on someone else's policy without any claims:

• It works in the same way as a No Claims Bonus, so you get a discount on your premium for your experience.
• To get the discount you must have been named on a private car.
• The end date of the most recent named driving period must be within the last 24 months.
• It must be at least one year, and each year must be a full 12 months.
• This means there must be no more than 24 months in between driving periods and no more than 24 months since you have last been named on a policy.
• For van insurance, you must have been named on a commercial van or truck policy.
• If you qualify for the discount, you'll need to send us proof (a letter from the previous insurance company) once you start your policy.
• Please note that Named Driver Experience earned on a Motorbike, Motor trade or fleet policies cannot be used on a Private Motor policy.

My Named Driving Experience is on a company car, is this accepted?

We accept a named driving discount for company cars as long as the car was specifically for your own use.

If you still work for the company and have the sole use of a car, we cannot accept this company's Car Driving experience.

You will need to provide a letter from the insurance company saying you were named on the policy and there were no claims.

If you were not named on the company policy, you need to provide:

Proof from the company who owned the car that you were the only driver of the car.

Proof from the insurance company or broker that there were no claims.

What if my Named Driving Experience is from outside ROI?

If your Named Driving Experience 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.

Once we receive proof of your named driving experience, 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 named driving experience 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 named driving experience. To do this, you will need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim-free.

We cannot accept a Certificate of Insurance, proposal form, or Insurance Schedule of Insurance as proof of your named driving experience.

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

If you earned your Named Driving Experience with RedClick under a previous policy, please contact us to advise.

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.