Comprehensive Car Insurance

Custom-built cover, fast claims and save up to €300 when you quote online*.

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*Online discount applies to new private car policies only. Maximum online discount is €300. Subject to minimum premium. Applied before optional covers. Acceptance criteria, terms and conditions apply.

What is Comprehensive car insurance?

Comprehensive car insurance will give you greater coverage than a Third Party or a Third Party, Fire & Theft policy. In addition to covering damage to third parties (other cars on the road), your car will also be covered for loss or damage caused by fire, theft or attempted theft. Including damage or loss caused to your car in an accident (subject to the terms and conditions of the policy).

You can also benefit from a variety of extras and additional cover as summarised below. You can find the full meaning of Comprehensive car insurance and a more detailed explanation of each item on our car insurance features and benefits page and, for a quick reference, look at the comparison table below.

Car insurance features and benefits

Comprehensive cover and new cars

Purchasing a brand-new car is a big deal, and Comprehensive insurance provides the kind of cover that protects your investment and delivers peace of mind.

At RedClick, our Comprehensive car insurance covers everything from fire and theft to accident recovery and total loss. You also have the option of choosing No Claims Discount Protection, Breakdown Assistance and the cover for driving other cars.

Is Comprehensive car insurance necessary?

Comprehensive car insurance provides additional benefits as compared to a Third Party Only and Third Party, Fire and Theft insurance. Comprehensive car insurance can help cover the cost of repairing or replacing your car if it gets damaged. See our table below to compare Comprehensive Cover to Third Party Fire & Theft Cover and Third Party Only Cover.

People often ask why they should have Comprehensive car insurance? Simply put, Comprehensive car insurance gives you complete peace of mind because you, your car and other road users are all protected with this policy.

Third-party liability cover provides the minimum cover required by law. RedClick car insurance, for instance, covers third-party property damage as a result of an insured loss up to €30 million and unlimited cover for third-party personal injury.

Car Policy Features and Benefits

We don´t just offer you affordable car insurance, we also ensure that you get great cover along with many additional benefits as part of your motor insurance.

	THIRD PARTY ONLY	THIRD PARTY, FIRE AND THEFT	COMPREHENSIVE
Third Party Liability Read more Third-party liability cover provides the minimum cover required by law. RedClick car insurance covers third party property damage as a result of an insured loss up to €30 million and unlimited cover for third party personal injury.	Y	Y	Y
Legal Costs Read more We will pay for the following legal costs related to an event which is covered under the Liability to Others section: a) Fees for a solicitor we appoint to represent you at a coroner’s inquest or fatal accident enquiry. b) Fees for legal representatives that we ask to defend you against a charge of manslaughter or causing death by careless or dangerous driving, if we decide there is a reasonable chance of success.	Y	Y	Y
Foreign Use Read more Our car insurance provides the minimum cover you need by law to drive your car in any EU country or 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 cover to provide your full policy cover (as shown in the schedule) for these countries, for up to 93 days in any one period of insurance. If you need cover for longer or you want to travel to any other country you must contact us before you travel. The following cover does not apply while you are using your car abroad: • Driving other cars. • Breakdown assistance. We have appointed claims representatives available abroad who will assist you with your claim. You will find their details on https://www.dekra-claims-services.com For further information, please refer to the policy booklet.	Y	Y	Y
Claims Handler	Y	Y	Y
Monthly Payment Plan	Y	Y	Y
Fire	X	Y	Y
Theft	X	Y	Y
Total Loss	X	Y	Y
Accident Recovery Read more We will also pay the reasonable cost of protecting the vehicle and moving it to the nearest repairer if, as a result of any loss or damage insured under this section, the vehicle cannot be driven. We will pay storage fees up to a maximum cost of €300. We will pay the reasonable cost of delivering it to you after the repair. However, we will not pay more than the reasonable cost of transporting it to your address, as shown in the schedule of insurance.	X	Y	Y
Fire Brigade Charges Read more We will pay for local authority fire brigade charges for putting out a fire in your vehicle or for removing the driver or passengers from the vehicle using cutting equipment, up to a limit of €2,200.	X	Y	Y
New Car Replacement Read more If within 12 months of having bought a vehicle as new, it is severely damaged or stolen, we will replace it with a new vehicle of the same make and model. New car replacement covers you if you are within 12 months of purchasing a vehicle as new and: a) The car is damaged and the cost of repairs are more than 60% of the manufacturer's list price including taxes, or b) The car is stolen and not recovered. For further information, please refer to the policy booklet.	X	Y	Y
Radio/Audio/Navigation Cover Read more Cover for radio, audio & navigation equipment is provided up to 5% of the current market value of the vehicle before the loss happened or €635, whichever is lower. Loss of or damage to the following equipment is covered if it is permanently fixed to the vehicle: • Radio-receiving or transmitting equipment. • Taxi meter. • Audio equipment. • Electronic navigation equipment. The policy does not cover the loss of or damage to mobile phones and their accessories or spare parts.	X	Y	Y
Own Damage	X	X	Y
Hotel Expenses	X	X	Y
Hire Car for Theft Read more If your vehicle is stolen and is not recovered within 24 hours we will provide a replacement car hire for up to five days or until the vehicle is recovered whichever is sooner. For further information, please refer to the policy booklet.	X	X	Y
Medical Expenses Read more We will pay for medical expenses up to €135 for each person injured if the vehicle is involved in an accident, as long as there is no cover in force under another motor insurance policy.	X	X	Y
Courtesy Car Read more If your vehicle is involved in an accident and is repairable, you will be provided with a courtesy car for up to ten days while your vehicle is being repaired by one of our recommended repairers. For further information, please refer to the policy booklet.	X	X	Y
Windscreen Cover Read more The cover you need for those unavoidable windscreen damages, giving you peace of mind with RedClick windscreen cover. We will pay the full cost of repairing or the cost of replacing (less the excess) damaged or broken glass in the windscreen or windows of the vehicle, as long as there has not been any other loss or damage. Claims for windscreen damages will not affect your No Claims Bonus. Windscreen cover is standard under our Comprehensive Package. If you have purchased a Third Party Only Package or Third Party, Fire and Theft Package, this benefit is available for an extra premium. For further information, please refer to the policy booklet.	Optional	Optional	Y
Breakdown Assistance Read more Our 24-hour breakdown cover provides 24-hour roadside assistance, including home start 365 days a year. Breakdown assistance includes: • Mechanical breakdown. • Flat battery. • Fire. • Attempted theft. • Malicious damage. • Punctures. • Lost keys, stolen keys, keys broken in the lock or locked in the vehicle. *Breakdown assistance covers three call-outs maximum per year. For further information, please refer to the policy booklet.	Optional	Optional	Optional
Driving Other Cars Read more RedClick provides optional cover for driving other cars. If chosen, we will cover you (the policyholder) to drive any other private car which you do not own or have not hired. Please see your policy booklet for full terms and conditions.	Optional	Optional	Optional
No Claims Discount Protection Read more Once you have four or more years No Claims Bonus you can pay an extra premium to protect it. You will keep your car insurance No Claims Discount as long as no more than one fault claim arises during any one period of insurance. Although you can protect your No Claims Bonus, your premium may still be affected by any claims we pay.	Optional	Optional	Optional
Personal Accident Read more In the most serious situations, you want to be sure you have the best cover in place. That is why we will cover the policyholder for death and certain disabilities following an accident involving the insured car up to €6,500. Our personal accident cover will pay the policyholder or their legal representative €6,500/£5,000 if the policyholder is accidentally injured while travelling in or getting into or out of the insured vehicle and within three months this injury alone results in death, permanent loss of sight in one or both eyes or loss of one or more limbs. The most we will pay in any one period of insurance is €6,500. We will not pay this benefit for any injury or death resulting from suicide or attempted suicide or anyone who is convicted for driving while under the influence of drink or drugs at the time of the accident. For further information, please refer to the policy booklet.	Optional	Optional	Optional
Loss of Keys Read more If the car keys or lock transmitter of the vehicle are lost or stolen, we will pay up to €850 for replacing the door and boot locks, the ignition and steering lock and the lock transmitter, as long as we are satisfied that the person who may have your keys or transmitter knows where the vehicle is. Claims for loss of keys will not affect your No Claims Bonus. For further information, please refer to the policy booklet.	Optional	Optional	Optional
Open Drive Read more Open driving provides cover for other drivers to use your vehicle if they meet the following requirements: • The driver is between the ages of 25 and 70, inclusive. • The driver has your consent or on your instruction as the policyholder. • The driver holds a full Irish, UK or EU driving license. • The driver has not had any accidents, claims, convictions or penalty points in the last three years.	Optional	Optional	Optional
Excess Options Read more You can reduce your insurance premium by increasing the excess on your policy. The standard excess on RedClick car insurance policies is €300. This excess is what you pay if a claim is made on your policy, before your insurer would make any payment.	X	Optional	Optional

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Read our frequently asked questions on Comprehensive car insurance

What is the difference between Third Party and fully Comprehensive?

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.

What is the meaning of fully Comprehensive?

Do you offer a No Claims Discount on the policy?

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.

Get our Car Insurance Policy Booklet

Car Insurance Policy Booklet for New Policies from 25th July and Renewals from 1st September 2025

PDF (481.34 kb)

Car Insurance Policy Booklet

PDF (481.34 kb)