Generali Seguros, the parent company of RedClick in Ireland, is planning to merge with another Generali group company, Generali España. This is an internal legal change within the Generali Group.

No. Your policy, its terms and conditions, and your cover remain exactly the same. There is no impact on your insurance with RedClick.

No action is required from you. This update is for your information only.

Yes. RedClick will continue to be your insurer and your point of contact for all policy matters.

Yes. RedClick continues to be regulated by the Central Bank of Ireland for consumer protection rules.

No. Your personal data will not be transferred as part of this merger.

No. Your claim is unaffected by this internal legal change.

This merger took effect in November 2025, as approved by the Spanish Supervisory Authority.

Following the merger in November 2025, the full legal name of the insurer is Generali España de Seguros y Reaseguros, S.A. However, you will continue to know us as RedClick.

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

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

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

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

Yes. You can continue to reach us via:

• Webchat: www.redclick.ie
• Email: info@redclick.ie
• Phone: 01 553 4040
• Post: 5 Town Hall Place, Farnham Street, Cavan, Co. Cavan, H12V9F5

If you have further questions, feel free to contact our customer service team using any of the methods above.

The data controller of your personal data remains the same but will be named Generali España de Seguros y Reaseguros, S.A. (which is the newly merged Generali company).

• More information is available in the privacy section of our website: https://www.redclick.ie/privacy-policy-and-general-data-protection-regulation
• Or by visiting our site www.redclick.ie and scrolling to the bottom and clicking GDPR

Returning customer (accessed the Customer Portal before)

If you're a returning customer, you can now choose SMS as an alternative to the Authenticator App:

• Go to https://account.redclick.ie
• Enter your email and password
• Enter the verification code from your Authenticator App
• Choose Yes when asked if you'd like to use SMS
• Enter your mobile number and the code will be sent via SMS

New customer (never accessed the Customer Portal before)

• Visit https://account.redclick.ie
• Click “Sign up now”
• Enter your email, create a password, and input your policy number and effective date
• Accept the Terms and Conditions
• To activate your account, click the link in the email we sent you
• You can now verify your identity via SMS

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.

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. 

Yes – there are 600 e-dublinbikes available for an even easier way to get around the city. An additional subscription is required. See www.dublinbikes.ie for more information. You can see the availability of regular bikes and e-dublinbikes on the RedClick dublinbikes app.

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

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

No, the passcode can only be sent by SMS.  If you don’t have a Republic of Ireland mobile phone number or if you need to update your phone number, please call us on 01 553 4040.

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. 

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

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.

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

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.

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.

All our documents can be issued in digital (email and PDF) or physical (paper) versions. 

We usually send document by email, or directly to your online Customer Portal, unless you ask for paper copies. 

If you prefer to receive your documents in paper format, just contact us and we can provide existing documents and ensure new documents are issued to you in paper format.

Yes. To ensure the security of your policy, we only deal with the policyholder. However, we know that from time to time, a policy holder may like to set up a nominated contact.

• To nominate a contact, the policyholder must provide consent. The nominated contact can be a spouse or trusted family member or friend.
• To give consent, the policyholder must contact us, expressing their wishes for us to discuss their policy with the new contact.
• The policyholder can contact us by email, webchat, phone or letter.

Yes, you can choose to continue using it instead of SMS. If you prefer SMS, you can switch during login.

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.

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! RedClick insurance policy holders can avail of a discount of €5 off a new annual subscription with RedClick dublinbikes. This means instead of paying €35 you pay just €30 for the year. 

This is for new users of the RedClick dublinbikes scheme and does not apply to existing users of RedClick dublinbikes. 

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

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

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

Anyone who lives in or visits Dublin can use the bikes. You can register for a 1 day, 3-days or an annual subscription. Going to a GAA match? Why not take a bike. Visiting the National Museum, cycling could be the best option for you.

While we encourage all users of the RedClick dublinbikes to be a safe road user and wear a helmet, along with high visibility clothing like a hi-vis jacket, it is not mandatory to wear a helmet.

YES. Under current legislation, insurers and brokers cannot issue a policy to anyone who does not provide their driver number. Likewise, if a named driver cannot supply their driver number, they must be removed from the policy. The policyholder or prospective policyholder is legally required to provide their own driver number, as well as the driver numbers of all named drivers. This requirement applies equally when taking out a new 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.

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.

Car

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

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

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

In Ireland and Northern Ireland:

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

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

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

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

Motorcycle

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

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

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

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

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

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

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

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

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

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.

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

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

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

Customers with licences issued in Ireland

• Online: use our handy online form at https://www.redclick.ie/policy-management/add-driver-number 
• Email: send the driver number for all drivers noted on your policy to drivinglicence@redclick.ie
• Post: Send the driver number for all drivers noted on your policy to: RedClick, 5 Town Hall Place, Farnham Street, Cavan, H12 V9F5
• Phone: you can call us on 01 553 4040

Customers with licences issued outside Ireland

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

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

If your policy begins with GEI you can access the Documents Portal by following these simple steps:

1. Go to https://www.documentation.redclick.ie
2. Enter the email address and policy number associated with your policy number
3. A onetime passcode will be sent to the mobile phone number associated with your policy
4. Enter this passcode to view your policy documents

If you have any queries, please call us on 01 553 4040

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.

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.

No Claims Bonus is a system insurer used to reward drivers who have a good claims history. Drivers are awarded a discount in line with the number of No Claims Bonus years they have.

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.

All RedClick customers, who are opted in for marketing communications, will receive a code to activate their reduced price RedClick dublinbikes subscription. 

• Copy the code – it will be something like “Click1”
• Download the RedClick dublinbikes app or visit www.dublinbikes.ie 
• Sign up for a new subscription
• Paste or type the code when prompted in the app or on the website

The best experience is available on the app where you can also see the number of bikes and e-bikes available as well as where there are stands available to return RedClick dublinbikes.

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

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

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

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.

If you need to make a claim on you home insurance policy, please contact us here. 

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

To get a copy of your house indemnity please contact us and we'll be happy to help you.

Please contact us to request a duplicate Certificate of Insurance or login to the Customer Portal to view and download from your policy documents.

You can sign up for a subscription of your choice on the RedClick dublinbikesapp (simply search RedClick dublinbikes), or at www.dublinbikes.ie.  

• You need to add your payment details to access the scheme. 
• You can purchase a one-day ticket for €3.50, a 3-day ticket for €5 or an annual ticket for €35. 
• The first 30 minutes of every journey is free, thereafter, charges apply. Currently, 96% of journeys are under 30 minutes. 

More information is available on the RedClick dublinbikes app or at www.dublinbikes.ie. 

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

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

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.

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.

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

At Generali we believe sustainability is a necessary strategic way to approach business. Our aim is to deliver a social, environmental and stakeholder impact for a sustainable transformation by integrating even more sustainability in core business and processes, including our commitment in the community as an integral part of the overall strategic positioning. Generali identifies four responsible roles to play as investor, insurer, employer and corporate citizen.

Responsible investor: reducing greenhouse gas (GHG) emissions from investment portfolio, and increasing new and green sustainable investments. 

Responsible insurer: providing insurance solutions with ESG components, reducing greenhouse gas emissions from the underwriting portfolio, and supporting the sustainable transition of small and medium-sized enterprises (SMEs)

Responsible Employer: We carry out dedicated actions to foster and promote diversity, equity, and inclusion in our work environment, continuously upskilling our people, nurturing talent in all its forms, and implementing more flexible and sustainable ways of working. 

Responsible Corporate Citizen: We act to unlock the potential of people living in vulnerable circumstances through the global initiatives of The Human Safety Net Foundation.

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

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

If you are still unable to access the portal, or your email address has changed, please contact us.
If there’s a system outage, we apologise. Please try and access the Documents Portal again in a short time.

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

Make sure your password:

• Is at least 8 characters
• Includes 3 of the following: uppercase letters, lowercase letters, numbers or special characters
• Matches in both fields

If you are experiencing problems at the RedClick dublinbikes station or with bikes, you can call us on 0818 77 70 70 or email contactus@dublinbikes.ie 

If you are experiencing difficulties with the app or website, you can call us on 0818 77 70 70 or email contactus@dublinbikes.ie 

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.

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

Email: mailto:feedback@redclick.ie

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

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

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

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

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.

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.

Your Renewal Quote is attached to the email we sent you.

You can also contact us via:

• Webchat – www.redclick.ie
• Email – RedClickPersonalSales@redclick.ie
• Phone – 01 553 4040 

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.

Click “Forgot your Password” on the login page and follow the instructions to reset it.

Yes! If you have previously had a 1- or 3-day subscription you can avail of the discount on your new annual subscription.

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

Double-check:

• Your email matches the one used during purchase
• Your policy number and effective date are correct
• You’ve entered the SMS code correctly

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

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, van, or motorcycle

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

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

You can request this by contacting us.

The data controller of your personal data remains the same and is now named Generali España de Seguros y Reaseguros, S.A. (acting through its Irish Branch). We will share your data with our group of undertakings (the Generali Group), which includes the Spanish insurance company Generali España de Seguros y Reaseguros, S.A., for internal administrative purposes, compliance with supervisory obligations and structural modification of companies. The remaining data protection information, including the information regarding the possibility of exercising the data protection rights foreseen in the data protection regulations, continues to be available on the insurers’ websites. The privacy information may change from time to time, so we advise you to periodically check the Privacy Notices.

Yes, each policy has a low standard excess:

Home insurance
- Buildings or contents: €250
- Pedal cycles or all risks: €125
- Escape of water: €500
- Subsidence: €1,000

The home policy excesses noted above are our current standard excess amounts. You can select a voluntary excess of: €250, €500, €750 or €1,000. 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.

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.

Home

Yes, RedClick insure your home contents on a new‑for‑old basis. This means that if you make a valid claim, we will repair, replace, or pay the full cost of replacing the damaged or stolen item with a brand‑new equivalent item. We won’t deduct anything for wear and tear.

The Green Card applies to all motor insurers.  

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.

The one-time password is valid for 30 minutes. If this time has passed, you can request a new one through the Documents Portal. If you are still unable to access the portal, please contact us.

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.

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.  

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

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

RedClick Club Terms & Conditions

Full RedClick Club Terms and Conditions are available here.

General Terms and Conditions

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

Reward Offers & Discounts Terms and Conditions

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

11. The Promoter reserves the right to amend, suspend or terminate the Promotion at any time. The promoter does not accept any responsibility or liability whatsoever for:

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

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

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

RedClick dublinbikes are a publicly available bike-sharing scheme run by Dublin City Council and JCDecaux. Anyone can register for an account, pay the fee, and have access to any of the 1,600 RedClick dublinbikes available from over 115 bike stations across the city of Dublin.

Our contents insurance provides cover for valuables such as jewellery, precious metals, watches, photographic equipment, works of art, antiques, furs, musical instruments, and collections of stamps, coins, medals or curios.

Any individual item worth more than €3,000 must be listed separately on your home insurance policy.

• If you only need cover for these items while they’re in your home, you can list them as High Value Items.
• If you would like the cover to extend to outside the home, the item must be specified as an All Risks Item.

Full details are available in our policy booklet.

Read our article on tips for storing, insuring and cleaning your jewellery.

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/ 

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.

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.

You must provide your driver number and the driver numbers of anyone named on your motor insurance policy to comply with the new legislation. For licences issued in Ireland, the driver number is located under Section 4D on your licence. 

For licences issued outside of Ireland, we will need a copy of the licence sent to us. Further information is available at “How can I provide this information to RedClick?”

As part of this change, we are required to securely hold your driver number on file and share it with relevant authorities, including the Irish Motor Insurance Database. This ensures compliance with the law, helps Gardaí detect uninsured drivers, and contributes to safer, fairer roads for everyone.

If a named driver cannot provide their driver number, they will need to be removed from the policy to ensure your coverage remains valid.

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.

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.

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.

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

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

You cannot renew your learner permit a third time unless you have a driving test scheduled or have been unsuccessful in the driving test in the previous 2 years. In this case, you will have to re-sit your theory test and apply for a new learner permit so please take action now. You can find more information on the 'Manage your learner permit' section of the RSA website. Contact the RSA and book a driving test so that you can renew your learner permit and carry it with you when you drive. It is important to act now, so you are not left without insurance cover when the new law comes into effect.

Since Brexit, you can no longer drive on your UK licence if you live in Ireland. In this case, you should exchange your driving licence immediately. You must surrender your UK licence in this case and the NDLS will issue you with a receipt while the exchange process takes place. Once again, this will take time, so address this immediately and provide your driver number to your insurer or broker as soon as you have it. Read the FAQs about exchanging a foreign driving licence on the NDLS website. If you do not provide a copy of your licence, regardless of whether it is a UK licence or an EU licence, your insurer will not issue you with a policy.

By law, you must hold a valid driving licence or learner permit in order to drive. If your learner permit expired more than 5 years ago, you will have to re-sit your theory test and apply for a new learner permit. You can find more information on the 'Manage your learner permit' section of the RSA website.

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

For a home insurance quote, you will need some details about the property to be insured, such as;

• The rebuild value
• The type of building
• The year it was built
• The number of bedrooms
• The number of smoke detectors installed
• Whether any part of the roof is flat
• The type of construction materials used in the building (e.g. brick, stone, timber frame)

Location details

• The Eircode
• Any history of subsidence or flooding in the area

If you’re adding contents insurance, we’ll ask for:

• The total value of your household contents
• Details of any items you want to specifically list (specify) on the policy (e.g. engagement or wedding rings)
• Information about any high value items worth more than €3,000 each (e.g. paintings, instruments)

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

Car, van, and motorcycle

To get a car, van, or 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

Home

For a home insurance quote, you will need details of the property to be insured, such as;

• Rebuild value
• Type of building
• When it was built
• How many bedrooms it has
• How many smoke detectors are fitted
• If any of the roof is flat

You'll also need to tell us about the area around the property, including any history of subsidence or flooding and whether or not there's a river bank or water close to the house.

If you're insuring your contents, you'll need to tell us the value of the contents and details of any items you would like to specifically name in the policy, and any high value items (individual items valued at over €3,000).

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

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. 

• A Green Card is an internationally recognised insurance document that proves the minimum compulsory motor insurance cover required by the country you are visiting. It is a hard copy document printed on green paper or with a green background;
• A Green Card demonstrates to relevant authorities that the vehicle being driven in their jurisdiction has a valid motor insurance cover;
• It is not required when driving in any of the 48 countries that are participating members of the system;
• A Green Card is also not required when driving in Great Britain and Northern Ireland if your Irish registered vehicle has a valid Irish motor insurance certificate and disc;
• Find further details on the Green Card system, including a complete list of the 48 participating countries.

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.

A paperless mandate is where you give your permission for us to collect instalments from your bank account without the need to physically complete a direct debit mandate form and return it to us. A paperless mandate is used to make the process of setting up a direct debit quicker and easier.

If you wish to set up a direct debit using a bank account which is in the name of the policyholder's spouse, civil partner, parent or child, we can still accept the payments, but we will need the account holder to sign a mandate, which we will send to you.

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.

Our home insurance includes a standard level of accidental damage cover which provides protection for:
•    Breakage of glass
•    Damage to underground pipes and cables
•    Accidental damage to TVs, audio/visual equipment, and computer devices (Limited to €2000)

However, we do offer optional extra Accidental Damage cover for both buildings and contents. If you choose this optional extra cover, you’ll also be covered for sudden, unexpected damage that is not caused deliberately, for example:

Buildings Insurance:
•    Accidentally putting a nail through a pipe
•    Drilling into a wall and damaging hidden wiring

Contents Insurance:
•    Spilling paint on a carpet
•    Knocking over and damaging furniture or ornaments

For full details of what is and isn't covered on your policy please check your policy schedule and your policy booklet.

Emergency Home Repair comes as standard on all policies that have both buildings and contents cover.

With Emergency Home Repair, you're covered for emergency repairs for:

• Plumbing
• Blocked drains and toilets
• Internal electrics
• Roof damage
• External glass
• Locks and keys

So if something happens, like a blocked drain or roof damage, you’ll be happy to know you’ve access to qualified tradesmen 24 hours a day, 365 days a year. You'll be covered up to €260 for each emergency and up to four emergencies within the insurance year.

Check your Policy Booklet for more information or go to https://www.redclick.ie/emergency-home-repair 

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.

Details of Named Driving Experience

• 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 Named Driver Experience earned on motorcycle, motor trade, or fleet policies can't be used on a Private Motor policy.

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

We accept named driving discounts 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 Car Driving experience.

You'll 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 Ireland?

• 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'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're unable to confirm your Named Driving Experience, this may result in the removal of your discount, and 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 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.

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.

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.

The Irish Motor Insurance Database (IMID), comprising the Motor Third Party Liability (MTPL) Database and the National Fleet Database (NFD), provides a single point of reference for motor vehicles insured in Ireland. The data in the IMID is provided by motor insurers, brokers, fleet owners and motor traders. The data includes policy holder details, vehicles registration numbers and names of drivers that are permitted to driver the vehicles that are covered by each policy. The IMID is managed by the MIBI and the data is shared with the Department of Transport and An Garda Síochána as set out in Section 78A of the Road Traffic Act.

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

An assessment carried out by one of our network of approved riding assessors, who evaluate your motorcycle riding skills. It isn’t just for beginners, it’s for bikers of all levels of experience and it can give you a chance to test yourself and see how you can improve your skills.

Our rider skills assessment is part of our commitment to promote safety on Irish roads and reward those with proven skills. Those who achieve the highest level in the assessment can get significant discounts motorbike insurance.

Underinsurance refers to a situation where a property and/or its contents is insured for less than the cost to rebuild, reinstate, or replace them. This usually occurs when rebuild costs or the value of your contents are underestimated on your home insurance policy.

At RedClick, we want to help protect your future by giving you the information you need so that your home is insured correctly. 

You can reduce the risk of underinsurance by:

• Making sure your rebuild value is accurate and up to date

• Regularly reviewing the value of your contents, especially after buying new items or making home improvements

• Using reliable tools or professional assessments to estimate costs

For more guidance, visit our underinsurance page or read our articles on "Underinsurance Explained" and our guide on how to calculate your home rebuild costs.

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

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

We ask for proof of nine years no claims, but will accept five years and upwards to avail of full discount.

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.

Policies starting with XB

Your Certificate of Insurance is available for you to access and print from your Customer Portal. 

Policies starting with GEI

Home Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally by the end of the next working day. 

We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are currently unavailable. These documents will be issued to you by post. If we do not hold a valid email address for you, your documents will be posted.

Car/Taxi/Hackney/Van Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally. We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are currently unavailable. Where we do not hold a valid email address for you, your documents will be posted.

Your Certificate of Insurance and Disc are available for you to access and print from your Customer Portal. It's a legal requirement to display this disc on the windscreen of the vehicle covered by this insurance policy. The disc is non-transferable. 

Failure to print/display the insurance disc correctly could result in you being fined under the Road Traffic Act 1961 (as amended). Please refer to the print instructions contained on your Insurance Certificate and Disc.

Motorcycle Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally by the end of the next working day. We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are currently unavailable. These documents will be issued to you by post. If we do not hold a valid email address for you, your documents will be posted.  

Your Certificate of Insurance is available for you to access and print from your Documents Portal.

A Green Card is a legal requirement if you are driving in any country that does not belong to the Green Card system. 

For more information on our complaints process, please visit Complaints and Legal Information.

For any licence issued in Ireland, by the National Driving Licence Service (NDLS) the driver number is under section 4D.

For licences issued outside of Ireland, we will need a copy of the licence sent to us. Further information is available at “How can I provide this information to RedClick?”

Whoever owns the house or is named on the mortgage should also be named as a joint policyholder on your home insurance policy.

Anyone aged 18 and over can use RedClick dublinbikes.

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.

All current customers who bought directly from RedClick and have opted in to marketing communications can access all the benefits of RedClick Club; Spin to Win prizes and competitions.

See full terms and conditions.

Generali is one of the largest global insurance and asset management providers. It is a global insurance group, founded in 1831, over 190 years ago!

Generali is present in over 50 countries in the world, with almost 82,000 employees and 164,000 agents serving seventy 70 million customers.

As part of this change, we are required to securely hold your driver number on file and share it with relevant authorities, including the Irish Motor Insurance Database. This helps ensure legal compliance, assists Gardaí in identifying uninsured drivers, and contributes to safer and fairer roads for everyone.

For more details on how we handle your data, please see our Privacy Policy.

WIN | WIN (PO Box 9653 Dublin), is a third-party rewards company, that will manage RedClick Club in conjunction with RedClick.

Your full data protection rights are protected under GDPR.

RedClick and Generali in Ireland are part of the Generali Group, one of the world’s largest insurance groups, operating in more than 50 countries and serving over 70 million customers.

Since 2020, we have issued documents on our Customer Portal:
•    Policies starting with XB
•    Policies starting with GEI
If you need a copy of an older document, you can contact us here.

Since 2020, we have issued documents on our Customer Portal:

• Policies starting with XB
• Policies starting with GEI

If you need a copy of an older document, you can contact us here.

It’s all to do with a system called the Irish Motor Insurance Database, which supports the Gardaí in their efforts to detect uninsured drivers. The database contains the records of 3 million vehicles and 5 million drivers and is updated daily. The Gardaí use an app in real time on the roads to scan registration plates. The app checks the information against the database allowing the Gardaí to identify uninsured drivers. The system has already been very successful and will be strengthened by the inclusion of driver numbers on the database. Find out more on Driver Number here.

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.

To ensure the safety and security of your information, we have upgraded the requirements to access your information. This additional level of security will continue to keep your personal information safe and secure.

You must have a Republic of Ireland mobile phone number to receive the one-time passcode by SMS.  If you are having trouble receiving the SMS or if you need to update the phone number, please call us on 01 553 4040.

Multi Factor Authentication (MFA) was added to enhance security and protect your personal information.

The one time password is valid for 30 minutes. If this time has passed, you can request a new one through the Documents Portal. If you are still unable to access the portal, please contact us.

• A Green Card is currently a legal requirement if you are driving in any country that does not belong to the Green Card system;
• You won't need it to drive in Great Britain or Northern Ireland.

The car or van's stereo, sat nav, or other radio equipment will be covered up to €635 or 5% of the market vehicle value (whichever is lower) provided they're permanently fixed to the vehicle.

Personal possessions such as handbags, mobile phones, laptops, shopping, etc., are not covered, so please do not leave them in your car.