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. 

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.

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.

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.

Underinsurance refers to a situation whereby a property and/or its contents is insured for less than the cost to rebuild, reinstate, or replace them. This is not a situation you want to find yourself in.

If you need to make claim, your home insurance policy will cover the full cost required to reinstate your property to its pre-accident condition based on the value of the rebuild cost associated with that policy. However, you might have underestimated the cost to rebuild or reinstate your property when taking out your household policy. In this case, the current insurance cover you have purchased will only partly cover costs, meaning you're underinsured.

Find out more about Underinsurance.

Depending on the type of claim depends on how long it can take to fully process it.  

At RedClick we have a dedicated claims team that promise to deliver speedy and fair resolution, with 97% of claims settled without hassle or confusion.

To help and reassure our customers we assign a dedicated claims handler that will be with them every step of the way throughout the process and help resolve the claim as soon as possible.

For more information click here or contact us.

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

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

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

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.

This can be a very stressful situation to be in. You should immediately inform the Gardai in the case of theft, attempted theft or malicious damage and get a copy of the Garda report. 

Then, we'd recommend you contact us immediately on our claims 24-hour helpline at 01 553 4020 . 

You can also check your policy schedule and policy booklet which will tell you what is covered and the claims conditions.

Car, van, or motorcycle

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

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

Car, taxi, van or motorcycle

If you're involved in an accident you should:

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

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

Car, van, and taxi

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

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

New car replacement does not apply to bike policies.

Car, 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

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.

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.

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

Car, van, or motorcycle

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

We pay the balance, up to the applicable limit.

Home

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

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

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

Check your Policy Schedule to ensure you have Windscreen cover.  

If you need Windscreen Repair call 1800 944 435.

After a claim the cost of your premium may increase at your next renewal. Your No Claims Bonus may also be impacted depending on the level of No Claims Discount Protection you have included on your policy.

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

This depends on your cover.

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

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

If a claim is made during a period of insurance, and if we pay for the claim, your no claims discount will be reduced at the renewal date and we may also load your premium.

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

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.