Yes, once the policy is in your own name you'll start to earn a No Claims Bonus, regardless of which licence type you hold. You can also earn named driver experience if you have been a named driver on somebody else’s policy, regardless of your licence type.

YES. You can get cover for vehicle adaptations as a result of disability. Once the adaptations have been completed professionally and to manufacturers specifications. 

You should also ensure that the vehicle value reflects all modifications. Contact us for any queries.
 

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

Please contact us to find out more.

Yes, 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.

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.

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.

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

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 understand everyone wants to keep their bills low, but we'd recommend not compromising on your home insurance cover where possible. However, there are some ways you can keep your home insurance costs down:

1. Choose a voluntary excess 
2. No Claims Discount (NCD) - if you're claims free over a period of time you will receive a No Claims Discount
3. Improved home security, safety and maintenance helps to reduce risks
4. Multi Policy Discounts with RedClick - if you have another active RedClick policy you can save up to 10%

Remember to choose the cover that best suits your needs, so you are sufficiently protected and not underinsured. 

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.

We've made calculating your home's rebuild costs easy with our simple step-by-step guide to calculating your home's rebuild costs.

Remember, it's important to ensure your home insurance has the correct rebuild costs for Buildings insurance. If you under insure your buildings cover it will impact any claims. Find out more about Underinsurance.
 

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.

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

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

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

We have a simple Contents Checklist that you can use to help you calculate your contents cover when getting a quote. 

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

In Ireland, home insurance costs can vary depending on lots of different factors such as location, your home rebuilding costs and the value of your contents cover. Get a quote online now to find out how much your home insurance might be.

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

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

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

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

Yes, each policy has a low standard excess:

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

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

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

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

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

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

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.

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.

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

1. Rising costs for repairs - including labour and materials
2. Inflation
3. Previous and current pending claims
4. Penalty points incurred
5. Vehicle age and increased mileage
4. or any other policy cover changes are made during or when renewing a policy

If you need to discuss your car insurance quote or premium, please contact us.

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).

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.

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

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

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

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

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

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

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

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

There are many factors that impact the price of your home insurance policy. This includes:

1. Changes to home rebuilding and overall construction costs, including labour and materials
2. Any changes to your contents cover & valued/specified items
3. If there are any previous or current pending claims
4. If there are any general policy cover changes

If you have any questions about your policy, please get in touch with our team.