Home Insurance Frequently Asked Questions

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.

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)

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 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.

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.
 

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

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

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

Great question! The difference between Building and Contents Insurance can be confusing, but it's actually very simple.

1. Buildings Insurance: Covers the cost of repairing or rebuilding the physical structure of your home if it is damaged by an insured event. This includes items such as the walls, roof, floors, windows, doors, and permanent fixtures (e.g., fitted kitchens, bathrooms).

2. Contents Insurance: is insurance for your personal belongings in your home. You don’t need to be a homeowner, either, as many renters choose to also take out Contents insurance to insure their personal belongings.

And no, you don't need both. You can purchase separate policies and they do not have to be purchased together.

Remember, It’s important that you accurately assess the value of your rebuilding costs and contents, otherwise you may end up being underinsured which could impact any claims you make.

Most mortgage providers do require you to have at least buildings insurance in place, to protect their interest in your home prior to releasing mortgage funds. Get a home insurance quote now.

NO.  In Ireland you do not have to buy home insurance from your mortgage provider. You are free to arrange insurance with any insurer you choose, and you can also switch your home insurance at any time throughout the term of your mortgage.

Check out our top tips to switching home insurance cover.

While home insurance is not legally mandatory in Ireland, most mortgage providers do require you to have at least buildings insurance in place, to protect their interest in your home and before releasing mortgage funds if you're buying a new home.

At RedClick you can choose the level of cover tailored to suit your needs. Just ensure you have the right cover and you are not Underinsuring your Building &/or Contents cover.

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.

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.

YES, fire damage is an insured risk covered under Buildings &/or Contents policies.  

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

YES, storm damage is an insured risk covered under Buildings &/or Contents policies.  

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

If your private home or rented property is deemed uninhabitable due to an insured risk for example, fire or flood, and you have buildings and/or contents insurance, we will pay for the cost of alternative accommodation no more than 15% of the buildings &/or contents sum insured.

Please check our policy booklet for full information and terms and conditions

YES, these structures are covered with Buildings Insurance cover.

Your policy covers the private home at the address shown in your Policy Schedule. This includes domestic outbuildings, solar panels, swimming pools, tennis courts, hot tubs, septic tanks, fuel tanks, terraces, patios, decked areas, driveways, footpaths, walls, fences, gates, hedges and fixtures and fittings including home electric vehicle charging points, all within the boundaries of the home. Your home must be built of brick, stone or concrete and roofed with slate, concrete, tiles or asphalt unless described differently under any endorsement (other than greenhouses, summer houses and garden sheds [A small wooden, PVC cladded or metal building used for storing items such as garden tools, bicycles, and other household items]).

Please check our policy booklet for full information and terms and conditions that apply.

If you have purchased a RedClick contents policy this covers contents in an outbuilding up to the value of €5,000. 

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

Our contents policies provide bike cover away from the home for up to €600 as standard. If you have purchased additional pedal cycle cover, this limit is increased up to €1,500 with full details shown in your policy schedule.

We will not cover any pedal cycle left unattended and unlocked away from the home, outbuildings or boundary and we will not cover Electric Bicycles or E-scooters.

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

Carpets can be taken up relatively quickly and easily and re-laid. It is their transportable nature that makes them part of the contents in a home.

Please check our policy booklet for full information and terms and conditions

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.

Jewellery items are classed as items of value and are automatically covered inside the home against the insured risks up to the value of €3,000. 

If you need your jewellery to be covered both inside and outside the home on an "all risks" basis, or if any single item exceeds the single article value limit of €3000, it must be specified on your policy as additional cover. 

Please check our policy booklet for full information with terms and conditions

Check out our top tips to insuring and cleaning your valuable items.

For cover to other specific items like hearing aids, please speak to our team for further details.

If you include specified items (All risks) on your contents policy these items will be covered outside the home in Republic of Ireland, Northern Ireland, Great Britain or the Continent of Europe; and elsewhere in the world for up to 60 days in any one period of insurance.

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

Yes, changes to your home security can affect your home insurance. For example, adding a security alarm to your home can help reduce your insurance premium. Get a quote now or contact us if you have recently made changes to your home security.

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.

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.

Firstly you'll need to understand what is Underinsurance.

2.  Secondly check what your actual current home rebuild costs are.  If you have insured your policy for less than the current rebuild cost, then you must contact us to notify us of the correct value to insure your buildings for. This is to ensure we update your policy and that you're accurately covered.

It's also important to note that if you have completed any building extension work or renovations on your home, that you also notify us to ensure your policy is updated and that you're fully protected.

3.  Thirdly check the current value of your contents and if you have undervalued them or you need to specify any valuable item in particular, then you must contact us to update your policy to ensure you're accurately covered.

Please note It’s important that you accurately assess the value of your rebuilding costs and contents, otherwise you may end up being underinsured which could impact any claims you make.

Check out our blog explaining what is home Underinsurance.

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.

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 

If you have Buildings and Contents insurance, you are covered for Emergency Home Repair.

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

Car, taxi, van or motorcycle

How do I avail of my No Claims Bonus (Discount)?

A No Claims Bonus (or No Claims Discount) is a discount that you earn by holding a policy in your own name without any claims:

• It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
• Your No Claims Discount must have been earned on a policy within the past 24 months. To clarify, you must have held a policy in your name with your No Claims Bonus obtained within the past 24 months.
• The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active, you cannot use the No Claims Bonus from that policy on this one.
• You can use a No Claims Bonus earned on private motor, taxi, or commercial policies on your private motor policy.
• To avail of a No Claims Bonus, you must have earned your bonus on a similar policy. For example, for motorcycle policies, you can only use a No Claims Bonus/Discount earned on another Motorcycle policy.  
• You can use a No Claims Bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy providing weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside ROI?

If your No Claims Discount has been earned outside the Republic of Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

• Once we receive proof of your No Claims Discount, we'll contact your last insurer to confirm the document is valid.
• We may need your help during this process, so we would request that you assist us with this. For example, we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
• This process may take some time.
• If we are unable to confirm your No Claims Discount, this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you'll need to provide us with proof of your No Claims Bonus. To do this, you'll need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

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

If you earned your No Claims Discount with RedClick under a previous policy, please contact us to advise.

A No Claims Bonus (or No Claims Discount) is a discount which you earn by holding a policy in your own name without any claims.

Details of a No Claims Bonus

• It builds up in years, so the more years you drive without any claims, the bigger your discount will be, up to a limit of nine years.
• Your No Claims Discount must have been earned on a policy within the past 24 months. To clarify, you must have held a policy in your own name with your No Claims Bonus obtained within the past 24 months.
• The discount can only be used on one policy and for one person at any one time. This means that if you currently hold another policy which will be remaining active, you cannot use the No Claims Bonus from that policy on this one.
• You can use a No Claims Bonus earned on private motor, taxi, or commercial policies on your private motor policy.
• To avail of a No Claims Bonus, you must have earned your bonus on a similar policy. For example, for a No Claims Bonus to be applied on a motorcycle policy, it must have been earned on a motorcycle policy.
• You can use a No Claims Bonus earned on a commercial vehicle or private motor vehicle towards a commercial vehicle policy, providing weight of the vehicle does not exceed two tonne carrying capacity.

What if my No Claims Discount is from outside Ireland?

If your No Claims Discount has been earned outside Ireland, it must have been earned in the past 24 months, within UK, all EU countries, USA, Canada, Australia or New Zealand.

Please Note:

• Once we receive proof of your No Claims Discount, we will contact your last insurer to confirm the document is valid.
• We may need your help during this process, so we would request that you assist us with this. For example, we may ask you for contact details for your last insurer. We may also request that you contact your previous insurer to allow us to obtain information on your previous policy.
• This process may take some time.
• If we are unable to confirm your No Claims Discount this may result in the removal of your discount, hence your premium may increase.

What do I need to do next?

Once you buy your policy, you will need to provide us with proof of your No Claims Bonus. To do this you will need to send us a copy of your No Claims Bonus Certificate.

Your No Claims Bonus Certificate will be included in your renewal pack from your previous insurer, or you can request it from them if you don’t already have it.

You can email a copy or a clear photo of your certificate to us. Visit our contact details page for details. Remember to add your policy or reference number clearly in any emails you send to us. 

If you earned your No Claims Discount with RedClick under a previous policy, please contact us to advise.

Your No Claims Bonus can only be used on one vehicle at a time. This means if you're insuring a second vehicle for the first time, you will start with a zero years No Claims Bonus, and you will start to earn a second No Claims Bonus on the second vehicle.

However, if you have a car insurance policy with us and want to insure a second vehicle, we may be able to give you a discount on the second vehicle if you're the only driver on both policies. Contact us to check if you're entitled to this discount.

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.

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

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.

If you are a tenant in an apartment, it is advisable to arrange Contents insurance, so your own personal belongings are protected. Get a quote now.

Generally speaking, it is recommended you have home insurance in an apartment regardless of whether you own it or are renting it.

If you own the apartment, then it is advisable to arrange contents insurance to protect your personal belongings. In most cases, the building itself is insured through the management company, so individual apartment owners typically only need to arrange contents cover.

If you are a tenant in an apartment, it is advisable to also arrange Contents insurance, so your own personal belongings are protected.

Whether you're a landlord or a tenant, it is recommended you have adequate home insurance for your rented property. See our Landlord Insurance and Renters Insurance and get a quote now.

While you might not think you need it, it is recommended that you have home insurance on your holiday home. 

Learn more about our Holiday Home Insurance and get a quote now.

YES, you will need to notify your insurer if you decide you want to rent out part or all of your property. Contact us now if you need to discuss your policy cover.

NO. Short term lettings, for example Airbnb, booking.com etc., are not covered.

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

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.

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.

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.

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 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.

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.

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

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.

Yes, we can then change your collection date up to 14 days either side of your current due date, up to the 28th of each month. Your instalments will then be collected on the same date every month.

In order for the new instalment date to take effect for your next payment, you must contact us seven days before your instalment is due. To change your instalment date, please contact us here. 

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

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

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

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.

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.

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.

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

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.

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.

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.