Motorcycle insurance

that just clicks.

Third-Party Liability

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

For further information, please refer to the policy booklet.

Legal Costs

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We will pay for the following legal costs related to an event which is covered under the Liability to Others section:

a) Fees for a solicitor we appoint to represent you at a coroner’s inquest or fatal accident enquiry. 
b) Fees for legal representatives that we ask to defend you against a charge of manslaughter or causing death by careless or dangerous driving, if we decide there is a reasonable chance of success.

For further information, please refer to the policy booklet.
 

Foreign Use

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Our Motorcycle insurance provides the minimum cover you need by law to drive your vehicle in any EU country or any other country which has made arrangements to meet the minimum insurance requirements of the Commission of the European Union. We will automatically extend this cover to provide your full policy cover (as shown in the schedule) for these countries, for up to 93 days in any one period of insurance. If you need cover for longer or you want to travel to any other country, you must contact us before you travel.

The following cover does not apply while you are using your vehicle abroad:

• Driving other cars. 
• Breakdown assistance.

For further information, please refer to the policy booklet.
 

Accident Recovery

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We will also pay the reasonable cost of protecting the vehicle and moving it to the nearest repairer if, as a result of any loss or damage insured under this section, the vehicle cannot be driven. We will pay storage fees up to a maximum cost of €300. We will pay the reasonable cost of delivering it to you after the repair. However, we will not pay more than the reasonable cost of transporting it to your address, as shown in the schedule of insurance.

Fire Brigade Charges

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We will pay for local authority fire brigade charges for putting out a fire in your vehicle or for removing the driver or passengers from the vehicle using cutting equipment, up to a limit of €2,200.

For further information, please refer to the policy booklet.

Medical Expenses

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We will pay for medical expenses up to €135 for each person injured if the vehicle is involved in an accident, as long as there is no cover in force under another motor insurance policy.

For further information, please refer to the policy booklet.

Breakdown Assistance*

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Our 24-hour breakdown cover provides 24 hour roadside assistance, including home start 365 days a year. Breakdown assistance includes:

• Mechanical breakdown
• Flat battery
• Fire
• Attempted theft
• Malicious damage
• Punctures
• Lost keys, stolen keys, keys broken in the lock or locked in the vehicle

*Breakdown assistance covers three call-outs maximum per year.

For further information, please refer to the policy booklet.

No Claims Discount Protection

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Once you have four or more years No Claims Bonus, you can pay an extra premium to protect it. You will keep your Motorcycle insurance No Claims Discount as long as no more than one fault claim arises during any one period of insurance. Although you can protect your No Claims Bonus, your premium may still be affected by any claims we pay.

Please note: This cover is only applicable if the policyholder has four or more years No Claims Bonus.

Please see your policy booklet for full terms and conditions.

Loss of Keys

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If the motorbike keys or lock transmitter of the vehicle are lost or stolen, we will pay up to €850 for replacing any locks, the ignition and steering lock and the lock transmitter, as long as we are satisfied that the person who may have your keys or transmitter knows where the vehicle is.

Claims for loss of keys will not affect your No Claims Bonus.

For further information, please refer to the policy booklet.

Voluntary Excess

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You can reduce your insurance premium by increasing the excess on your policy. The standard excess on RedClick Motorcycle insurance policies is €300. This excess is what you pay if a claim is made on your policy, before your insurer would make any payment.

For further information, please refer to the policy booklet.