About RedClick
1. Why is Liberty Insurance now called RedClick?
Liberty Insurance in Ireland was bought in January 2024 by Generali, one of the world’s largest insurance groups., operating in more than 50 countries and attending over 70 M customers.
Because of this, our legal name changed to Generali Seguros y Reaseguros S.A.U., Ireland Branch. But in Ireland, we’ll be known by our new brand name, RedClick.
Even though our name has changed, we’re still regulated by the Central Bank of Ireland for Conduct of Business Rules.
2. Who owns RedClick?
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.
3. Who is Generali?
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.
4. Is my insurance policy still valid?
Yes, your insurance policy remains unchanged and is valid until the end date noted in your policy documents. When the time comes to renew, we will be in touch with you, well in advance to give you details of your renewal offer.
Claims & Emergencies
Am I insured to drive other vehicles?
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.
Do I have to report every incident or claim?
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.
Does my policy include breakdown cover?
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:
- One hour’s labour at the roadside or at your home; and
- 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:
- 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
- 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.
Getting a Quote
Can I earn a No Claims Bonus as a learner permit holder?
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.
Can I insure a vehicle which isn't registered in my name?
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.
Can I use my No Claims Bonus on more than one policy?
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.
Can my quote be sent to me?
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.
Manage My Policy
I'm receiving an error when I try to login to the Documents Portal.
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.
Am I covered to drive unaccompanied on a learner permit?
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.
Can I get temporary cover on another vehicle when my own is in the garage?
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.
Does my policy include Open Drive?
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 insurance and taxi/hackney.
More information is available in our policy booklets:
My Documents
How do I request a household Indemnification Certificate?
Home
To get a copy of your house indemnity you must contact us on 01 553 4040 and we can help you.
You can contact us and find information about our opening hours here.
How do I request a replacement Certificate of Insurance?
All policies starting with GEI
In order for us to send you a replacement Certificate of Insurance, you'll need to complete the Lost Certificate Declaration. You can download this here.
You can then email this to us at info@redclick.ie or post it to us at5 Town Hall Place, Farnham Street, Cavan, Co Cavan, H12V9F5
Remember to write your policy number on any documents you send us.
Please call us to request a duplicate Certificate of Insurance or disc. You can contact us here.
All policies starting with XB
Please call us to request a duplicate Certificate of Insurance or disc. You can contact us here.
I need a copy of my No Claims Bonus. How do I request this?
A copy of your No Claims Bonus will be included within your renewal notice.
If you have lost your No Claims Bonus, you can now request a copy online without having to log in.
If I require a Letter of Indemnity for my employer. How can I request this?
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 now request a letter of indemnity online without having to log in.
Payments
Are there any additional charges in the price?
MOTOR INSURANCE:
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.
HOME INSURANCE
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.
Can I change the date that my instalments are collected from my bank account?
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.
Can I pay my policy in full throughout the year, and will I still get charged the Direct Debit service charge?
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.
How do I update my debit/credit card details with RedClick?
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. You can find our contact details here.
Complaints
How can I make a complaint?
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.
I have discussed my complaint with the Customer Service team and I'm unhappy with the response I received.
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
I've received my complaint final response letter and I'm still not happy.
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
What happens once I raise a complaint?
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.