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.

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.

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.

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:

Car insurance policy booklet

Taxi policy booklet

Van insurance policy booklet

Motorcycle insurance 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.

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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.

Car, taxi, van, motorcycle or home

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.

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.

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.

Once you buy your policy, you'll need to provide us with proof of your Named Driving Experience. To do this, you'll need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim free.

We cannot accept a Certificate of Insurance, proposal form, or Insurance Schedule of Insurance as proof of your Named Driving Experience.

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

If you earned your Named Driving Experience with RedClick under a previous policy, please contact us to advise.

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.

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.

This will be the case if you made a change to your insurance policy during the year, e.g., a change of vehicle, addition of a driver, change of address, etc.

By law, we have to include the ‘last year’s annual premium’ on your documents which must show the annual premium you would have paid if the change you made to your policy during the year had been in place from the beginning of the policy term (12 months).

This is a requirement of the Provision of Information Regulations Amendment 2018.

This ‘last year’s annual premium’ figure doesn't include any fees or charges that were/may have been applied to the mid-term change of details you made.  

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Our contents insurance includes cover for valuables such as jewellery, items of precious metals, timepieces, photographic equipment, works of art, antiques, furs, musical instruments, collections of stamps, curios, coins or medals.

Any individual item valued at over €3,000 should be listed individually on your home insurance policy. If you only want to cover these individual items whilst in the home, you can specify them as high value items. If you would like the cover to be extended outside the home, you'll need to specify the individual items as all risk items.

More information is available in our policy booklet.

Policies starting with XB

To log on to your Customer Portal you will need the following information:

• Your email address that you used when you purchased your policy.

  If you are having trouble logging into your Customer Portal, you can contact us here.

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.

Your Driver Number is a nine-digit number that’s located on your driving licence. Its main purpose is to track your driving history.

Where is it located?

On a plastic driving licence, your Driver Number can be found in field 4d on the front of your licence. On a paper driving licence, it’s printed in field 5.

What is my Driver Number used for?

Your Driver Number is essentially your driver identity. Regardless of whether you renew your licence or get a new car, your Driver Number will remain the same.

Information such as your penalty points history can be found by relevant authorities in Ireland if they search your name and Driver Number.

Why do you require my Driver Number?

It will soon be a legal requirement for all insurers in Ireland to hold and share Driver Numbers with the relevant authorities in Ireland. As a result, we require the Driver Number and the driver's licence country of origin for any driver noted on a policy with us.

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

Home Policies

What is a voluntary excess?

A voluntary excess is an amount selected by you that's added to the standard policy excess available. Selecting this option reduces the cost of your premium.

In the event of a claim, you'll pay the excess applicable to your policy. This is the first amount of any claim. We pay the balance, up to the applicable limit as detailed in your policy.

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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.

This is a discount we offer if you haven't had a policy in your own name before, but have been a named driver on someone else's policy without any claims.

Details of Named Driving Experience

• It works in the same way as a No Claims Bonus, so you get a discount on your premium for your experience.
• To get the discount you must have been named on a private car.
• The end date of the most recent named driving period must be within the last 24 months.
• It must be at least one year and each year must be a full 12 months.
• This means there must be no more than 24 months in between driving periods and no more than 24 months since you have last been named on a policy.
• For van insurance, you must have been named on a commercial van or truck policy.
• If you qualify for the discount, you'll need to send us proof (a letter from the previous insurance company) once you start your policy.
• Please note Named Driver Experience earned on motorcycle, motor trade, or fleet policies can't be used on a Private Motor policy.

My Named Driving Experience is on a company car. Is this accepted?

We accept named driving discounts for company cars as long as the car was specifically for your own use.

If you still work for the company and have the sole use of a car, we cannot accept this Company Car Driving experience.

You'll need to provide a letter from the insurance company saying you were named on the policy and there were no claims.

If you were not named on the company policy, you need to provide:

• Proof from the company who owned the car that you were the only driver of the car.
• Proof from the insurance company or broker that there were no claims.

What if my Named Driving Experience is from outside Ireland?

• If your Named Driving Experience 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.
• Once we receive proof of your Named Driving Experience, 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're unable to confirm your Named Driving Experience, this may result in the removal of your discount, and 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 Named Driving Experience. To do this, you'll need to send us a letter from each of your previous insurers to show the period you were a named driver on each policy and prove you were claim free.

We cannot accept a Certificate of Insurance, proposal form, or Insurance Schedule of Insurance as proof of your Named Driving Experience.

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

If you earned your Named Driving Experience with RedClick under a previous policy, please contact us to advise.

Policies starting with XB

Your Certificate of Insurance is available for you to access and print from your Customer Portal. 

Policies starting with GEI

Home Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally by the end of the next working day. 

We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are currently unavailable. These documents will be issued to you by post. If we do not hold a valid email address for you, your documents will be posted.

Car/Taxi/Hackney/Van Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally. We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are currently unavailable. Where we do not hold a valid email address for you, your documents will be posted.

Your Certificate of Insurance and Disc are available for you to access and print from your Customer Portal. It's a legal requirement to display this disc on the windscreen of the vehicle covered by this insurance policy. The disc is non-transferable. 

Failure to print/display the insurance disc correctly could result in you being fined under the Road Traffic Act 1961 (as amended). Please refer to the print instructions contained on your Insurance Certificate and Disc.

Motorcycle Insurance: Where we hold a valid email address for you, most of our documents will be issued to you digitally by the end of the next working day. We have introduced a Documents Portal where you can access all your documents in one place at any time you like. As we refine this new tool, some documents are currently unavailable. These documents will be issued to you by post. If we do not hold a valid email address for you, your documents will be posted.  

Your Certificate of Insurance is available for you to access and print from your Documents Portal.

The calculation of a premium is the result of a complex interaction between many rating factors. Even though there doesn't appear to be any change in individual circumstances from the time of the previous renewal, some of the ratings change merely through the passing of time (e.g., the age of the policyholder and vehicle) and these factors can contribute to an increase in the premium. There may also have been changes in our approach to pricing the various risk factors or the introduction of a new pricing risk factor, which may then apply to your individual circumstances.

As a concept, insurance works by pooling the funds of many to pay for the claims of a few. Every customer contributes their premium to a larger fund from which we as insurers are able to compensate a customer who has a valid claim, e.g., vehicle damage or an injury to a third party. Therefore, increases in the costs of the total costs of claims and/or the increases in the total number of claims will have a knock-on effect on the overall pool and will result in higher premiums.

Please find below a list of the types of factors – both customer-specific and general – which are most likely to be relevant in explaining any increase in your premium.

Customer-Specific Factors

Some of the customer-specific rating factors which lead to a change in risk and/or our view of that risk are:

Age of Vehicle

The risk changes every year as the vehicle itself is now a year older, potentially putting it into a different rating category.

Type of Vehicle

You may have changed your vehicle in the past year, again potentially putting it into a different rating category. The make and model, engine capacity, weight, fuel type, transmission, safety features and the cost of repairs are among the relevant factors. Also, based on the most recent analysis of claims, pricing models are regularly reviewed and this may result in changes in our approach to pricing various risk factors or introducing new pricing risk factors, which may then apply to you. An example of this would be using fuel type or transmission as a rating factor for the first time. So, ratings may change from being based on engine size/cubic capacity (CC) to brake horse power (BHP) as our view of vehicle technology and engines evolve with the car market.

Named Drivers/“Open Driving”

Any change in the number or circumstances of the drivers named on your policy may affect your premium. Certain driving options like “Open Driving” may result in an increased premium due to the risk associated with such driving options.

Age of Driver

The risk actually changes every year as the drivers are now a year older, potentially putting him/her into a different rating category. Your experience and that of the drivers who may drive your car is one of the main rating factors used by insurers. Statistics show that younger, less experienced drivers are a higher risk (more likely to be involved in accidents and make claims). More experienced drivers will benefit from lower premiums; however, at a point the risk starts to increase again and this is reflected in the pricing of motor insurance. Also, the type of driving licence you hold and the number of years for which it has been held is an indicator of an individual’s driving experience and this is often reflected in your premium as a rating factor.

Location of Risk

The area you live or work in may have a bearing on the cost of your motor insurance. Normally, in areas where the risk of accidents is greater (typically more urban and densely populated areas), you’ll pay more. The same applies if you live somewhere which has high levels of vehicle crime. Insurers may assess each address individually or at an overall county level, looking at claims, traffic, theft and malicious damage statistics together with the frequency of accidents in that area. More accidents tend to result in more claims, so it could cost more to insure vehicles in those areas. Again, we continuously review and analyse relevant data so that even if you have not changed address, our view of this risk factor may have altered since your last renewal.

Occupation

If you use your car for business purposes, you're likely to pay more for cover as you’ll be driving more when the roads are busy. Your annual mileage may also be an important consideration. After all, the more you drive, the more likely you are to be involved in an accident. Also, the nature of your journeys could affect your price. For example, if you use your car to commute to work when traffic is busy, insuring your car may cost more than if you only used your car socially. Again, we continuously review and analyse relevant data so that even if you have not changed job, our view of this risk factor may have altered since your last renewal.

Mid-Term Amendments

If you made a change to the policy during the year (particularly if made towards the end of the term), this is possibly affecting your premium this year. Any mid-term changes will have been charged on a pro-rata basis until renewal, but the new renewal price will have been calculated using the new policy details for a full 12 months.

Loss of No Claims Discount (NCD)

This would be as a result of claim(s) submitted/processed within the past 12 months.

Claims and Convictions

A loading may have been applied to your policy due to the number or severity of claims and/or convictions incurred by you or any person who will drive your vehicle. Claims within the last five years can still affect the premium and multiple claims will attract a higher loading, particularly for the same cause.

Penalty Points

You or any person who will drive the vehicle may have incurred Penalty Points, therefore impacting on the premium.

Payment Method

The payment method used by you may have caused an increase in your premium. For example, if you choose to pay by direct debit, an annual percentage rate may apply.

Regulatory changes

Your renewal premium may also be impacted by new Central Bank regulations effective from July 1st, 2022, which has introduced a ban on price walking (see definition below). This means that, from that date, insurers cannot charge consumers, who are on their second or subsequent renewal with the same insurer, a premium higher than they would charge an equivalent first renewal customer. We have amended our rating to be compliant with these regulations.

Central Bank definition: Price walking is where you are charged a higher premium the longer you remain with your insurer, and for no reason other than staying with the same provider

External Factors

External factors are those costs which affect the cost and number of the claims we have to pay. The cost of paying claims is the single largest factor which contributes to your premium. Given that the cost of claims is the most significant cost associated with insurance, it's vital that insurers set premiums which are sufficient to meet these costs so the business is sustainable and that we are there to pay claims for our customers in the long term.

The main components of the total cost of claims are:

• The size of awards for injury claims and medical inflation.
• Legal costs associated with handling claims.
• Cost of parts.
• Labour for repairs.

We hope that you find this information useful. However, if you believe that you require more information in relation to the price of your premium renewal, you can contact us here.

The one time password is 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, please contact us.