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.

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.

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.

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.

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.

The same great team you have been dealing with for your existing claim is not changing. We will continue to process your claim as quickly as possible.

No. There is no need to change your vehicle disc. Your existing disc continues to be valid and there is no need to contact us for a new one. When you renew your policy, we will issue your new documents with our new name and logo.

Our contact details are unchanged, except for our postal address.

Our phone numbers are not changing.

We continue to be available on 01 553 4040 for sales, service and claims queries. Our other numbers that appear online also continue to work as expected.

Our email addresses will continue to work as normal. When we complete our rebranding, we will continue to receive your emails at our current addresses but will respond to you from our new addresses e.g. if you send an email to info@libertyinsurance.ie we will respond from info@redclick.ie 

Our postal address has changed. You can write to us at this address: 5 Town Hall Place, Farnham Street, Cavan, H12 V9F5  

Post sent to our old address will be redirected to our new office in Cavan.

The data controller of your personal data remains the same but is now named Generali Seguros y Reaseguros, S.A.U. (acting through its Irish Branch). We will share your data with our group of undertakings (the Generali Group), which includes the Spanish insurance company Generali España, S.A. de Seguros y Reaseguros, for internal administrative purposes, compliance with supervisory obligations and structural modification of companies. The remaining data protection information, including the information regarding the possibility of exercising the data protection rights foreseen in the data protection regulations, continues to be available on the insurers’ websites. The privacy information may change from time to time, so we advise you to periodically check the Privacy Notices.

At Generali we believe sustainability is a necessary strategic way to approach business. Our aim is to deliver a social, environmental and stakeholder impact for a sustainable transformation by integrating even more sustainability in core business and processes, including our commitment in the community as an integral part of the overall strategic positioning. Generali identifies four responsible roles to play as investor, insurer, employer and corporate citizen.

Responsible investor: reducing greenhouse gas (GHG) emissions from investment portfolio, and increasing new and green sustainable investments. 

Responsible insurer: providing insurance solutions with ESG components, reducing greenhouse gas emissions from the underwriting portfolio, and supporting the sustainable transition of small and medium-sized enterprises (SMEs)

Responsible Employer: We carry out dedicated actions to foster and promote diversity, equity, and inclusion in our work environment, continuously upskilling our people, nurturing talent in all its forms, and implementing more flexible and sustainable ways of working. 

Responsible Corporate Citizen: We act to unlock the potential of people living in vulnerable circumstances through the global initiatives of The Human Safety Net Foundation.

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.

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. 

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.

We are not planning any immediate new products.

No. Our payment methods are staying the same and you do not need to contact us to provide your details. If we already have details of your debit/credit card or bank account used for your policy payments we will continue to apply any charges notified to you, to that account/card.

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. 

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.

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.

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.

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 of course! We are here to help. Our opening hours are available on our website www.redclick.ie/contact-us

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.

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.

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 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 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.

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:

1. One hour’s labour at the roadside or at your home; and
2. 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:

1. 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
2. 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.

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

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. 

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. 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.

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.

With our quick and easy online quote system, a typical car insurance quote takes only two minutes.

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.

Car, taxi, van or motorcycle

Incidents that may give rise to a claim must be reported to RedClick immediately. Please contact us here.

Home

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

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.

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.

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.

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.

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.

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

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.

Our contact details are unchanged; except for our postal address, the new address is below.

Phone

01 553 4040

9am-6pm, Mon-Fri

Webchat

www.redclick.ie 

8am-7pm, Mon-Fri

Email

info@redclick.ie 

24/7 – we will reply within 3 days

Letter

RedClick

5 Town Hall Place, 

Farnham Street, 

Cavan, H12 V9F5 

We will reply within 5 working days of receipt

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.

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

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.

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.

No, our BIC/IBAN are not changing.

No, our Originator ID is not changing. 

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

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

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

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.

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, get the value of a brand new replacement item, with no amount taken off for wear and tear. If you make a valid claim for your contents, we will replace, repair, or pay an amount to replace the item as new with an equivalent item.

Car

Windscreen cover* is included as standard on our comprehensive car insurance policies.

This is an optional extra on third-party fire and theft car insurance policies. This covers all the windows in the car, but doesn't include sunroofs, glass roofs, or panoramic sunroofs, as long as an approved repairer is used.

A claim on your windscreen cover won't affect your No Claims Bonus. Two claims for every vehicle in any one period allowed.

Contact us to arrange for your windscreen to be repaired.

*Windscreen Replacement Excess applies should your windscreen be deemed unrepairable by the glass technician. You pay the first amount as outlined in your policy schedule and we pay the rest.

It depends on the modification you have made. Modifications which affect the performance of the vehicle are more likely to influence the price you pay.

You must tell us of any modification to your vehicle. Remember to have all modifications completed at a professional garage.

Where applicable, you must have a valid NCT on your modified vehicle.

Please contact us to find out more. 

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.  

Home

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.

Your policy will not change. You will still have the same policy cover and benefits, and it will remain active until your renewal date. We will be in touch with you, from our new brand, when it is time for you to renew.

Generali, which is one of the largest global insurance providers has a solid commitment to its customers in Ireland. 

Car, van, or motorcycle

• Stop as you are required to by law.
• Check if anyone is hurt and needs medical assistance.
• Do not admit responsibility.
• Exchange details with those involved.
• Report the claim immediately by contacting our Claims team here. 

We have appointed claims representatives available abroad who will assist you with your claim. You will find their details on www.dekra-claims-services.com.

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.

Car, taxi, van or motorcycle

If you're involved in an accident you should:

• Notify the Gardaí immediately.
• Note the insurance details of the third-party involved.
• Note the names, addresses, and phone numbers of any independent witnesses.
• Do not admit liability.
• Contact our Claims team here.
• Email our dedicated Motor Claims team.

We will then assign you a personal claims handler and deal with your claim as quickly and as hassle-free as possible.

Car, van, and taxi

We will pay you the market value of the vehicle immediately before the accident. The value will be calculated based on industry standard guides.

New car replacement applies to cars less than 12 months old that were bought as new. Please refer to the policy booklet for details. 

New car replacement does not apply to bike policies.

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.

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).

Car, taxi/hackney, van or motorcycle

Please ensure you have full details of the claim including:

• Policy number
• Policyholder name and contact details
• Date and location of incident
• Circumstances surrounding the incident
• Third-party details if applicable

Home

Please ensure you have full details of the claim including:

• Policy number
• Policyholder name and contact details
• Date and location of incident
• Circumstances surrounding the incident
• Estimated value if known
• Risk address
• Details of any previous claims in last five years

No Claims Bonus protection is an optional extra on car, van, and motorcycle insurance policies, which means one claim in the insurance year will not affect your No Claims Bonus at all. After more than one claim, Step Back No Claims protection will apply. Although you can protect your No Claims Discount, your premium may still be affected by any claims we pay.

Step Back No Claims applies if you haven't opted to protect your No Claims Bonus. If you claim, you can keep part of your No Claims Discount - five or more years no claims will step back to two years discount, four years step back to one year discount, and three or less years will go back to zero years discount.

You must have at least four years No Claims Bonus to avail of No Claims Bonus protection.

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.

A paperless mandate is where you give your permission for us to collect instalments from your bank account without the need to physically complete a direct debit mandate form and return it to us. A paperless mandate is used to make the process of setting up a direct debit quicker and easier.

If you wish to set up a direct debit using a bank account which is in the name of the policyholder's spouse, civil partner, parent or child, we can still accept the payments, but we will need the account holder to sign a mandate, which we will send to you.

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.

Accidental damage is optional and if you have selected it, you'll be covered for any sudden and unexpected damage which is not caused deliberately.

For example, on your buildings insurance, it would cover you for accidents such as putting a nail through a pipe.

On your contents insurance, it would cover you for accidentally spilling paint on a carpet.

More information is available in your policy booklet.

Home

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 GEI

You can pay your premium by phone, post, or billpay in any post office, or call us to pay monthly.

You can also make a payment online. Please see below: 

• Pay for a quote
• Pay for your renewal
• Pay for a missed direct debit
• Pay for changes made to your policy

Policies starting with XB

You can pay for your insurance when taking out the policy online or over the phone. Please contact us here for further information.

You can pay the premium in full or by monthly instalments by credit or debit card. 

You need to call the 24-hour windscreen helpline. You'll be asked for your policy reference number.

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.

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.

For more information on our complaints process, please visit Complaints and Legal Information.

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

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.

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.

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.

Your current instalment amount and dates are not changing, until your policy renews or If you amend your policy. Our name will soon change on your bank statement and mobile phone app. Over the next few weeks, we will display as RedClick.

Car or van

The car or van's stereo, sat nav, or other radio equipment will be covered up to €635 or 5% of the market vehicle value (whichever is lower) provided they're permanently fixed to the vehicle.

Personal possessions such as handbags, shopping, etc., are not covered, so please do not leave them in your car.

For regulatory reasons we cannot comment on future pricing. However, we always try to offer the most competitive prices for our products and services using data driven insights and drawing on our claims experience. We will continue to try and improve our pricing for our customers.