Generali España de Seguros y Reaseguros, S.A., Ireland Branch, trading as RedClick
RedClick
RedClick is a motor casco insurance for the Ireland market with online purchase and 24/7 assistance.
Direct payment
You can pay for your insurance when taking out the policy online or over the phone, in full or by monthly instalments by credit or debit card. Payment type is considered a rating factor, so choosing monthly instalments may impact the premium charged.
Geographic scope
Republic of Ireland, Northern Ireland and Great Britain (including the Isle of Man and Channel Islands)
Republic of Ireland, Northern Ireland, Great Britain, the Isle of Man and the Channel Islands; full policy cover automatically extends to other EU member states (and countries meeting EU minimum insurance requirements) for up to 93 days in any one period of insurance
Unique selling points
- Customers who get a quote online can save up to €300 and receive a €40 retail voucher on their car insurance policy.
- Customers with nine years' No Claims Bonus can qualify for a 66% discount on fully comprehensive car insurance.
- A dedicated claims handler manages your motor claim from start to finish at no extra cost to you.
- Comprehensive cover bundles fire, theft, accidental damage and total loss protection alongside optional extras like breakdown assistance and driving other cars.
- A multi-policy discount of up to 10% is available when you hold more than one motor or home policy with RedClick.
Coverage limits
Accidental Damage (Own Damage)
Covered
Comprehensive cover pays for accidental damage to the insured vehicle up to its market value immediately before the loss, as declared in the schedule. RedClick chooses whether to repair, replace, or pay the cash equivalent; the excess shown in the schedule applies to every claim.
Total Loss
Covered
If the vehicle is uneconomical to repair, cannot be repaired, or has been stolen and not recovered, RedClick pays the lower of the value declared by the policyholder or the market value of the vehicle immediately before the loss, based on an engineer's assessment referencing industry guides. Payment is capped at the market value, not a fixed sum.
Partial Loss / Repair Cover
Covered
Repairable damage to the vehicle, its accessories and spare parts (on, in, or in a private garage) is covered under the Own Damage section of Comprehensive cover; RedClick chooses whether to repair or replace damaged parts, subject to the schedule excess.
Theft and Attempted Theft Damage
Covered
Fire, theft and attempted theft damage to the vehicle is covered up to its market value. Cover is void for theft or attempted theft if the vehicle was left unattended and unlocked, or if the ignition keys/keyless-entry device were left in or near the vehicle.
Windscreen Cover
€150
Standard on Comprehensive cover (optional add-on on Third Party Only/Third Party Fire & Theft). Covers repair or replacement of damaged/broken glass in the windscreen or windows (sunroofs, glass roofs and panoramic sunroofs excluded); a maximum of two claims per period of insurance is allowed and claims do not affect the No Claims Bonus. If work is not carried out by RedClick's approved windscreen specialists, payment is capped at €150 for replacement or €50 for repair; the schedule excess applies to replacement but not to repair.
Natural Perils
Covered
Storm, flood and other weather-related damage fall under the general accidental damage cover of Comprehensive; the policy's general exceptions only specifically exclude loss or damage caused by earthquake or underground fire, and loss/damage caused by pressure waves from aircraft travelling at or above the speed of sound.
Malicious Damage / Vandalism
Covered
Comprehensive cover is described as Third Party, Fire & Theft plus cover against loss or damage (accidental or malicious) to the insured vehicle, i.e. malicious damage/vandalism is covered subject to the schedule excess.
Breakdown Assistance and Home Start
Optional
The regulated IPID lists Breakdown Assistance and Home Start under 'Optional extras', and the policy booklet states this section only applies if shown in the schedule of insurance. Marketing pages on redclick.ie state that breakdown assistance is included as standard on fully Comprehensive policies and optional only on Third Party Only/Third Party Fire & Theft, which conflicts with the IPID's optional classification; see conflicts.
Courtesy Car / Hire Car After Theft
€10
Per the current (July 2025) IPID, Comprehensive cover includes a replacement car for up to 10 days after theft (if not recovered within 24 hours) and a courtesy car for up to a maximum of 10 days while the vehicle is repaired by a recommended repairer (7 days if the vehicle is declared a total loss). An earlier policy booklet version stated 5 days for the hire car after theft and no fixed day-cap for the courtesy car (subject to a €320 cost cap if repairs are delayed awaiting overseas parts); the newer IPID figures are used here as the current terms.
Personal Accident Cover
€6,500
Optional extra paying the policyholder or their legal representative up to €6,500 if accidentally injured while travelling in, or getting into or out of, the vehicle and the injury alone results within three months in death, permanent loss of sight in one or both eyes, or loss of one or more limbs. Excludes suicide/attempted suicide and injuries to anyone driving while unfit due to alcohol or drugs.
Key conditions
Driver age and experience limit
The reviewed policy documents do not state a specific minimum or maximum driver age. Any driver must hold a valid full driving licence or valid learner permit for the vehicle being driven, must not currently be banned from driving, and must meet the conditions and limits of that licence; learner permit holders must be accompanied by a full licence holder.
Repair network requirements
Claims are typically handled by RedClick's own recommended/approved repairer network. A courtesy car is only provided while the vehicle is being repaired by one of these recommended repairers, and windscreen repairs/replacements must be carried out by RedClick's approved windscreen specialists to avoid reduced payment caps.
Territorial scope
Cover applies in the Republic of Ireland, Northern Ireland and Great Britain (including the Isle of Man and Channel Islands). Full policy cover automatically extends to other EU member states, and other countries meeting EU minimum insurance requirements, for up to 93 days in any one period of insurance; breakdown assistance and driving-other-cars cover do not apply while abroad.
Anti-theft requirements
The vehicle must not be left unlocked while unattended, and the ignition keys or keyless-entry device must not be left in or near the vehicle. Theft or attempted-theft claims are excluded if these conditions are not met.
Claim notification deadline
Any accident, injury, loss or damage must be reported to RedClick immediately or by the next working day. In the event of theft, attempted theft or malicious damage, An Garda Síochána must be contacted immediately and a copy of the Garda report sent to RedClick confirming the cause of loss.
Deductible rules
Each own-damage, fire or theft claim is subject to the excess shown in the policy schedule, deducted from any payment. Windscreen claims carry a separate excess that does not apply if the glass is repaired rather than replaced; a payment card is required to settle the excess before windscreen replacement work is carried out.
Policy specifics
Breakdown Assistance
24/7 breakdown assistance with home start included as standard on Comprehensive Car policies
SourceVehicle Roadworthiness Requirement
Vehicle must be kept in roadworthy condition and hold valid NCT certificate
SourceClaims Reporting Timeline
Accidents, injuries, loss or damage must be reported immediately or next working day
SourceValid Driving License Requirement
Driver must hold valid license or learner permit and not be banned from driving
SourceTerritorial Coverage Limits
Coverage applies in Republic of Ireland, Northern Ireland, Great Britain and EU countries
Source14-Day Cooling-Off Period
Right to cancel policy within first 14 working days with full premium refund
SourceThird Party Liability Limits
Third party property damage covered up to €30 million; unlimited personal injury cover
SourceAccidental Damage Coverage
Comprehensive cover includes cover for accidental damage (malicious or otherwise) to insured vehicle
SourceSources
- https://www.connect.redclick.ie/media/2461/download
- https://www.redclick.ie/car-insurance
- https://www.redclick.ie/car-insurance/car-policy-cover-options
- https://www.redclick.ie/car-insurance/comprehensive-car-insurance
- https://www.redclick.ie/sites/redclick/files/documents/Private%20Motor%20Policy%20Summary%20V1.9.pdf