RedClick Casco (own-damage car insurance) (Casco Comprehensive)

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.

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.

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.

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.

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.

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.

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.

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.

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.