RedClick Motor third-party liability (Third Party Only)

Under Section 1 (Liability to Others), RedClick pays fees for a solicitor it appoints to represent the policyholder at a coroner's inquest or fatal accident enquiry, and fees for legal representatives instructed to defend the policyholder against a charge of manslaughter or causing death by careless or dangerous driving, where RedClick considers there is a reasonable chance of success. No monetary cap is stated for this benefit.

The policy automatically provides the minimum cover required by law to use the vehicle in any EU member state and in any other country that has made arrangements to meet the European Commission's minimum insurance requirements, and automatically extends full policy cover (as shown on the schedule of insurance) to these countries for up to 93 days in any one period of insurance. Breakdown Assistance and Driving Other Cars sections do not apply while the vehicle is abroad. For longer trips or other countries, the policyholder must request cover in advance, provide travel dates and destination countries, and pay any extra premium required.

Optional extra (Section 6, shown on the schedule of insurance if selected) covering one hour's labour at the roadside or at home, including refuelling or towing to the nearest EV charge point, and towing to the nearest garage able to carry out an effective repair or to a garage of choice. If repairs cannot be completed at the breakdown location and the vehicle is away from home, RedClick pays up to €150 for onward transport, a replacement vehicle for up to 48 hours, or B&B accommodation (up to €35 per person, €150 in total). In England, Scotland and Wales, cover includes a replacement car for up to 48 hours (up to £100) or towing to the departure port (up to £250). Maximum of three call-outs per period of insurance; assistance not covered outside the territorial limits or if not pre-authorised via the 24-hour helpline; not available together with foreign use cover extensions. Using this cover does not affect the no-claims bonus.

Optional Personal Accident extra, available for an extra premium if shown on the schedule of insurance, pays the policyholder (or legal representative) €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. Maximum payable is €6,500 per period of insurance; excludes suicide/attempted suicide and injury while driving unfit due to alcohol or drugs. This benefit is set out under Sections 2-4 of the policy booklet (Own Damage, Fire, Theft) but is listed by RedClick's IPID as a general optional extra not restricted to a specific cover tier.