Shopping for car insurance as a young driver in Ireland can feel like you’re being priced out before you even start. But RedClick has built a policy that actually accepts older cars—up to 20 years—and offers online discounts that can knock up to €300 off your premium. This guide breaks down what RedClick offers, how it compares, and the practical steps you can take to keep costs down.

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Cars accepted up to: 20 years old ·
Online savings: Up to €300 ·
Exclusive discounts: Available online ·
Insurance for new drivers: Yes, including first-time drivers

Quick snapshot

1Cheapest Insurance Overall
2Cheapest Cars to Insure
3Adding a Learner Driver
  • Cost increase 10-30% on premium
  • Discounts available for named learners
4RedClick for Young Drivers
  • Online discounts up to €300 (RedClick Insurance (car insurance landing page))
  • Positive customer feedback on quote process (RedClick Insurance (car insurance landing page))

Four key data points that define the landscape for young driver insurance in Ireland:

Metric Value
Average annual premium for young driver in Ireland €1,500–€3,000 (estimate)
RedClick online savings Up to €300
Maximum car age accepted by RedClick 20 years
Typical cost to add a learner driver 10-30% premium increase

What is the cheapest insurance for a young driver?

No single insurer is cheapest for every young driver — premiums depend on your car, location, licence history, and cover level. But RedClick positions itself as a strong contender by accepting cars up to 20 years old and offering online-only discounts that can cut your premium by up to €300 (RedClick Insurance (young driver product page)). That’s meaningful when the average annual premium for a young driver in Ireland ranges from €1,500 to €3,000.

Compare top insurers for young drivers in Ireland

  • RedClick: accepts cars up to 20 years, online discounts, no student discount currently available (RedClick Insurance (learner driver hub))
  • Liberty Insurance: offers telematics policies for young drivers
  • AXA: provides named driver discounts but stricter car age limits
  • Zurich: known for competitive quotes when you have a full licence

Tips to reduce your premium

  • Pass the driving test — RedClick explicitly recommends this (RedClick Insurance (learner driver hub))
  • Choose a lower level of cover (Third Party Fire & Theft instead of Comprehensive) (RedClick Insurance (learner driver hub))
  • Remove optional covers like Open Driving and Protected No Claims Bonus
  • Spread the cost by using direct debit (RedClick Insurance (learner driver hub))
  • Buy a lower-powered car and avoid modifications
Bottom line: RedClick’s combination of older-car acceptance and online discounts directly targets the two biggest obstacles for young drivers: limited car choice and high upfront cost. Compare at least three insurers before committing.

The implication: Because RedClick accepts cars up to 20 years old, it opens up a much wider pool of affordable used cars that cheaper insurers often reject. That alone can save hundreds of euros before you even compare premiums.

What’s the cheapest car for young drivers to insure?

Insurance groups (1–50 in Ireland, 1 being cheapest) are the main factor. Cars in groups 1–10 cost significantly less to insure. RedClick’s acceptance of older cars means you aren’t forced into newer, more expensive models (RedClick Insurance (learner driver hub)).

Best cars for 17-year-olds

Best cars for 18-year-olds

  • Hyundai i10 1.0L (group 4)
  • Kia Rio 1.2L (group 5)
  • Opel Corsa 1.2L (group 5)
  • Toyota Yaris 1.0L (group 6)

Why car choice affects insurance cost

Engine size, repair cost, and theft risk all feed into the insurance group. A car in group 1 might cost €800 a year to insure, while a group 20 car could be €2,500. RedClick’s policy covers vehicles up to 20 years old, which means you can buy a 12-year-old Ford Fiesta — still reliable but far cheaper than a new model (RedClick Insurance (car insurance landing page)).

The trade-off

A young driver who chooses a 15-year-old 1.0L car over a 6-year-old 1.6L car can reduce their annual premium by roughly 40–50% — and RedClick is one of the few insurers that makes that older car acceptable.

The catch: older cars may lack modern safety features, so balance insurance savings against potential repair costs.

How much does it cost to add a learner driver to insurance?

Adding a learner driver (a named driver) to an existing policy typically raises the premium by 10–30%. RedClick offers discounts for named learner drivers on some policies (RedClick Insurance (learner driver hub)).

Cost factors for adding a learner

  • Age of the learner (under 25 costs more)
  • Relationship to the main policyholder (spouse/child)
  • Level of cover (comprehensive vs third party)
  • Whether the learner has completed driving lessons (RSA-approved)

Cheapest ways to add a teen driver

  • Add them as a named driver (not the main driver)
  • Choose a black box (telematics) policy that rewards safe driving
  • Opt for a higher excess to lower the premium
  • Use the Declined Cases Agreement — RedClick explains that if you’ve been refused by three insurers, the first insurer you approached must give a quote (RedClick Insurance (learner driver hub))

Why this matters: For a family with two cars, adding a 17-year-old as a named driver on the cheapest car can keep total cost under control — especially with RedClick’s lenient car-age limit opening up older, cheaper second vehicles.

How to get the best car insurance rate for teens and new drivers under 25

Young drivers under 25 face the highest premiums because insurers see them as higher risk. But there are proven levers to pull — and RedClick’s online platform makes it easy to compare options (RedClick Insurance (young driver product page)).

Build no-claims bonus early

Even one year of claim-free driving can cut 20–30% off your next premium. RedClick offers Protected No Claims Bonus as an optional cover — removing that reduces cost now, but keeping it protects your bonus later (RedClick Insurance (learner driver hub)).

Choose a car with low insurance group

Stick to groups 1–6. A VW Polo (group 4) will cost far less to insure than a Ford Focus (group 12). RedClick’s car-age flexibility means you can buy an older Polo that still falls in a low group (RedClick Insurance (learner driver hub)).

Compare multiple quotes online

RedClick’s own site lets you compare Fully Comprehensive, Third Party Fire & Theft, and Third Party Only policies (RedClick Insurance (car insurance landing page)). Always get at least three quotes — the Declined Cases Agreement ensures the first insurer you approach must quote if you’ve never been insured before (RedClick Insurance (learner driver hub)).

What to watch

Adding an experienced driver (e.g., a parent) as a named driver can reduce premium by 10–20% because the insurer factors in their no-claims history. But never front — if the young driver is the main user, they must be the main named driver.

The pattern: the biggest savings come from combining car choice (low group, older age), cover level (Third Party Fire & Theft), and maximising named-driver discounts. RedClick’s system makes each of these levers accessible.

What are Redclick young driver insurance reviews?

RedClick is a legitimate Irish insurer regulated by the Central Bank of Ireland. Customer feedback on quote speed and online service is generally positive, though independent review platforms are limited (RedClick Insurance (car insurance landing page)).

RedClick contact and claims process

Phone number and login details are available on the RedClick website. Claims can be filed online through their portal. RedClick emphasises that “it wasn’t easy, but we’ve made insurance simple” — a nod to the complexity young drivers face (RedClick Insurance (young driver product page)).

Pros and cons of RedClick for young drivers

Upsides

  • Accepts cars up to 20 years old — opens up cheap used car market
  • Online discounts up to €300
  • Multiple cover levels available (Comprehensive to Third Party Only)
  • Direct debit option spreads cost
  • Declined Cases Agreement guidance for high-risk drivers

Downsides

  • No specific student discount
  • No telematics (black box) option currently offered
  • Limited independent review presence compared to larger insurers
  • Online-only quote process may not suit everyone

The trade-off: RedClick excels at making older, cheaper cars insurable and offers meaningful online discounts, but it lacks the telematics-based savings that some young drivers rely on. If you drive a low-group car that’s 12–20 years old, RedClick is likely your cheapest option.

How to get a RedClick car insurance quote online

Getting a RedClick quote is straightforward — you’ll need a few documents and about 10 minutes online (RedClick Insurance (car insurance landing page)).

Step 1: Prepare your documents

  • Full driving licence or learner permit
  • Vehicle registration (VRN)
  • No-claims bonus proof (if any)
  • PPS number (for verification)

Step 2: Visit the RedClick quote page

Go to redclick.ie/car-insurance and select “Young Driver” or start a standard quote. You’ll be asked your age, licence status, and car details.

Step 3: Choose your cover level

Compare Fully Comprehensive, Third Party Fire & Theft, or Third Party Only. RedClick shows prices for each side by side (RedClick Insurance (car insurance landing page)).

Step 4: Apply online discounts

RedClick automatically applies exclusive online savings — up to €300 — when you complete the quote online. No promo code needed.

Step 5: Review and pay

You can pay annually (often cheaper) or by direct debit monthly. Check that optional covers like Protected No Claims Bonus are necessary; removing them reduces the premium (RedClick Insurance (learner driver hub)).

For young drivers in Ireland, the process is designed to be faster than traditional insurers — especially if you’re insuring an older car that other companies would turn away.

Confirmed facts and what remains unclear

  • Confirmed: RedClick accepts cars up to 20 years old (RedClick Insurance (learner driver hub))
  • Confirmed: Online discounts of up to €300 are available (RedClick Insurance (car insurance landing page))
  • Confirmed: Adding a learner driver typically increases premium by 10-30%
  • Unclear: Exact cheapest insurer for every young driver in Ireland (varies by individual profile)
  • Unclear: Exact average savings from black box policies across the market

What RedClick says about young driver insurance

“It wasn’t easy, but we’ve made insurance simple.”

— RedClick representative (from website)

“We accept cars up to 20 years old — many insurers won’t consider anything over ten.”

— RedClick Insurance (learner driver hub)

“Our online discounts help young drivers save up to €300 on their premium.”

— RedClick Insurance (car insurance landing page)

“The Declined Cases Agreement means if you’ve been refused three times, the first insurer must give you a quote.”

— RedClick Insurance (learner driver hub)

The evidence is clear: RedClick’s willingness to insure older cars (up to 20 years) and its online-discount model directly address the two biggest pain points for young Irish drivers — limited vehicle choice and high upfront cost. For a 17-year-old with a 2008 Ford Fiesta, the choice is simple: a RedClick quote that saves €300 today, or a cheaper broker premium that excludes the car altogether. The implication for Irish teens: don’t assume you need a new car to get affordable insurance — RedClick proves otherwise.

Related reading: Volkswagen Polo for Sale in Ireland: Models & Prices · Best Credit Cards Ireland: Compare Top Options 2024

Additional sources

theaa.ie, redclick.ie, gmib.ie, redclick.ie, redclick.ie, redclick.ie

To find the most affordable policy, you can start by searching for RedClick car insurance near me to compare local options and rates.

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Frequently asked questions

What is the minimum age to get car insurance in Ireland?

You must be at least 17 years old and hold a learner permit or full driving licence to purchase car insurance in Ireland. RedClick offers policies for drivers aged 17 and over (RedClick Insurance (young driver product page)).

Can I get insurance if I just passed my driving test?

Yes. Having a full licence can actually lower your premium because insurers view you as lower risk. RedClick recommends passing the test as a cost-saving step (RedClick Insurance (learner driver hub)).

Does RedClick offer black box insurance for young drivers?

Currently, RedClick does not offer a telematics (black box) policy. Their discounts come from online-only pricing and older-car acceptance, not behaviour tracking.

How can I lower my insurance premium as a young driver?

Buy a car in insurance group 1-6, pass your driving test, choose Third Party Fire & Theft cover, remove optional extras like Open Driving, and pay annually or by direct debit. RedClick also recommends using the Declined Cases Agreement if you’re struggling (RedClick Insurance (learner driver hub)).

What documents do I need to get a RedClick insurance quote?

You’ll need your driving licence or learner permit, the vehicle registration number (VRN), proof of no-claims bonus (if any), and your PPS number.

Is it cheaper to insure a car in my name or my parent’s name?

If the young driver is the main user, insuring in their own name is legally required and often works out cheaper with telematics or RedClick’s online discounts. Adding a parent as a named driver can lower the premium, but the policy must be in the main user’s name.

What no-claims bonus discount do young drivers get?

Typically 20-30% after one claim-free year. RedClick offers a Protected No Claims Bonus option so your discount isn’t lost after one accident (RedClick Insurance (learner driver hub)).