01 524 6000

01 524 6000

Mon-Fri 8am-8pm | Sat 9.30am-6pm

Car Insurance FAQs

Acceptance criteria and terms and conditions apply to all our policies. The FAQs should be used as a reference tool only and you should refer to your policy pack for full details of your cover including definitions.
What type of cover does 123.ie offer?

Our Comprehensive Extra and Comprehensive Lite policies protects you for claims made for accidental damage to your own car as well as claims by Third Parties, including passengers for personal injuries or damage to property. You are also protected in the event of damage to or loss of your car by fire, theft or attempted theft. For the additional benefits for these policies please see below:

Features of our Comprehensive Extra policy:

  • Step Back No Claims Bonus Protection
  • Driving Other Cars Extension (For drivers 25 and over with a Full Licence)
  • Fire Brigade Charges - up to €1,500
  • Replacement Locks - up to €1,000
  • 24 Hr Breakdown Assist, 365 Days
  • Permanently Fitted Radio/Audio - up to €500
  • New Car Replacement
  • Windscreen Repair / Replacement
  • Temporary Courtesy Car while your vehicle is being repaired, subject to you making a valid claim and deciding to use one of the Approved Repairers recommended by the Insurer. Restrictions apply so please contact our Claims department first.
  • Emergency Overnight Accommodation - up to €380
  • Medical Expenses - up to €250
  • Personal Effects - up to €300
  • Personal Accident - up to €5,000

Features of our Comprehensive Lite policy:

  • Fire Brigade Charges - up to €1,500
  • Replacement Locks - up to €1,000
  • Permanently Fitted Radio/Audio - up to €500
  • New Car Replacement
  • Temporary Courtesy Car while your vehicle is being repaired, subject to you making a valid claim and deciding to use one of the Approved Repairers recommended by the Insurer. Restrictions apply so please contact our Claims department first.

Third Party Fire and Theft cover protects you from claims made by Third Parties, including passengers for personal injuries or damage to their property. You are also protected in the event of damage to or loss of your car by fire, theft or attempted theft. For the additional benefits for these policies please see below:

Features of our Fire and Theft Extra policy:

  • Step Back No Claims Bonus Protection
  • Driving Other Cars Extension (For drivers 25 and over with a Full Licence)
  • Fire Brigade Charges - up to €1,500
  • Replacement Locks - up to €1,000
  • 24 Hr Breakdown Assist, 365 Days
  • Permanently Fitted Radio/Audio - up to €500
  • New Car Replacement

Features of our Fire and Theft Lite policy:

  • Fire Brigade Charges - up to €1,500
  • Replacement Locks - up to €1,000
  • Permanently Fitted Radio/Audio - up to €500
  • New Car Replacement
What type of vehicles does 123.ie cover?

The 123.ie policy is for private motor vehicles up to a maximum of 7 seats for private use.

  • Some makes and models are excluded
  • Some categories are also excluded

The following list (this list is not exhaustive) is an example of categories excluded.

  • Taxi
  • Motorcycle
  • Commercial Vehicles
Is open driving cover available?

No, 123.ie does not provide open driving cover.

How can I pay for the premium?
  • By credit card or debit card at no extra charge.
  • By cheque, bank draft or postal order made payable to 123.ie at no extra charge (please ensure to write your name and reference number at the back).
  • By monthly direct debit - an extra cost applies, details provided at time of quote.
What is the excess on my insurance policy?

This is the amount that the policyholder must pay towards a claim. The excess applicable to your policy is stated on your Insurance Schedule.

Is Breakdown Assistance included in my 123.ie Policy?

Both our Comprehensive Extra and Third Party Fire and Theft Extra policies include 24 hour Breakdown Assistance, 365 days a year, covering the island of Ireland. To avail of this service please contact 01 - 832 8358 .

What if I am involved in an accident/claim?

If you are involved in an accident please see our claims section for further details. For windscreen claims, please see our windscreen cover section for further details.

What if I want to cancel my policy?

All cancellation instructions must be submitted to 123.ie in writing. If the insurance certificate and disc have been issued, these must also be returned before your policy can be cancelled. A cancellation fee may apply and if you cancel your motor insurance policy during the first year of insurance, the insurer's short period rates will apply. Please refer to the policy booklet and Terms of Business you received for more details.

Can I view the Policy Booklet?

Our current policy booklet is available here.  To receive a copy of your policy document that you received when you purchased your policy, please contact us or call us on 01 524 6000 and we can arrange same

Who do I contact if I need to claim abroad in the EU?

Please contact one of our EU claims representatives. A full list of contact details is available here.