Car Insurance - What We Cover

123.ie is all about great cover with great service so when your Car Insurance is with us, you know you’re in good hands. You can have peace of mind knowing that there’s a whole team of insurance professionals based in Dublin ready and willing to help you with whatever you need.

We offer two levels of cover with great features and benefits to suit your needs and budget.

1. Comprehensive 

If you have an accident, we’ll pay for the cost of repairs to your car and cover any other damage to another vehicle or injury to third parties. You’re also covered against loss of or damage to your car through fire or theft, loss of personal belongings and  windscreen damage. We will cover the cost of emergency overnight accommodation too and provide you with a replacement car as soon as possible while yours is being repaired. 

2. Third Party, Fire & Theft

123.ie Third Party, Fire & Theft covers damage you cause to another vehicle and or injury to third parties. It also covers loss of or damage to your car through fire or theft.

The difference between this and our Comprehensive cover is that Third Party, Fire & Theft doesn't cover your own vehicle if it's damaged in an accident. 

Can't decide which policy type would suit you? Compare the benefits below:

 Third Party, Fire and Theft                      Comprehensive
Legal Liability to Others  
Driving other Motor Cars  
Accidental Damage to Your Car  
Loss of or Damage to Your Car casued by Fire or Theft  
Windscreen and Window Damage  
Using your Car Abroad  
No Claim Discount Protection Optional  
Personal Accident Benefits  
Personal Belongings  
Accident and Emergency Cover  
Emergency Overnight Accommodation  
Breakdown Assistance  
No Claim Discount - Step Back  
Motor Legal Assist Cover Optional  
Key Care Cover Optional  
The benefits listed are the standard 123.ie Car Insurance policy benefits for each policy type but may vary in some cases. Please refer to the Policy Details section of your Schedule or Renewal Invitation to see the sections applicable to your policy. For full cover details, limits and exclusions please refer to the policy booklet.