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What type of cover does 123.ie offer?
- Comprehensive cover protects you from 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.
Features
- Step Back No Claims Bonus
- Driving Other Cars Extension (For drivers 25 and over with a Full Licence)
- Fire Brigade Charge - 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
- European Cover Free up to 30 Days
- Windscreen Repair / Replacement
- Temporary Courtesy Car if using a Travelers Approved Repairer
- Emergency Overnight Accommodation - up to €380
- Medical Expenses - up to €250
- Personal Effects - up to €300
- Personal Accident - up to €5000
- 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.
Features
- Step Back No Claims Bonus
- Driving Other Cars Extension (For drivers 25 and over with a Full Licence)
- Fire Brigade Charge - 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
- European Cover Free up to 30 Days
- Third Party only protects you from claims made by Third Parties, including passengers for personal injuries or damage to their property.
Features
- Step Back No Claims Bonus
- Fire Brigade Charge - up to €1500
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
- Van
- Car van
- Motorcycle
Is open driving cover available?
- No, 123.ie does not provide open driving cover
Will you quote me if I have:
A Provisional licence?
Yes, provided you have a minimum 1 year No Claim Bonus earned in your name within the last 2 years or a minimum of 1 year Named Driving Experience gained in the last 30 days
An international driving licence?
Clients must currently hold a current Provisional Irish Licence or a Full Irish or EC Driving Licence only
No driving experience or Named Driving Experience?
Yes, but you must be at least 30 years of age.
Penalty points?
Yes, provided you have no more than 4 Penalty Points on your current driving licence
Convictions?
No, you must not have been convicted of any offences of any nature and have no convictions pending
How can I pay for the premium?
- By credit card or laser card at no extra charge
- By cheque, bank draft or postal order made payable to 123.ie at no extra charge
- By direct debit over 10 months (at an extra cost - details provided at time of quote)
How do I get my disc?
- In order for 123.ie to issue your annual insurance certificate and disc, we must be in receipt of, where applicable, proof of No Claims Bonus or Named Driver Experience. This documentation must be supplied within 10 days of inception date and can be Faxed, Emailed or Posted to us.
What is the excess on my Insurance policy?
Is Breakdown assistance included in the 123.ie Policy?
- Both our Comprehensive and Third Party Fire and Theft cover includes 24 Hr Breakdown Assist, 365 Days a year, covering:
- Republic of Ireland - 1800 945 818
- Northern Ireland - 00 353 91 560691
What if I am involved in an accident/claim?
- Notify the claims helpline immediately on 1850 200 105. It is open 24 hours a day.
- For a Windscreen Claim - call Allied Irish Windscreens on 1850 512 345 (only for fully comprehensive policies)
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. If you cancel your motor insurance policy during the first year of insurance, the Insurer's short period rates will apply for the time the policy has been in force. The short period rates are as follows:
| 1st month | 20% |
| 2nd month | 30% |
| 3rd month | 40% |
| 4th month | 50% |
| 5th month | 60% |
| 6th month | 70% |
| 7th month | 80% |
| 8th month | 90% |
| 9 months plus | 100% |
Cooling-Off Period
You have the right to withdraw from your policy, within 14 days from the inception date of your policy or the date you receive your policy documents, whichever is later. To withdraw from a policy within the cooling off period, you need to send us a request in writing inclusive of your policy number and return (if received) your Certificate of Insurance and Disc. Should you exercise your right to withdraw, it will mean no policy was ever put in place and provided that you have not made a claim, we will refund you any premium paid in full. If you have used the policy and should you exercise your right to withdraw, provided that you have not made a claim, we will only charge you for time on cover. Please note that our set up fee is non refundable if you choose to withdraw from the policy within the cooling-off period.
Can I view the Policy Booklet?
- Yes, the policy booklet can be found here
Who is the underwriter of the insurance policy?
- 123.ie Motor policy is underwritten by Travelers Insurance Company Limited.
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