No one likes to think about the possibility that one day something might happen to your car. At 123.ie, we offer flexible excess options to suit your needs. You can choose from €300, €500, and €750. This gives you more control over your premium and how much you’d pay if you ever need to make a claim. 

The excess is the first amount of any claim that you have to pay yourself. If there is a claim on your policy the payment that the insurance company makes will have the policy excess deducted.

Your no claims discount may also be affected if you choose to make a claim. You can find full details of how a claim will affect your no claims discount here.

There may be an additional premium applied at your renewal depending on claims history.

At 123.ie, the standard excess is €500 for our Comprehensive and Third Party, Fire & Theft policies. 

You have the option to choose a different excess when getting a quote: 

• €300 – Lower excess, higher premium 
• €500 – Standard 
• €750 – Higher excess, lower premium 

You can check what your excess is on your insurance schedule in the policy details section. 

Note: There is no excess on windscreen or Keycare claims. 

Yes, at 123.ie you have the flexibility to choose your Car Insurance excess. 
The standard excess is €500, but you can adjust it to suit your needs: 

• €300 – Lower excess, higher premium 
• €500 – Standard 
• €750 – Higher excess, lower premium 

Choosing a higher excess can help reduce your premium, giving you more control over your policy cost. At 123.ie, we’re proud to offer one of the best policies on the market, with more benefits included as standard. 

There are a number of factors to consider when making a claim: 

• Making a claim will likely affect your no claims bonus. Consider what your no claims bonus will be at your renewal time compared to the cost of your repairs. 
• At 123.ie, the excess amount on our Car Insurance policies can be chosen, - €300, €500 (standard), or €750. So consider this amount compared to the cost of your repairs.