How do I get a copy of my No Claims Bonus?
Getting your No Claims Bonus (NCB) certificate from 123.ie is quick and easy. Here’s how:
Accessing Your NCB Online
- Log in to Your Account – Visit the My123 Portal and sign in.
- Find Your Renewal Offer – Your NCB is included in your renewal pack, available in your account documents.
- Download & Print – Once located, you can download and print your NCB certificate for your records or to provide to a new insurer.
Receiving Your NCB by Email or Post
- Email – If you’ve provided an email address, we may have sent your renewal pack (including your NCB) directly to your inbox. Check your email for this document.
- Post – If we don’t have an email on file, your NCB would have been mailed to your registered address.
What If Your Policy Was Cancelled Mid-Term?
If your policy was cancelled mid-term and there were no outstanding balances, you can request a claims history letter. If you didn’t receive it or need another copy, we can help.
Understanding No Claims Discount (NCD) Rules
- If you don’t make a claim, your NCD increases annually up to the maximum discount allowed.
- If you make a claim, your discount may reduce depending on your level of NCD protection:
- No NCD Protection – Your discount resets to zero.
- Step-Back NCD Protection – Your NCD is reduced by three stages on the discount scale.
- Full NCD Protection – Your first claim within three years won’t affect your discount, but further claims will step back your discount.
- Some claims won’t impact your NCD, such as windscreen damage or keycare claims.
Need Help? Contact Us!
If you need your NCB resent or have trouble accessing it, our Customer Care Team is here to help:
- Call - 01 524 6029 (during business hours)
- Email - info@123.ie (Make sure to email us from the address linked to your policy for verification).
- Tip - Keep your contact details up to date to receive important policy documents on time.