Young & Inexperienced Drivers - My Policy Cover
Do you cover motorbikes?
123.ie currently does not offer insurance for motorbikes under our Car Insurance policies. Feel free to contact us if you need any help with finding suitable alternatives.
I got an error when buying online, am I covered?
If your payment to 123.ie goes through successfully, your cover kicks off from the start date and time you selected. You’ll see a confirmation screen showing the amount paid and thanking you for your purchase.
But if you hit an error before entering your card details, your policy isn’t active. For more info on payment errors and what they mean for your cover, see I got an error while buying insurance—am I covered?.
I am due to purchase a new car soon. Do I need to ring and let you know the new car registration details?
Yes, you will need to contact us so we can change your vehicle onto your policy and this will also suspend the tracking in your old vehicle. You can do this through our call centre or through the online portal.
If I lock myself out of my car at night will assistance be provided?
Yes, you can ring the Keycare Emergency Helpline on +353(0)1 5181412, 24 hours a day, 365 days a year and assistance will be provided by Keycare.
If my keys are lost/stolen whilst outside of Ireland, can I make a claim?
All keys whether lost or stolen whilst in the European Union are covered and your 123.ie Car Insurance policy is active at the time. You will have to arrange for a locksmith to attend the scene as the Keycare locksmith network only covers the ROI. Please retain all receipts for work done as Keycare will require these in order to reimburse you.
My house/car keys have been stolen from my handbag. If I make a claim for replacement locks will this affect my no claims discount on my home/motor insurance policies?
No, claims through Keycare do not affect your No Claims Bonus.
Do I need to pay the finder the €10 reward?
No. The reward will be sent directly by Keycare Limited to the person who found your keys.
Are any other keys covered under this policy?
You can attach your keyfob to as many keys as you like e.g. car, house, garage, office and they all will be covered up to 3 keys per lock. Cover is provided subject to your Keycare membership being in force and your Car Insurance policy being active at the time of loss.
How many times a year can I make a Keycare claim?
You can make an unlimited number of claims up to the €1,500 cover limit per registered key fob.
How many keys can I attach to my keyfob?
As many as you choose. Cover is only provided for keys that belong to you.
What excess do I need to pay?
There is no excess on your Key Care membership.
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Similar articles that might help:
• My Policy Documents
• My Policy Cover
• Inaccessible
• Payments & Direct Debits
• Making a Change to my Policy
• Renewing my Insurance
• Before you Insure
• Contact Us
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If I am involved in a serious accident, will you contact emergency services?
Yes, if you are involved in a serious accident, all the appropriate steps should be taken to protect for your safety and report any incident to the appropriate emergency services and to us.