Van Insurance - My Policy Cover
What happens after you purchase a van policy with 123.ie?
What happens after you purchase a van policy with 123.ie?
Once your Van policy is active, you'll receive your policy documents via email or post within 3–5 working days. If you haven't received your certificate or disc yet, you might need to send us extra documentation - see What happens after purchasing a van policy? for more details.
What is Full No Claims Bonus and Step Back No Claims Discount protection?
Full No Claim Discount Protection allows you to make one claim within a consecutive three-year period without it affecting your No Claim Discount.
| No Claims Discount | No Claims Discount Reduction |
| Stage 5 on the Discount Scale | Remains at Stage 5 |
| Stage 4 on the Discount Scale | Remains at Stage 4 |
| Stage 3 or less on the Discount Scale | Remains at Stage 3 |
However, if you make a second claim under this Policy during a consecutive 3-year period, Step Back applies, and we will reduce any previously earned No Claims Discount at the next renewal by 3 stages.
Step Back No Claim Discount Protection
If you have a Step back No Claims Bonus protection, and you make a claim within the period of insurance, the No Claims Discount will be reduced by 3 stages at the next renewal as shown below:
| No Claims Discount | No Claims Discount Reduction |
| Stage 5 (Maximum) on the Discount Scale | Reduced to Stage 2 |
| Stage 4 on the Discount Scale | Reduced to Stage 1 |
| Stage 3 or less on the Discount Scale | Reduced to Stage 0 |
Is Breakdown assistance included in my 123.ie Van policy?
Yes. Both our Comprehensive and Third Party Fire and Theft policies include 24 hour Breakdown Assistance, 365 days a year, covering the island of Ireland. To avail of this service please contact 01 832 8358.
What is driving of other vans?
Driving of other vans means you are covered to drive someone else’s van on a third party basis, provided the van is not owned by you and you have the owners permission to use the van. This is for the policyholder only who has a full driving licence (other terms & conditions apply see policy booklet).
Can I transfer my No Claims Bonus if I want to change from a car to a van?
Absolutely, yes. We can arrange to match the No Claims Bonus you have earned on your private car and transfer this discount to the van if you are not using that No Claims Bonus on any other motor policy.
Is windscreen cover included on my Van insurance policy?
Yes, we will pay for the breakage or repair of glass in the windscreen and windows of your van, including any scratching of the bodywork directly resulting from such breakage, where a claim is processed through our approved windscreen glass repairer.
Is my van covered to tow a trailer?
Yes, we will cover you to tow a trailer provided it is a single-axle trailer not exceeding one half tonne unladen weight. You are not covered to tow caravans, mobile homes, trailer tents, boat trailers, and any trailer which incorporates machinery or other equipment. This will be covered on a third party only basis.
What type of vans do 123.ie cover?
The 123.ie Van policy is for Light commercial vehicles. These are vehicles which have a gross vehicle weight or maximum authorised mass not exceeding 3.5 tonnes which can be legally driven by a Class B driving licence holder, excluding quad bikes, agricultural vehicles, private cars, and any Tool of Trade. Your vehicle must be registered as a light commercial vehicle (LCV).
What is the excess on my insurance policy?
This is the amount that the policyholder must pay towards a claim. The excess applicable to your policy is stated on your Insurance Schedule.