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123GO - What We Offer is all about great cover with great service so when your Car Insurance is with us, you know you're in good hands. You can have peace of mind knowing that there's a whole team of insurance professionals based in Dublin ready and willing to help you with whatever you need.

How does 123GO work?

123GO is a simple black box solution. Once you purchase your 123GO policy, we'll install a small black box in your car which will monitor your driving style. Once you have the 123GO Box installed in your car, it starts transmitting data. The 123GO Driver Score calculates your driving score based on the information captured via the black box about each journey taken in your car. This includes data about: 

  • Speed - are you driving within the speed limit
  • Smoothness - how hard you accelerate, brake and corner
  • Usage - how much driving you do at night, the number of journeys you take and if you're driving for long periods without a break.

You can log into the 123GO mobile app and monitor your scores at any time. The app also provides useful tips on how to improve your scores for speed, smoothness and usage. Every time you drive, you have an opportunity to improve your score. So, the better you drive, the less you pay with us.

Bear in mind that the 123GO Box will continue to record how the car is driven regardless of who is driving the car and these measurements will contribute to your driving style score. 


We offer 2 levels of cover on 123GO with features and benefits to suit your needs and budget.


1. Comprehensive

If you have an accident, we'll pay for the cost of repairs to your car and cover any other damage to another vehicle and injury to third parties. You're also covered against loss of or damage to your car through fire or theft, loss of personal belongings and windscreen damage. We will provide you with a replacement car as soon as possible while yours is being repaired.

2. Third Party, Fire & Theft Third Party, Fire & Theft covers damage you cause to another vehicle and injury to third parties. It also covers loss of or damage to your car through fire or theft.

The main difference between this and our Comprehensive cover is that Third Party, Fire & Theft doesn't cover your own vehicle if it's damaged in an accident.

Can't decide which cover type would suit you? Compare the benefits below:
  Third Party, Fire and Theft                       Comprehensive
Legal Liability to Others    
Accidental Damage to Your Car    
Loss of or Damage to Your Car caused by Fire or Theft    
Windscreen and Window Damage Cover    
Using your Car Abroad    
Personal Accident Benefits    
Personal Belongings    
Accident and Emergency Cover    
Emergency Overnight Accommodation    
Breakdown Assistance    
Step Back No Claims Bonus Discount Protection     
Key Care Cover    
No Claims Discount ProtectionOptional    

The benefits listed are the 123GO Car Insurance policy benefits for each policy type but may vary in some cases. Please refer to the Policy Details section of your Schedule or Renewal Invitation to see the sections applicable to your policy. For full cover details, limits and exclusions please refer to the 123GO policy booklet.