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123GO - What We Offer

At 123.ie, we're always trying for better. That's why we created 123GO young drivers Car Insurance. 123GO is all about getting young and inexperienced drivers on the road. Our simple black box solution will have you out and about in no time. 

How does 123GO work?

Once you purchase your 123GO policy, we'll install a small black box in your car which will monitor your driving. Once you have the 123GO Box installed in your car, it starts transmitting data. We'll send you an update each month on your usage.

123GO is a kilometre-based policy so you can drive for the number of kilometres you select during this quote. If you need to, you can call us to top up your kilometres during the year. 

123GO encourages safe and responsible driving. If we detect excessive speeding, you will be issued with a speeding alert. We operate a three-strike system. This means on your third excessive speeding event, your policy will be cancelled. However, if we deem your driving to be 'Unacceptable', we have the right to cancel your policy with immediate effect. Remember that cancellation could impact your ability to get motor insurance in the future. 

Bear in mind that the 123GO Box will continue to record how the car is driven regardless of who is driving the car. 

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

123.ie 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.