123.ie Breakdown Assist.
Breakdown Assist is a 24/7 accident, emergency breakdown and home-start recovery service that’s included for all 123.ie Car Insurance clients - and using it won’t affect your no claims bonus.
Windscreen Damage
123.ie windscreen cover allows you to claim for the repair or replacement to the glass of your car due to accidental damage (excludes the car mirrors).
Accident & Emergency Cover
We will refund medical expenses up to the sum of €100 per person, for You or the driver or any other occupant of Your Car in connection with any bodily injury caused by violent accidental external and visible means in direct connection with Your Car.
Accidental Damage to Your Car
We will pay for any claim for loss of or damage to your car and spare parts up to the market value of your car at the time of the loss or damage. The maximum we pay will never be more than the value of your car that was last declared to us.
Driving of Other Cars
Driving other motor cars is offered on our Third Party, Fire & Theft and Comprehensive policies. In general, this benefit is only available to policyholders over 25 with a full licence. However you should check your insurance schedule under the policy details section to confirm if you have this benefit. All cover in this section applies only to the policyholder. You will only be covered for third party loss or damage if you do not have Comprehensive insurance.
Keycare cover up to €1,500
Losing your car keys can be a major headache. So we’ll help you handle the hassle with Key Care cover, included as standard with all our Comprehensive policies.
Excess €300
No one likes to think about the possibility that one day something might happen to your car. At 123.ie we have a low excess of just €300. This helps customers not have to pay substantial amounts in the event that they need to make a claim.
Fire & Theft Cover
Fire and Theft means you’re covered for loss of or damage to your car through fire, theft, or attempted theft.
Fire brigade charges up to €1,500
If the Fire Brigade is involved in your motor accident, we will cover those charges up to a maximum of €1,500, so no need for alarm bells regarding your policy.
If a Fire Authority is called out to your motor accident, we will pay for reasonable charges for which you are legally liable. The maximum we will pay under this Policy will be €1,500 in aggregate, regardless of the section of the Fire Services Act 1981 it is claimed under.
Legal Liability to Others
Legal Liability is included our Comprehensive and our Third Party, Fire & Theft Car Insurance Policy.
Personal accident
If the policy is in your name, you’re covered if you or your spouse suffer accidental bodily injury in direct connection with your car and if within three months of the accident, the injury is the sole cause of death, irrevocable loss of sight or the total loss of one or more limbs.
Personal belongings
We all keep personal stuff in our car and the good news is that you are covered for loss of or damage to your belongings because of fire, theft or accidental damage to items in your car.
No Claims Discount Protection
Our no claims discount protection can be added as an additional extra to your Car insurance policy during purchase (online or with one of our agents over the phone). Car accidents can be costly enough without losing your no claims discount protection. Having a no claims discount protection could give you up to 60% off your insurance policy subject to minimum premium. So why not protect it!
Driving Abroad
Your 123.ie insurance policy will cover you in most EU countries for up to 30 days however the level of cover depends on where you are going. The level of cover you have while travelling is dependent on the country you’re travelling through, the duration of your stay and whether you’ve contacted us beforehand.
