A summary of Comprehensive vs Third Party, Fire & Theft & Our Benefits
For our standard motor Car Insurance policies, we offer two levels of cover with great 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 we’ll cover damage to another vehicle or 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.
Our comprehensive cover is one of the best policies on the market as it has more benefits included as standard- you don’t have to worry about hidden extra costs or making any decisions on what benefits to include or exclude, we’ve done it all for you, so you get forget about insurance and focus on the more important things in your life.
2. Third Party, Fire & Theft
123.ie Third Party, Fire & Theft covers damage you cause to another vehicle and or injury to third parties. It also covers loss of or damage to your car through fire or theft.
The 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.
Comprehensive vs Third Party, Fire & Theft at a glance:
| Third Party, Fire and Theft | Comprehensive | |
| Legal Liability to Others | ||
| Driving of other Cars | ||
| 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 standard 123.ie 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 policy booklet.
3. 123GO: Car Insurance for young, new, and inexperienced drivers:
We also have a product specifically for new or inexperienced drivers. If you’re new to driving, or are new to driving on Irish Roads, our 123GO Car Insurance will get you on the road! This product also offers a choice of Comprehensive and Third Party, Fire & Theft. Click here for more information on 123GO.
