Customer Care

Your 123.ie car insurance policy may allow you to drive someone else’s car under the Driving Other Cars (DOC) extension, but only if explicitly stated on your Certificate of Motor Insurance. Restrictions apply, such as the car not being owned by your employer, business partner, or spouse, and having valid insurance elsewhere​.

For more details, read our guide: Can I drive someone else's car on my insurance?

To change the car on your 123.ie insurance policy, log into the My123 portal or call customer support. You may need to provide details about the new vehicle and pay an additional premium if applicable. Your updated documents will be issued once the change is processed.

For more details, visit Can I update my car details on my insurance policy?​.

Third Party Liability covers your legal responsibility for injury or damage caused to others while using your vehicle or property. This includes compensation for bodily injury, property damage, and legal fees.

Learn more about what’s covered under your 123.ie policy here: What does Third Party Liability cover in car insurance?​.

To prove your No Claims Bonus (NCB), you need an official No Claims Bonus Certificate from your current or previous insurer. This document confirms the number of claim-free years on a policy in your own name.

Your previous insurer may have included this in your renewal pack. If not, you must request a copy. The NCB must be from a private car policy in Ireland or the UK and earned within the last two years.

Submit your NCB to 123.ie via:

• Online upload – My123 Portal
• Email – motor@123.ie
• Post – 123.ie, RSA House, Dundrum, Dublin 16

Failure to provide proof may result in policy cancellation. For more details, visit How can I prove my No Claims Bonus?​.

Social, Domestic & Pleasure (SD\&P) use covers personal driving, including commuting, shopping, visiting friends, and leisure activities. It does not include business use or driving for work-related purposes.

To ensure you have the correct cover, check your policy details here: What does social, domestic & pleasure (SD\&P) mean?​.

To add a driver to your car insurance policy, you need to contact 123.ie directly, either by calling Customer Care on 01 524 6000 or by logging into your My123 online portal. Ensure you have the new driver's details ready.

For more detailed guidance, visit How do I add another driver to my policy?.

If you need temporary cover to drive another car, you can arrange this easily by logging-in to the My123 portal or contacting 123.ie directly. You can do this for a maximum of 37 days in the policy year. Call our customer service on 01 518 1434 to discuss temporary changes or visit our policy change page for detailed instructions: Can I request a temporary change of car on my policy?.

Beyond Economic Repair (BER) means the cost of repairing your vehicle is higher than its market value before the damage. In this case, your insurer will declare it a total loss and offer a settlement based on its pre-accident value.

You may also decide to repair your car, but keep in mind you may be required to get a certificate of road worthiness from a qualified engineer before cover can be put back in place.

For more details, see What is Beyond Economic Repair (BER)?.

Your car insurance policy may cover business use, but it depends on the type of cover you have. If your policy includes business use, you are covered for work-related travel (Class 1).

Class 1 does not cover:

• Carrying goods for hire or reward (e.g., courier, delivery services)
• Carrying passengers for hire or reward (e.g., taxi, chauffeur services)
• Door-to-door commercial sales or order solicitation

Check your Certificate of Motor Insurance or contact 123.ie Customer Care at 01 524 6029 to confirm your coverage. If you want to learn more about the specific types of cover, visit Does my insurance cover me for business use?.

To get a copy of your No Claims Bonus (NCB) from 123.ie, check your renewal offer pack, which includes your NCB and is accessible through your online portal. If your policy was canceled mid-term, provided there are no outstanding balances, an NCB would have been issued to you.

For further details, see How do I get proof of my No Claims Bonus?.