What type of vehicles does 123.ie cover?

We offer straightforward Car Insurance specifically for private vehicles. Before we can confirm coverage, you'll need to provide precise details, including make, model, and specifications of your car.

To qualify for cover with us, your car must meet these essential conditions:

What are the acceptance conditions for car insurance with 123.ie?

• Your car must be registered in the Republic of Ireland in your name or your spouse’s name (spouse includes a legally married husband/wife or legally recognised civil or cohabiting partner).
• The car must be taxed privately and not used for commercial purposes.
• You need to be the main driver.
• A valid National Car Test (NCT) certificate is required if applicable.
• We don’t cover left-hand drive models.
• Used imports are only accepted if the vehicle was originally registered in the UK or Northern Ireland.
• We don’t accept vehicles with performance-enhancing modifications. Medically necessary modifications are allowed.
• Your car cannot be used for commercial travelling.

Can I insure a commercial vehicle or a modified car with 123.ie?

Unfortunately, we don’t offer insurance for commercially used vehicles or those modified beyond the manufacturer’s standard specifications. Our insurance policies strictly cover private vehicles for personal use only.

What if my vehicle doesn’t meet the criteria?

If your vehicle doesn't match the criteria outlined, or you’re unsure if your car is eligible, we're here to help clarify your options. Reach out directly by visiting our contact us page or review our policy documents for comprehensive policy details.

Ready to insure your car with 123.ie?

At 123.ie, we keep things simple and clear, focusing on your needs so you can enjoy the road ahead. If your car ticks all the boxes listed, let's get you covered!