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Can I get a quote for a second car ?

Insuring a second car with 123.ie is straightforward. Since each vehicle must have its own policy, you’ll need to take out a separate policy for your second car.

Here’s what to consider:

  • Your No Claims Discount (NCD) applies to only one policy at a time. If you don’t have an existing NCD for the second car, you’ll start building one from scratch.

  • If you have been a named driver on another policy in Ireland or the UK, and have at least one year of consecutive, claims-free driving within the last three months, you may be eligible for a discount.

  • Each policy remains independent, meaning a claim on one vehicle won’t impact the other’s NCD.

Getting a quote is simple—visit our website or contact our sales team at 01 524 6000.

What’s the process for getting a second car insured?

Follow these 3 steps to insure your additional vehicle:

  1. Get a Quote:

Visit the 123.ie website or call us for a tailored quote.

  1. Provide Your Details:

Submit information about your car and driving history.

  1. Check Your NCD:

Remember, your existing NCD applies to only one policy. If eligible, named driver experience may help secure a discount.

For more details, visit our Car Insurance page.

Can I transfer my existing No Claims Discount to my second car?

No, your NCD can only be applied to one policy at a time. If you take out a second policy, you’ll need a separate NCD. If you don’t already have one for your second vehicle, you can start building it.

However, if you’ve been a named driver with at least one year of consecutive, claims-free driving within the last three months, you may qualify for a discount​.

Are there discounts for insuring multiple cars with 123.ie?

Yes! When you or your spouse, civil partner, or legally cohabiting partner insure a second car with 123.ie, you’ll receive:

  • 10% off the premium of the second policy.
  • An additional 10% discount if purchased online (subject to terms and conditions).
  • The other driver’s claims won’t affect your No Claims Discount, as each policy is independent​.

Final Steps - Getting Your Second Car Covered

Setting up a second policy with 123.ie is simple and comes with benefits. Getting to know your No Claims Discount and checking eligibility for multi-car discounts ensures you get the best value.

Ready to start? Contact our customer service team or get an online quote today.

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