I got an error when buying online, am I covered?

We know payment hiccups can be frustrating. Here’s what they actually mean—and what you need to do next:

Payment in Full

If you see the message “There was a problem processing your card. Please check your details are correct and try again,” it means your payment didn’t go through, and your policy isn’t active.

What to do:

To fix this, double-check your card details and try again. If the issue continues, your bank may be blocking the payment, so we recommend contacting them directly.

Direct Debit

If your initial attempt to set up a direct debit fails, you may get this message:

• “Oops! Are you sure your details are correct? Please check and click 'Pay Now' or call us on 01 524 6000, we’re happy to help.”

This means the system couldn’t set up your direct debit. Try re-entering your card details. If that still doesn’t work, you may see the following confirmation screen:

• “Your credit card details have been accepted and your upfront payment amount has been paid. Your policy is now set up. However, we have been unable to set up your direct debit. Please call us on 01 524 6000 (Monday to Saturday) to ensure your cover continues”

What it means

In this case, the initial payment has been accepted and your policy is active, but the direct debit for ongoing payments has not been set up successfully. It’s important you contact our customer care team during business hours to sort out your payment method and make sure your cover continues without interruption.

Keeping Your Cover Active

If you're not sure whether your policy is live, don’t worry, 123.ie is here to make things simple. If you’ve had a payment issue or need clarity on your policy status, contact us or review your policy documents to get the support and answers you need.