Popular Car Insurance FAQs

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?.

Updating your phone number on your 123.ie policy is quick and easy. You can do it online or by getting in touch with our team.

Update Online via My123 Portal

• Log in to your My123 account.
• Go to your personal details section and update your phone number.

Contact Customer Care

If you’d prefer to speak to someone, you can contact our team:

Motor & Home Insurance

• Call us on (01) 524 6029
• Email us at info@123.ie
• Post to 123.ie, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16

Travel Insurance

• Call us on (01) 2418549
• Email us at travel@123.ie

Health Insurance

• Email us at info@123.ie

Van Insurance

• Call us on (01) 2418585
• Email us at info@123.ie

Tip - Make sure your email address is up to date, as we may need it to verify your changes.

An insurance endorsement is a formal update to your policy that changes its terms. It can expand or limit coverage based on new circumstances.

For example, if you are carrying out home renovations, an endorsement may temporarily adjust your cover during construction.

Endorsements can be added at the start of your policy or mid-term if your circumstances change.

For a full breakdown, check out our detailed guide here: What is an endorsement on my insurance policy?.

If you're in a car accident, your safety comes first. Take a deep breath and follow these steps:

1. Check for injuries – If anyone is hurt, call emergency services immediately at 112 or 999.

2. Report to the Gardaí – Notify the local Garda station, especially if there are injuries or significant damage.

3. Gather essential details – Take note of registration numbers, driver and witness contact details, and insurance information.

4. Take photos – Capture clear images of vehicle damage, the accident scene, and road conditions.

5. Notify 123.ie – Call our Claims Team at (01) 290 1999 as soon as possible to report the incident.

For a step-by-step guide on handling an accident, visit our detailed help page: What should I do if I am involved in a road accident?.

Renewing your 123.ie insurance policy online is simple and secure.

For Car and Home Insurance, you’ll need:

• Your policy number (starting with ‘XM’ for car or ‘XH’ for home).
• The policyholder’s surname.
• The policyholder’s date of birth.

Simply visit the 123.ie product page associated with your insurance, click on “Renew my policy”, enter your details, and follow the prompts to complete your renewal payment.

For Travel Insurance, click the renewal link in your email invitation and enter your policy details to proceed.

For Van or Health insurance renewals, call our Customer Care and renewal representatives at:

• Van Customer Care - 01 241 8585
• Health Insurance Renewals - 01 562 5100

If you need help, contact 123.ie customer support—phone numbers are available on our Contact page.

For a step-by-step guide, see How do I renew my insurance policy online?.

The time it takes to settle a claim depends on the details of your case. Every claim is different, and some take longer than others. But you can help speed things up by:

• Giving us all the information we need when you make your claim
• Staying in touch with your claims handler
• Sending any requested documents as soon as possible

Want to know more? Check out our detailed guide: How long does it take to settle an insurance claim?.

Your policy excess is the initial amount you're required to pay towards any claim. Excess varies by policy type—€300 for Car Insurance, from €250 for Home Insurance, and between €0–€300 for Travel Insurance.

Check your insurance schedule for your exact excess details. For more details, see: How do I check my policy excess?

Yes, 123.ie provides a 14-day cooling-off period for Car, Home, Van, Health and Travel Insurance policies. This period starts either from your policy's start date or when you receive your policy documents, whichever is later.

If you cancel within this timeframe, you'll be charged only for the days covered. However, keep in mind that if a claim has been made, no refund is due.

For more details, see Is there a cooling-off period for my policy?​.

Your policy may be cancelled due to:

• Your request - You initiated the cancellation.

• Enforced Cancellation - 123.ie or RSA Insurance cancelled your policy, typically after issuing a 10-day notice.

• Policy Nullification - Non-disclosure of essential information led to your policy being voided from the start date.

For more details, please refer to: Why was my insurance policy cancelled?.

You can pay for your 123.ie policy online or over the phone using a debit or credit card. If you'd rather spread the cost, set up a direct debit online or by phone.

Direct debit setup and management via the My123 portal is only available for Car Insurance and Home Insurance policies only. You can use it to:

• Set up a new direct debit
• Pay any arrears
• Change bank details
• Choose a preferred payment date
• For 123GO, some features (e.g. policy amendments) aren’t yet live in My123.

If you hold another product (Van, Travel, Health or Life), you’ll need to arrange direct debit or card payments by calling our Customer Care team.

For more detailed information on payment methods and managing your policy, please refer to: How can I pay for my insurance policy?

If your direct debit has failed, easily settle your payment online via My123 using a
credit or debit card. Please note that we can't accept payments by cheque, bank draft, or postal order.

For further details, see How do I pay my direct debit arrears?.

To cancel your policy, submit your request to 123.ie by:

1. Email

Send an email to info@123.ie to get cancellation guidance tailored to your specific situation.

1. You can also call one of the following numbers:

   1. Car, Home, Young Drivers, Landlord - 01 524 6029
   2. Health - 01 518 1400
   3. Travel - 091 501 677
   4. Van - 01 241 8585
   5. Life - 01 704 1010

2. You can also mail your cancellation request via Post to - 123.ie, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16, D16FC92.

If you've received your insurance certificate and disc, please destroy them. Be aware that a cancellation fee may also apply.

When you cancel at any time, we’ll refund the unused portion of your premium on a pro‑rata basis, less any fixed‑expense deduction. A cancellation fee may also apply.

Need help with cancellation or fees? Our team is happy to assist. Contact us for guidance tailored to your policy, or find more details on: How to cancel your policy.