Car Insurance - Before you Insure

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?​.

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?.

Yes, you can! At 123.ie, each car needs its own policy, so you’ll need a separate quote for your second vehicle. Keep in mind that your No Claims Discount (NCD) can only apply to one policy at a time.

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

Want to learn more? Check out our detailed guide: Can I get an insurance quote for a second car?.

What is a Schedule of Insurance?

Your Schedule of Insurance is a handy document that summarises all the important details specific to your insurance policy. Think of it as a personalised snapshot—clearly laying out the key info such as:

• Your personal details
• Exactly what's covered
• Policy start and end dates
• Any specific terms or endorsements that apply to you

We always recommend double-checking your schedule carefully. Keep this document safe, along with your other policy documents, so you can refer to it whenever you need it.

Spotted a mistake, or something unclear? Give us a quick call on 01 524 6000 or send an email complaints@123.ie - we’ll happily clear things up.

A Statement of Fact is a clear summary of all the important details you've provided about yourself, your vehicle, and your insurance needs. It confirms the information we use to set up your policy.

Make sure it’s accurate—need changes? Let us know straight away.

No, your No Claims Bonus (NCB) can only be applied to one vehicle at a time—this includes Car, Van, and 123GO policies. However, additional permanent drivers can build their own Named Driving Experience discount separately.

Questions? Phone a Customer Care representative at 01 524 6029 or send us an email at Info@123.ie.

A proposal form gathers all the important details we need from you to set up your insurance, such as your claims history, car details, or your home’s rebuild cost. At 123.ie, it’s quick, easy, and paper-free—done online or over the phone. Simple!

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?​.

Utmost Good Faith is the obligation to voluntarily, accurately, and fully disclose all material facts related to the insurance risk, regardless of whether they are specifically requested.

Being transparent about all relevant details ensures your policy is valid and provides the right coverage. For more information, review our policy documents or contact us for assistance.

Yes, 123.ie will not decline cover based on a delayed NCT. In the event of a claim where a customer is awaiting an NCT, this delay will not be a factor in the acceptance of their claim.

For more details, please refer to Can I get a quote if my car has no NCT?.

At 123.ie, we don’t offer insurance for vehicles that have been previously written off. However, if you're already insured with us and want to transfer your policy to such a vehicle, we may review this request depending on the write-off category.

For more details, see Can I insure a previously written-off vehicle?

We only insure private cars registered in Ireland, taxed privately, and holding a valid NCT certificate. We don’t cover left-hand drive vehicles, vehicles used for commercial purposes, or performance-enhanced vehicles. Medically modified vehicles are accepted, provided the modifications meet our underwriting criteria.

For a full breakdown of our acceptance criteria, please see What types of vehicles does 123.ie insure?.

Think of proximate cause as the main event setting off a chain reaction leading directly to your loss. Pinpointing this initial trigger matters, because it decides if your claim is covered or not.

How do insurers determine proximate cause?

Our claims handlers and loss adjusters jump into action to investigate what really caused your loss. With their expert detective skills, they make sure every claim receives a fair assessment based strictly on your policy.

Remember, coverage kicks in only when the cause aligns clearly with your policy’s terms, conditions, and exclusions.

Why is a proximate cause important in insurance?

Simply put, your claim outcome hinges on whether your policy covers the specific event behind your loss. Good news—if your policy covers that initial cause, your claim sails through approval. But if it doesn’t, unfortunately, your claim might hit a snag.

Have more questions about claims and cover? Contact us for expert guidance, or check your policy documents for details specific to your policy.

In insurance, ‘risk’ can mean two things:

1. The insured item – This is what is being covered, such as a car, home, or belongings.

2. The insured event – This is the situation you are protected against, like theft, fire, or accidental damage.

For example, if you insure your car, the car itself is the insured risk, while events like theft or a collision are the risks you’re covered against. Insurers assess both to determine policy coverage, terms, and premiums.

Need help to understand your cover? We’re here to help. Contact us for guidance or review your policy documents for full details.

No, you don’t need to send us any documents before buying your policy with 123.ie. Once your cover is active, we’ll ask for specific documents for Car Insurance customers (e.g. proof of your No Claims Bonus, named driving experience, or driver’s licence) to issue your insurance certificate and disc.

For all the details on what’s required and how to send it to us, check out: Do I need to send documents before buying a policy?.

Non-disclosure happens when you don’t share information that’s needed when you’re applying for, renewing, or changing your policy.

Insurers rely on the details you give to set up your cover and keep it right throughout the year. If important information is left out, your insurer may cancel your policy, reduce the amount they pay, or refuse to pay a claim.

Not sure what counts as relevant info? We can help. Contact us or read your policy documents to stay on the right track.

Yes, if you have a Home Insurance policy with 123.ie, you can choose a higher excess (€1,000) to lower your premium. The standard home excess is €500.

For Car Insurance, the excess is fixed at €300. Travel Insurance excess varies depending on the type of claim. For Van Insurance, the excess is fixed at the amount shown on your policy Schedule and cannot be altered to lower your premium.

Looking for more details? See Can I increase my excess to lower my premium?.

If you received the message, "123.ie is currently unable to offer you a quote," it means the details provided fall outside our acceptance criteria.

For further assistance, please contact the sales team of the product you’re interested in via phone or email.

A peril is an event or cause that leads to a loss covered by insurance. For example, fire is considered a peril under Home Insurance, as it can result in property damage and financial loss.

An insurance premium is the amount you pay to an insurance company to cover a specific risk, such as your Car or Home, for a set period of time - typically one year. Terms and conditions apply, see our policy documents for more information.

An exclusion is something your policy doesn’t cover. It’s a clearly listed situation, item, or event that isn’t included in your insurance.

For example, if your vehicle is stolen while left unlocked, you may not be covered. You’ll find all exclusions, terms, and conditions in our policy documents.

We offer discounts across different types of cover, but they can vary depending on several factors. For example, if you already have a Home Insurance policy with us, you could save on a new Car Insurance policy—and the same goes in reverse.

These multi-policy discounts are usually available when you buy over the phone and are subject to minimum premium requirements.

We aim to provide the most competitive price available at the time of quoting. For a full breakdown of available discounts and how they work, check out: How can I get a discount on my insurance policy?.

The limit of liability refers to the maximum amount an insurance company will pay for a covered event or item. This cap may apply within a specific timeframe.

For instance, the personal accident benefit for Car Insurance has a yearly limit of €5,000. For more information on specific limits, see our policy documents.

You need to be a resident of the Republic of Ireland to buy Car, Travel, Health, and Van insurance with 123.ie. That’s part of the eligibility criteria for those products. For Home Insurance, we might be able to offer you a quote - if the property is located in Ireland.

To chat through your options, contact our different sales teams on:

• Car - 01 518 1403 / Motor@123.ie.
• Home - 01 518 1401 / household@123.ie.
• Travel - 091 501 677 / traveldept@MAWDY.com.
• Health - 01 518 1400 / Health@123.ie
• Van - 01 241 8536 / Info@123.ie

You need to be a resident of the Republic of Ireland to buy Car, Travel, Health, and Van insurance with 123.ie. That’s part of the eligibility criteria for those products. For Home Insurance, we might be able to offer you a quote - if the property is located in Ireland.

To chat through your options, contact our different sales teams on:

• Car - 01 518 1403 / Motor@123.ie.
• Home - 01 518 1401 / household@123.ie.
• Travel - 091 501 677 / traveldept@MAWDY.com.
• Health - 01 518 1400 / Health@123.ie
• Van - 01 241 8536 / Info@123.ie