Car Insurance - My Policy Documents

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?​.

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?.

123.ie is part of RSA Insurance Ireland DAC, which underwrites all Car, Home, and Van insurance policies. That’s why RSA’s name appears on your policy documents.

Travel and Health insurance policies are underwritten by MAPFRE Assistance and Irish Life Health respectively.

To verify your named driving experience, you’ll need to request a letter of driving experience from each insurer where you were a named driver. This document isn’t automatically provided, so be sure to request it directly.

Your experience must:

• Be consecutive (no gaps in coverage).
• Have been earned within the last three months.
• Have been gained in Ireland or the UK.
• Apply to a private car policy.

Submit your documentation through the My123 Portal or email it to motor@123.ie. For a step-by-step guide, visit our detailed help page: How do I prove my Named Driving Experience?.

Submitting your documents online is quick and easy with the My123 portal.

1. Create an account (if you haven’t already).
2. Log in and select "View & Manage Policy" under your motor policy.
3. Click on "Uploads" to check which documents are required.
4. Select "Start Uploading" and follow the virtual assistant’s guidance.
5. Attach your files directly from your device or take a photo using your smartphone.

If you don’t have all your documents ready, you can upload what you have and return later to complete the process.

For a full step-by-step guide, visit our help page: How do I submit documents online for my policy?.

Yes, you can. Simply enter your company car or fleet driving experience as named driving experience when getting your quote. The experience must be from a private car, not a commercial vehicle.

For full details on how to apply, see Can I use company car or fleet driving experience?.

No, additional drivers don’t earn a No Claims Discount on your policy. However, permanent named drivers can qualify for a Named Driving Experience discount, lowering their future premiums.

To get proof of named driver experience, contact us on 01 524 6029 or email info@123.ie.

Your 123.ie policy number is clearly shown at the top of your insurance disc, your certificate of insurance, and on letters or emails we've sent you. Car policies start with XM (standard) or XT (telematics). Home policies begin with XH.

Need more help? Give us a shout!

No, as a named driver on a 123.ie policy, you do not earn a No Claims Bonus (NCB). However, if you're a named driver on a policy for at least 1 full year without claims, you may qualify for a Named Driving Experience discount.

If you're unsure about your eligibility, check your policy documents or contact us for assistance.

Yes, you can easily request replacements if your certificate and disc haven’t arrived. Log into your My123 account and visit the documents tab, call Customer Care at 01 524 6029, or send an email to info@123.ie.

Additional document requirements might apply - see Can I get a copy of my insurance certificate and disc? for full details.

To tax your car online, you'll need your Car Insurance policy number (starts with "XM"), policy expiry date, and insurer details. All 123.ie car policies are underwritten by RSA Insurance Ireland DAC.

For more information, see What details do I need to tax my car online?.

Your No Claims Bonus (NCB) document for Car Insurance has four key sections:

• Number of years claims free - Shows the total years you’ve driven without making a claim, up to a maximum of six years. This may not always match your actual no-claims discount.​

• No claims bonus discount - Displays the percentage discount applied to your policy. This can differ from your claims-free years, especially if your NCB was protected or an incident didn’t impact your discount.​

• No claims discount scale applicable to policy - Outlines the percentage discount for each point on the scale from 1 to 6.​

• List of claims against the policy since inception - A record of all claims or notifications reported under your policy.​

For a detailed breakdown of each section, please refer to How do I understand my No Claims Bonus document?

At 123.ie, we’re committed to delivering the highest standards of service. If things don’t go as expected, let us know—we want to make it right.

You can submit your complaint through:

• Phone - 01 524 6000

• Email - complaints@123.ie

• Post - The Complaints Manager, 123.ie, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16

For complaints related to claims, contact the Customer Service team at:​

• Phone - 01 290 1000

• Email - complaints@ie.rsagroup.com

• Post - The Complaints Manager, RSA Insurance Ireland DAC, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16

Before submitting a complaint, check your policy documents for details on cover, exclusions, and terms. If anything is unclear, our team is happy to help.

Your policy documents were sent via email or post when you purchased or renewed your policy. Check your inbox, spam/junk folder, or postal mail.

If you can’t find them, contact our Customer Care team to request a free copy.

Motor & Home Customer Care:

• Call us on 01 524 6029
• Email us at info@123.ie.

Travel Customer Care

• Call us on 091 501 677
• Email us at Info@123.ie.

Need more details? See How do I view or print my policy documents?

Once your Car or Home policy is set up, we’ll send your policy pack and insurance schedule. If you provided an email address, these might have been emailed to you. If sent by post, delivery usually takes 3–5 working days.

For more detailed information, including steps to ensure timely receipt of your documents, please see When will my insurance documents arrive?.

To issue your Car Insurance certificate and disc, we need proof of your no-claims bonus or driving experience, and copies of driving licences for all named drivers. You might also need NCT or tax documents.

For more details, see What documents are needed for a new motor policy?.

If you've misplaced your Car Insurance certificate and disc, don't worry—you can quickly request a replacement through your My123 account. Just log in, click the Documents tab, and select delivery by email or post.

For extra support, visit our policy documents or contact us.

If moving abroad for less than 1 year, suspending your policy could suit you. Your No Claims Discount stays valid for up to 2 years after cancellation. For stays over 2 years, claims-free driving abroad might be recognised.

Additional details on this specific situation can be found on Can I move abroad with a No Claims Discount?

When your policy was set up with 123.ie, your documents were sent to you. If you gave us an email address, they may have been emailed—so don’t forget to check your inbox and folders.

Need another copy? You can now access it any time through My123 under ‘Documents’. Or just contact our Customer Care team, and we’ll email them to you for free.

Once you’ve sent us proof of your no claims bonus/named driving experience and any driving licences we require, we’ll issue your insurance certificate and disc. You can send these documents by:

• Email – info@123.ie

• Post – 123.ie, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16

• Online – Log in to your My123 account and use the upload feature

Haven’t received that proof yet? It’s usually included in your renewal pack from your previous insurer. If not, contact them directly for a copy. If we don’t get the documents within 10 days of your policy start date, your Car Insurance policy could be cancelled.

Need a step-by-step guide on what to send and how? Read When will I receive my insurance certificate and disc? for a detailed overview of everything you need to know.

Yes, the 123.ie policy booklet is available online. You’ll find a link to it in your policy pack, or you can view it directly on our policy documents page.

Prefer a printed copy? Just call our Customer Care team on 01 524 6029 or email info@123.ie for more information.

Inaccuracies can affect your cover or policy price. If any details on your documents are incorrect, contact our Customer Care team immediately at:

• Motor & Home - Call 01 524 6029 or email Info@123.ie.

• Travel - Call 01 241 8549 or email Info@123.ie.

• Van - Call 01 241 8585 or email Info@123.ie.

You can nominate someone aged 18+ to manage your policy, giving them limited (information only) or full (changes permitted) access. Permissions can be verbal or written, depending on access level.

For details on nominating a third party, see How do I nominate a third party to manage my policy?.

You’ve got 10 days from the start date of your Car Insurance policy to send us everything we need. You will receive a cancellation notice after 10 days, and if we don’t get your documents in time, your policy could be cancelled.

You can upload them through your My123 account, email them to info@123.ie, or post them to 123.ie, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16.

For further assistance, contact our Customer Care team at 01 524 6029 or email info@123.ie.

We send most of your insurance documents as PDF attachments. If you're unable to open them, it likely means your device doesn’t have a PDF viewer installed.

Here’s what you can do:

• Check if you already have a PDF reader like Adobe Acrobat or Preview (on Apple devices).

• If not, download a free PDF reader such as Adobe Acrobat Reader from a trusted app store or website.

• Still stuck? Please contact our Customer Care team on 01 524 6029 or email info@123.ie for guided instructions.

Yes! When driving abroad, bring your driving license, Car Insurance certificate, disc, and Green Card (if needed). For Travel Insurance, always carry your policy documents - medical professionals abroad might request them during emergencies. Check our dedicated guide on driving abroad or contact us for further guidance.