Popular Home Insurance FAQs

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?​.

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?.

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?.

If your home is unoccupied for up to 45 days, your cover remains unchanged. However, if it is unoccupied for more than 45 days, certain coverages will be affected.

For example, theft, attempted theft, and vandalism are not covered once the property has been unoccupied for longer than 45 days.

For full details on how unoccupied periods impact your cover, see Am I covered if my property is unoccupied?.

You should insure your home for its full rebuild cost, not its market value.

This means covering the cost to rebuild from the ground up, including demolition and debris removal. Your sum insured should reflect everything that makes up the structure, including fixtures, fittings, and outbuildings.

To estimate your rebuild cost, use the Society of Chartered Surveyors Ireland’s guidelines and adjust for any high-end finishes.

For a full breakdown, see How much should I insure my buildings for?

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?

Your 123.ie Home Insurance covers injury or property damage caused by your pet (dogs, cats, ponies, or saddle horses) under Liability to Others. Dangerous dog breeds must be muzzled and controlled.

However, damage to your own home or injury to your family isn’t covered. For more details, see: Does my insurance cover pet damage or injury?

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.