Am I covered for items taken outside of my home?

Yes, we offer protection for belongings taken outside your home or car through:

• Home Insurance - Add 'All Risks' cover to your contents insurance to protect certain items against theft, loss or damage wherever you take them.

• Car Insurance - Personal Belongings cover is included with Comprehensive Car Insurance and protects items kept in your vehicle.

How can I add or change the 'All Risks' cover on my policy?

You can update your cover at any time. Just call our Customer Care team on 01 524 6029, and we’ll help you review your options and explain any premium changes

How does Personal Belongings cover work in Comprehensive Car Insurance?

If you have Comprehensive Car Insurance with 123.ie, your policy includes Personal Belongings cover. It protects items inside your car from damage or loss caused by fire, theft, or an accident.

Theft coverage for items does not apply if your car is left unlocked, and items should be out of sight when the vehicle is unattended (e.g., in the boot or glove box). Mobile phones are not covered by the car insurance policy.

What should I do if my belongings are lost or damaged?

If you would like to make a claim, you can contact our Claims Team on (01) 290 1999. Have your details ready—we’ll guide you through the next steps.

Keeping your belongings protected with 123.ie

Whether it’s your phone, watch, or favourite bike, we can help you keep it covered—at home or on the go. For more information or to add this cover, contact us or check your policy documents for all the details.