How do I arrange a temporary change of car?

If your own car is temporarily off the road or you're borrowing a different vehicle, arranging temporary cover is easy. You can quickly organise this through your My123 account or by contacting our customer support team. We'll transfer your existing car insurance to the temporary vehicle, ensuring you're legally covered to drive.

Important note: We can only insure one car at a time, so your existing vehicle's cover will pause during the temporary transfer. This means neither you nor your named drivers can drive your own car while the temporary vehicle is insured. Temporary transfers can be arranged for up to a maximum of 37 days in any policy year.

Conditions for arranging temporary car insurance

To set up your temporary cover, please check all of the following apply:

• You have clear permission from the vehicle’s owner.
• The vehicle is taxed, registered, and usually kept in the Republic of Ireland.
• The temporary car isn't owned by you, your spouse, or your business partner.
• The vehicle isn't leased or hired by you, your employer, or your business partner.
• The car remains in its standard manufacturer specification (no modifications).
• The vehicle is right-hand drive.
• The car has a valid NCT (if applicable).
• It’s not used for hire or reward.
• The vehicle isn't already insured under a garage or vehicle repairer’s policy.

If the temporary car you're switching to doesn't meet these criteria, don’t worry—give our customer care team a call on 01 524 6029, and we'll help explore other available options.

When arranging temporary cover, we'll need the following details

• Registration number
• Make, model & style of the vehicle
• Exact engine capacity
• Current value of the car
• Date and time you want the temporary cover to begin

Need temporary cover now?

Arrange it yourself instantly via your My123 account or get in touch directly:

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

Remember, your policy may include the Driving of Other Cars extension, providing third-party cover to drive someone else’s vehicle in some cases.

Acceptance criteria, terms and conditions apply. For full policy details, see our Policy Documents page.

We’re here to make things easy—so you can focus on what matters most to you.