Am I covered for business use?
Your 123.ie Car Insurance policy may cover business use, but this depends on whether Class 1 use is included in your cover. You can verify this by checking your insurance schedule or Certificate of Motor Insurance under "limitations as to use."
What is Class 1 Use?
If your policy includes Class 1 use, you or your spouse can use your car for:
- Social, domestic, and pleasure purposes
- Commuting to and from work or study
- Business-related travel, such as visiting clients or travelling between office locations
Class 1 use does NOT cover:
- Carrying goods for hire or reward (e.g., courier, delivery services)
- Carrying passengers for hire or reward (e.g., taxi, chauffeur services)
- Door-to-door commercial sales or order solicitation
If you need to transport goods or passengers for hire, a commercial vehicle insurance policy is required.
How Do I Check If I’m Covered?
To confirm your coverage:
- Review your Insurance Schedule – It specifies if Class 1 use is included.
- Check your Certificate of Motor Insurance – The definition of Class 1 use is provided on the back.
- Contact 123.ie Customer Care – Call 01 524 6029 to confirm your coverage or request an upgrade if needed.
How Do I Add Business Use to My Policy?
If Class 1 use is not included in your current policy, you can request an upgrade by contacting 123.ie Customer Care using the My 123 Portal or call 01 524 6029. Your employer may require proof, in which case you can request a letter of indemnity.
For complete policy details, limits, and exclusions, please refer to your policy documents.