Car Insurance - My Policy Cover

Your 123.ie car insurance policy may allow you to drive someone else’s car under the Driving Other Cars (DOC) extension, but only if explicitly stated on your Certificate of Motor Insurance. Restrictions apply, such as the car not being owned by your employer, business partner, or spouse, and having valid insurance elsewhere​.

For more details, read our guide: Can I drive someone else's car on my insurance?

Social, Domestic & Pleasure (SD\&P) use covers personal driving, including commuting, shopping, visiting friends, and leisure activities. It does not include business use or driving for work-related purposes.

To ensure you have the correct cover, check your policy details here: What does social, domestic & pleasure (SD\&P) mean?​.

Your car insurance policy may cover business use, but it depends on the type of cover you have. If your policy includes business use, you are covered for work-related travel (Class 1).

Class 1 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

Check your Certificate of Motor Insurance or contact 123.ie Customer Care at 01 524 6029 to confirm your coverage. If you want to learn more about the specific types of cover, visit Does my insurance cover me for business use?.

Yes, your 123.ie Car Insurance covers driving in Ireland, Northern Ireland, and the UK with full policy benefits.

In EU countries, you have the minimum legal cover, but you can extend full cover for up to 30 days at no extra cost by notifying 123.ie before your trip.

For non-EU countries, a Green Card may be required. Breakdown Assistance is only available in Ireland.

For more details, see Am I insured to drive my car abroad?.

Yes, your 123.ie car insurance policy provides third-party liability cover for towing a trailer or a disabled vehicle, as long as you're legally allowed to tow.

However, this cover only applies to damage or injury caused to others—there’s no cover for loss or damage to the trailer itself or its contents. Make sure your trailer meets all legal and safety requirements before hitting the road.

For a full breakdown, check out our detailed guide here: Does my insurance cover towing a trailer or caravan?.

Keycare covers replacement costs if your car or home keys are lost, stolen, or accidentally locked inside your home or car. It includes locksmith charges, new keys, and replacement locks.

To see exactly what’s covered, see: What does Key Care cover?.

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?

Yes, you’re covered to drive after surgery—including procedures like a caesarean—once your doctor confirms you're fit to drive. There's no need to inform us directly, but make sure your doctor has given clear approval. Recovery times vary, so follow your doctor's advice closely.

If you're unsure, we're here to help. Call 01 524 6029 to get in touch with a Customer Care representative.

No, 123.ie Car Insurance policies do not include open driving cover. Our cover applies to the policyholder and any named drivers listed on the policy.

If you need to add a driver, you can do so permanently or temporarily (for up to 37 days) through your My123 account.

For more details on adding drivers, check out our full guide. You can also get in touch with our Customer Care representative by sending an email to Info@123.ie or calling 01 524 6029.

You’ll get a 10% discount for insuring a second car

With our Multi Car Insurance, you or your spouse, civil partner or legally cohabiting partner can insure an additional car with us and get 10% off the premium of the second policy. Plus you will get an additional 10% discount if you purchase online. This offer is not available in conjunction with any other loyalty discount, discount may change.  
 

The other driver won’t affect your No Claims Discount

The no claims discount works the same as normal, both cars have a separate no claims bonus. So, if one of you has an accident or makes a claim it will not affect the other person's no claims discount.   

You don’t have to make both renewal dates the same

Each policy is separate and can keep its own start date so you don’t have to worry about paying for two renewals at the same time.

All you have to do is...

Call one of our friendly insurance advisors now on 01 518 1420 and mention our Multi Car Insurance discount. Or get a quote online and click 'yes' when asked if you have any other insurance with 123.ie. 

This offer is not available in conjunction with any other loyalty discount. For a full list of benefits click here and get a quote! For full cover details, limits and exclusions, please see our policy booklet.

Yes, your Car Insurance policy includes unlimited cover for personal injury to any third party under the Liability to Others section. If you have a Comprehensive policy, it also includes personal accident benefits and accident & emergency cover.

For Home Insurance customers, liability to others covers up to €3,000,000 for injuries to third parties on your property, provided you or a household member are found legally liable.

Check your policy pack for full details, limits, and exclusions. Need more details? See Does my insurance cover personal injury?.

Yes, you're fully covered to carry passengers in your car for social, domestic, and pleasure journeys. However, your car policy doesn't cover passengers carried for payment or as part of your job description. If your work involves carrying passengers, your current policy won't apply.

For clarity around passenger coverage or to explore options tailored specifically for your needs, we're always here to help—see our check your policy documents or simply contact us for more information.

At 123.ie, we offer two types of Car Insurance coverage: Comprehensive and Third Party, Fire & Theft.

• Comprehensive cover helps if your car gets damaged in an accident. It also includes fire and theft, third-party liability, windscreen repair, personal accident benefits, and 24/7 breakdown assistance.

• Third Party, Fire & Theft cover includes liability to others and loss or damage to your car due to fire or theft.

Need a full list of what’s included? Please see What does my car insurance policy cover?.

No. Mobility scooters aren’t covered under any of our Car Insurance policies, even if they’re stolen or damaged while in your car.

They’re also not covered under Home Insurance, even when stored inside your home. The liability to others section of your policy won’t cover injury or damage caused by using a mobility scooter, either.

Not sure if something’s covered? Our team can help clear things up. Contact us or take a look at your policy documents for the full breakdown.

Yes, with 123.ie, you can cover personal items outside your home in two ways:

1. By adding optional 'All Risks' cover to your Home Insurance
2. Through the Personal Belongings cover included in our Comprehensive Car Insurance.

Want to know what’s covered and how it works? Read: Does my policy cover items outside my home? or contact us for further assistance.

123.ie currently does not offer insurance for motorbikes under our Car Insurance policies. Feel free to contact us if you need any help with finding suitable alternatives.

Inform your Licensing Authority of any medical condition affecting your driving. Once they've confirmed your licence status, contact our Customer Care team at 01 524 6029 or Info@123.ie to update your policy details.

Also, notify us about car modifications related to your condition, detailing the changes and the modification company involved. Sometimes, we might need an engineer's report. If restricted to modified vehicles, your 'driving other cars' extension could be removed

If your payment to 123.ie goes through successfully, your cover kicks off from the start date and time you selected. You’ll see a confirmation screen showing the amount paid and thanking you for your purchase.

But if you hit an error before entering your card details, your policy isn’t active. For more info on payment errors and what they mean for your cover, see I got an error while buying insurance—am I covered?.

You can choose to add No Claims Discount Protection to your Car Insurance policy. This optional extra is available on both Third Party, Fire & Theft and Comprehensive cover for an additional premium.

With No Claims Discount Protection, you can make one claim in a three-year period without losing your discount.

You can add it when buying online or by chatting with one of our agents. For more on what's included, see What optional benefits are available for car insurance?.

We no longer offer Legal Assist on our Car Insurance policies. It was previously available as an optional extra. If you added it when you took out your policy, you'll see it listed in the policy benefits section of your insurance schedule. See our current Car Insurance policy document for up-to-date info on what’s included.

Legal Assist is no longer available on our Car or Home policies. If you're looking for information on what’s included in your cover or what extras you can add, you can check your policy documents for the latest details.

No. All you need to do is add your new car keys to your keyfob.

Yes, you can ring the Keycare Emergency Helpline on +353(0)1 5181412, 24 hours a day, 365 days a year and assistance will be provided by Keycare.

All keys whether lost or stolen whilst in the European Union are covered and your 123.ie Car Insurance policy is active at the time. You will have to arrange for a locksmith to attend the scene as the Keycare locksmith network only covers the ROI. Please retain all receipts for work done as Keycare will require these in order to reimburse you.

No, claims through Keycare do not affect your No Claims Bonus.

No. The reward will be sent directly by Keycare Limited to the person who found your keys.

You can attach your keyfob to as many keys as you like e.g. car, house, garage, office and they all will be covered up to 3 keys per lock. Cover is provided subject to your Keycare membership being in force and your Car Insurance policy being active at the time of loss.

You can make an unlimited number of claims up to the €1,500 cover limit per registered key fob.

As many as you choose. Cover is only provided for keys that belong to you.

There is no excess on your Key Care membership.

Yes. Both our Comprehensive and Third Party Fire and Theft policies include 24 hour Breakdown Assistance, 365 days a year, covering the island of Ireland. To avail of this service please contact 01 832 8358.