What optional benefits are available on car insurance?

We offer No Claims Discount Protection as the only optional benefit on our Car Insurance policies. It’s available on both Third Party, Fire & Theft and Comprehensive cover for an additional premium.

How does No Claims Discount Protection work?

This benefit allows you to make one claim in any three-year period without affecting your no-claims discount. That means your discount stays intact, even if you need to make a claim, helping you keep your costs down at renewal.

For more information, see our guide on how claims impact your NCD and future premiums.

How can I add No Claims Discount Protection to my policy?

You can add it during the online purchase or by speaking with one of our agents. If you’re already a 123.ie customer, contact our customer care team and we’ll help get it sorted.

Is No Claims Discount Protection included automatically?

No, it’s not included by default. It’s an optional extra, and you’ll see it listed in your policy schedule if it’s been added. If you’re unsure, contact our team and we’ll confirm it for you.

Keeping your savings on track

Adding No Claims Discount Protection is a simple way to hold onto your savings—even if things go wrong. Want to learn more or add this to your policy? Just contact us or check your policy documents for full details.