How do I get a copy of my No Claims Bonus?

Getting your No Claims Bonus (NCB) certificate from 123.ie is quick and easy. Here’s how:

Accessing Your NCB Online

1. Log in to Your Account – Visit the My123 Portal and sign in.

2. Find Your Renewal Offer – Your NCB is included in your renewal pack, available in your account documents.

3. Download & Print – Once located, you can download and print your NCB certificate for your records or to provide to a new insurer.

Receiving Your NCB by Email or Post

• Email – If you’ve provided an email address, we may have sent your renewal pack (including your NCB) directly to your inbox. Check your email for this document.

• Post – If we don’t have an email on file, your NCB would have been mailed to your registered address.

What If Your Policy Was Cancelled Mid-Term?

If your policy was cancelled mid-term and there were no outstanding balances, your NCB would have been issued at the time of cancellation​. If you didn’t receive it or need another copy, we can help.

Understanding No Claims Discount (NCD) Rules

• If you don’t make a claim, your NCD increases annually up to the maximum discount allowed​.

• If you make a claim, your discount may reduce depending on your level of NCD protection:

  • No NCD Protection – Your discount resets to zero.

  • Step-Back NCD Protection – Your NCD is reduced by three stages on the discount scale.

  • Full NCD Protection – Your first claim within three years won’t affect your discount, but further claims will step back your discount​.

• Some claims won’t impact your NCD, such as windscreen damage or keycare claims​.

Need Help? Contact Us!

If you need your NCB resent or have trouble accessing it, our Customer Care Team is here to help:

• Call - 01 524 6029 (during business hours)

• Email - info@123.ie (Make sure to email us from the address linked to your policy for verification).

• Tip - Keep your contact details up to date to receive important policy documents on time.