What happens after you purchase a van policy with 123.ie?

Once your Van policy is active, you'll receive your policy documents via email or post within 3–5 working days. If you haven't received your certificate or disc yet, you might need to send us extra documentation - see What happens after purchasing a van policy? for more details.

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?.

Full No Claim Discount Protection allows you to make one claim within a consecutive three-year period without it affecting your No Claim Discount.
However, if you make a second claim under this Policy during a consecutive 3-year period, Step Back applies, and we will reduce any previously earned No Claims Discount at the next renewal by 3 stages.
Step Back No Claim Discount Protection If you have a Step back No Claims Bonus protection, and you make a claim within the period of insurance, the No Claims Discount will be reduced by 3 stages at the next renewal as shown below:

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.

Driving of other vans means you are covered to drive someone else’s van on a third party basis, provided the van is not owned by you and you have the owners permission to use the van. This is for the policyholder only who has a full driving licence (other terms & conditions apply see policy booklet).

Absolutely, yes. We can arrange to match the No Claims Bonus you have earned on your private car and transfer this discount to the van if you are not using that No Claims Bonus on any other motor policy.

Yes, we will pay for the breakage or repair of glass in the windscreen and windows of your van, including any scratching of the bodywork directly resulting from such breakage, where a claim is processed through our approved windscreen glass repairer.

Yes, we will cover you to tow a trailer provided it is a single-axle trailer not exceeding one half tonne unladen weight. You are not covered to tow caravans, mobile homes, trailer tents, boat trailers, and any trailer which incorporates machinery or other equipment.

The 123.ie Van policy is for Light commercial vehicles. These are vehicles which have a gross vehicle weight or maximum authorised mass not exceeding 3.5 tonnes which can be legally driven by a Class B driving licence holder, excluding quad bikes, agricultural vehicles, private cars, and any Tool of Trade. Your vehicle must be registered as a light commercial vehicle (LCV).