Young & Inexperienced Drivers - Making a Claim

Yes! 123.ie recommends using our network of approved repairers for vehicle repairs.

The benefits offered can vary by repairer, so it's best to check with the repairer directly for details on what’s included. Some of the most common repair benefits include:

• Minimum three year warranty (repaired areas only)
• Genuine Manufacturer parts and paint warranty
• Direct Billing Service (payments made direct to Repairer)
• Priority Service
• Compliant with local authority waste disposal requirements
• Free of charge vehicle wash and clean

For home emergencies, our Home Rescue Cover service provides 24/7 assistance, covering emergency repairs up to €200 with up to three call-outs per year.

Visit our Approved Repairers or Home Rescue pages for more details.

If you're in a car accident, your safety comes first. Take a deep breath and follow these steps:

1. Check for injuries – If anyone is hurt, call emergency services immediately at 112 or 999.

2. Report to the Gardaí – Notify the local Garda station, especially if there are injuries or significant damage.

3. Gather essential details – Take note of registration numbers, driver and witness contact details, and insurance information.

4. Take photos – Capture clear images of vehicle damage, the accident scene, and road conditions.

5. Notify 123.ie – Call our Claims Team at (01) 290 1999 as soon as possible to report the incident.

For a step-by-step guide on handling an accident, visit our detailed help page: What should I do if I am involved in a road accident?.

The time it takes to settle a claim depends on the details of your case. Every claim is different, and some take longer than others. But you can help speed things up by:

• Giving us all the information we need when you make your claim
• Staying in touch with your claims handler
• Sending any requested documents as soon as possible

Want to know more? Check out our detailed guide: How long does it take to settle an insurance claim?.

A fraudulent claim occurs when someone intentionally omits, misrepresents, alters, or conceals vital information related to a claim to receive payment they would not otherwise be entitled to.

If you suspect someone is making a fraudulent claim, report it to Insurance Confidential at fraud@insuranceireland.eu or through their website.

In insurance terms, the “first party” is the insurer, and the “second party” is the policyholder. A third party is anyone else. If someone makes a claim against you or your vehicle, that person is the third party.

For more information on specific insurance-related products, don’t hesitate to contact us.

An adjustor (sometimes called a claims adjustor or loss adjustor) is the person who checks out the details of your insurance claim. They investigate what happened, look at the damage, and figure out how much we should pay based on what your policy covers. Simply put, they help 123.ie settle claims fairly.