That moment when you see a credit card purchase you know you didn’t make – it’s frightening, stressful and sadly, all too common. So at 123.ie, if your bank card details fall into the wrong hands, we’re here to cover any financial loss and help put you back in control.
What am I covered for?
As a 123.ie Home Insurance policy holder, you’re covered for financial loss resulting from the use of your bank cards, by anyone other than authorised members of your household.
Is it just my credit cards that are covered?
No. We cover you for financial loss due to unauthorised use of any of your bank cards - credit, cash, debit, charge or cheque.
What am I not covered for?
Make sure you report the loss to the issuing organisation within 24 hours, or unfortunately we can’t cover you.
You’re also not covered if you aren’t using your card in accordance with the conditions of use of the issuing organisation, or if your card was lost in a property that’s not your main private dwelling.
How much am I covered for?
You’re covered for any amount up to €1000, as long as the amount isn’t recoverable from the issuing organisation.
Will it affect my No Claims bonus?
No, as long as the amount doesn’t exceed €1000.