How do I cancel my policy?
Cancelling your policy is simple, but the process depends on your policy type. Below are the cancellation terms based on the latest policy details.
Car Insurance
If you cancel within 14 days of your policy start date or receiving your documents, you’ll only be charged for the days covered, and you’ll get a full refund if no claims were made.
After 14 days, a €55 cancellation fee applies, plus charges for the time insured. If you pay by direct debit, the initial service charge is non-refundable.
To cancel, you must return your Certificate of Insurance and Insurance Disc before cancellation can be processed. Contact 01 524 6029 or email info@123.ie.
Home Insurance
Cancellations within the 14-day cooling-off period qualify for a full refund if no claims were made.
If you cancel after this period, a €25 cancellation fee applies, along with cover charges up to your cancellation date. Direct debit service charges are non-refundable after the first installment.
To cancel, call 01 524 6029 or email info@123.ie.
Young Drivers (123GO) Insurance
If cancelled within 14 days, you’ll receive a full refund if no claims were made and the black box was not installed.
After 14 days, a €55 cancellation fee applies, and an additional removal fee may be required if the black box was installed.
To cancel, contact 01 524 6029 and arrange for the return or removal of the black box.
Landlord Insurance
Cancellations within 14 days qualify for a full refund if no claims were made.
After this, a €25 cancellation fee applies, along with the cost of cover up to the cancellation date.
Call 01 524 6029 or email info@123.ie to cancel.
Health Insurance
If you cancel within 14 days, you’ll receive a full refund unless a claim has been made, in which case outpatient costs will be deducted, and charges for inpatient care may apply.
After 14 days, a mid-term cancellation charge applies, including a €25 administration fee and any unpaid government levy.
To cancel, call 01 518 1400 or email health@123.ie
Travel Insurance
You can cancel within 14 days for a full refund, as long as your trip hasn’t started and no claims have been made. After 14 days, no refunds are available.
To cancel by e-mail, send your request to ieteles@MAWDY.com
To cancel by post, send a letter to - Customer Service Department, MAWDY Agency Ireland, 22-26 Prospect Hill, Galway
Van Insurance
If cancelled within 14 days, you’ll only pay for the days covered, and a full refund applies if no claims were made.
After 14 days, a €55 cancellation fee applies, plus cover costs up to the cancellation date.
To cancel, you must return your Certificate of Insurance and Insurance Disc. Call 01 241 8585 or email info@123.ie.
Life Insurance
A 30-day cooling-off period applies, during which you can cancel and receive a full refund if no claims were made.
After 30 days, the policy can be cancelled at any time, but no refund is provided for the unused premium period.
To cancel, call 01 704 1010 or email customerservice@irishlife.ie.
How to Cancel Any 123.ie Policy
You can always send an email to info@123.ie to get cancellation guidance tailored to your specific situation.
You can also call one of the following numbers:
- Car, Home, Young Drivers, Landlord - 01 524 6029
- Health - 01 518 1400
- Travel - 091 501 677
- Van - 01 241 8585
- Life - 01 704 1010
You can also contact us by post by sending your mail to - 123.ie, RSA House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16, D16 FC92