What is policy suspension?

Policy suspension allows you to temporarily reduce your Car Insurance coverage when your vehicle is not in use, such as during extended holidays.

During suspension, coverage is limited to "Laid Up Fire & Theft," protecting against fire, theft, or attempted theft while the car is off public roads, like in a private garage.

Conditions for Policy Suspension

• Your vehicle must not be kept on a public road during suspension.
• You must destroy your insurance certificate and disc.
• Suspension requests can be made verbally or in writing, with a specified start date (suspension cannot be backdated).
• The car must remain in your possession and must not be sold or scrapped during suspension.
• Direct debit payments must continue while the policy is suspended.
• The minimum suspension period is 28 days.
• If a claim occurs before or during suspension, including windscreen claims, no refund will be issued.

When reinstating the policy, 75% of the premium for the suspension period is refunded. For policies paid by direct debit, the refund is applied to reduce future payments. If the policy was paid in full, refunds are issued to the last card used, by bank transfer, or by cheque.

Policy Renewal During Suspension

If your policy is due for renewal while suspended, you have two options:

1. Do not renew – Coverage will end from the renewal date, and any refund due for the suspension period will be issued. Contact Customer Care to arrange your refund.

2. Renew and suspend again – After renewal, you must request another suspension, as it does not automatically continue beyond the renewal date.

*Please note, suspension isn't available for 123GO policies.

For further assistance, contact our Customer Care team at 01 524 6029 or email motor@123.ie.