123.ie car insurance

What 123.ie says about its car insurance

• ComprehensivePays for repairs to your car and for damage to another vehicle or injury to third parties after an accident.
• Third Party, Fire & TheftCovers damage to another vehicle and injury to third parties, plus loss of or damage to your car through fire or theft.

• Comprehensive cover lists accident and emergency cover, accidental damage, emergency overnight accommodation, Keycare cover up to €1,500, personal accident benefits and personal belongings as included; Third Party, Fire & Theft lists these as not included.
• Both cover levels list driving of other cars (subject to criteria), use of your car abroad, fire and theft, and legal liability to others as included.
• Optional extras for an additional premium: No Claims Discount (Full), No Claims Discount (Step Back), Windscreen Cover and Breakdown Assist.
• No documents are needed before buying; documents are needed afterwards to send the certificate and disc.
• Open Driving Cover lets other drivers use the car if they have held a full Irish, UK or EU licence for at least 5 years, but it is not automatically in every policy.
• 123GO is a separate car insurance product for new, young or inexperienced drivers; it uses a black box fitted to the car (see 123GO page).

Read the full terms: 123.ie Standard Motor Policy Booklet (new policies from 30 September 2026), Motor Insurance Product Information Document (IPID), 123GO Policy booklet (new policies from 30 September 2026), 123GO Insurance Product Information Document (IPID), 123.ie Terms of Business.