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123 insurance

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  • 01-02-2012 10:52pm
    #1
    tommy26
    Closed Accounts Posts: 106 ✭✭


    What are they like.I got a qoute today for €350 other companies were charging €550 to €700 fully comp.how are they so cheap.? know there is an excess of €300 but i dont mind that.


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    #2
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    It's an RSA policy and its generally fine. Any specific concerns?


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    #3
    aido76
    Registered Users Posts: 614 ✭✭✭aido76


    I have been with 123 for the last few years. Haven't made a claim yet (touch wood) so not sure how that are at paying out. Only watchout is they charge €40 if you need to change insurance from one car to another during the term. I think they charge €40 for any change you make to your insurance during the term, maybe this is why they can offer cheap insurance.


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    #4
    eh i dunno
    Registered Users Posts: 12,030 ✭✭✭✭eh i dunno


    With them a few years and no problems really. Had a small crash and it took a while to pay out though. But 123 are only brokers so its not them that were delaying the payout


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    #5
    [Deleted User]
    Posts: 0 ✭✭✭ [Deleted User]


    Just got a quote from them as insurance is up in next 2 week.

    Aviva want €1800 (roughly, pay monthly).

    123 quoted me - wait for it- €1140!! (albeit, the want €370 up front, but stil its nearly €700 less!


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    #6
    tommy26
    Closed Accounts Posts: 106 ✭✭tommy26


    they just seem too good to be true.My car is worth a grand so not going to pay €600 or €700 for insurance,i have 5 years NCB aswell.thanks for the replies.


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    #7
    Swampy
    Registered Users Posts: 2,104 ✭✭✭Swampy


    Had my renewal recently from aviva looking for €890. 123 gave it to me for €390 fully comp. For a 3.2L!! Iove 123.


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    #8
    stargazer 68
    Registered Users Posts: 5,088 ✭✭✭stargazer 68


    I have been with them for 4 years and they have always been the cheapest. I have fully comp Nissan Micra - 300. :D
    Never made a claim though so cant give any info on that but had my windscreen replaced last winter with no problems


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    #9
    sogood
    Registered Users Posts: 1,258 ✭✭✭sogood


    Swampy wrote: »
    Had my renewal recently from aviva looking for €890. 123 gave it to me for €390 fully comp. For a 3.2L!! Iove 123.

    I'm with you on that Swampy. I had been with Quinn for years and then they asked silly money on my renewal, with full ncb etc. Seems like they are either trying to recoup losses or just drive business away. Anyway, 123 came in at almost half what Quinn wanted on a 1.4 Rover and only €70 more for a 3.2 Jag like Swampy, fully comp and all the whistles and bells. I haven't had cause to claim, touch wood, but we all hope and expect not to have to. So the excess isn't an issue and you are road legal, simples!


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    #10
    Damien360
    Registered Users Posts: 6,375 ✭✭✭Damien360


    Almost the same story here. I was with 123 for 2 years with no claims and they were always cheaper. But, at renewal time in May, they jumped up from 350 to 550 and would not budge. Usual guff about large claims from I went back to FBD with a quote for 490.

    123 then offered to lower it to match but when I compared the policy to FBD, the FBD was a better one in relation to fire brigade charges and rental car if my car was off the road for major repair.


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    #11
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    Can we get it straight that 123 are a tied agent to Royal and Sun Alliance? A broker?


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    #12
    Triangle
    Registered Users Posts: 960 ✭✭✭Triangle


    123 are owned by RSA - they were bought last year I believe.

    http://www.irishtimes.com/newspaper/breaking/2010/0728/breaking25.html

    Edit: Bought 2010 - time flys.......


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    #13
    Alanstrainor
    Moderators, Motoring & Transport Moderators Posts: 23,157 Mod ✭✭✭✭Alanstrainor


    I often wonder about the quotes they give sometimes...

    1.6 MX5 (2002ish) for a year 1000
    330ci around the same vintage is exactly the same...what the hell!?

    Does someone want to give me money for the tax for a year?!:D


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    #14
    [Deleted User]
    Posts: 50,630 ✭✭✭✭ [Deleted User]


    Just incase it's important to you, I'm pretty sure driving of other cars is excluded.


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    #15
    Padraig Mor
    Registered Users Posts: 9,543 ✭✭✭Padraig Mor


    Deleted User wrote: »
    Just incase it's important to you, I'm pretty sure driving of other cars is excluded.

    It's not. Also includes breakdown assist, windscreen cover etc.


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    #16
    Leo Dowling
    Closed Accounts Posts: 322 ✭✭Leo Dowling


    Went with them for €250 for the bottom rung cover. The disc fits into my disc holder perfectly and the guards can't bring me to court. Job done.


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    #17
    [Deleted User]
    Posts: 50,630 ✭✭✭✭ [Deleted User]


    Padraig Mor wrote: »

    It's not. Also includes breakdown assist, windscreen cover etc.

    yeh my friend said hers doesn't included it but she could be on an old (pre rsa) policy


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    #18
    colm_mcm
    Registered Users Posts: 73,390 ✭✭✭✭colm_mcm


    Leo Dowling wrote: »
    Went with them for €250 for the bottom rung cover. The disc fits into my disc holder perfectly and the guards can't bring me to court. Job done.

    Huh?


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    #19
    i71jskz5xu42pb
    Closed Accounts Posts: 1,806 ✭✭✭i71jskz5xu42pb


    MugMugs wrote: »
    Can we get it straight that 123 are a tied agent to Royal and Sun Alliance? A broker?

    http://www.123.ie/misc/about.htm
    We arrange products with the following providers:

    Product - Provider
    Private Motor, Home and Travel Insurance - RSA Insurance Ireland Limited
    Pet Insurance - Red Sands Insurance Company (Europe) Limited
    Life Assurance - Caledonian Life, Canada Life, Zurich Life, Aviva Life and Pensions, New Ireland Life Assurance


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    #20
    MugMugs
    Registered Users Posts: 17,875 ✭✭✭✭MugMugs


    Alex Modern Post wrote: »
    MugMugs wrote: »
    Can we get it straight that 123 are a tied agent to Royal and Sun Alliance? A broker?

    http://www.123.ie/misc/about.htm
    We arrange products with the following providers:

    Product - Provider
    Private Motor, Home and Travel Insurance - RSA Insurance Ireland Limited
    Pet Insurance - Red Sands Insurance Company (Europe) Limited
    Life Assurance - Caledonian Life, Canada Life, Zurich Life, Aviva Life and Pensions, New Ireland Life Assurance

    Your point? Are you on a pets forum? Or a travel forum? Or a life forum?
    123 are a tied agent of RSA.... What aspect of that statement changes from what you posted exactly?


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    #21
    PaleRider
    Registered Users Posts: 155 ✭✭PaleRider


    I got quote for 250. But will not give quote for 17yold until I insure with them first. Any advice on what they charge for 17yold.


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    #22
    Jimbob 83
    Registered Users Posts: 2,033 ✭✭✭Jimbob 83


    PaleRider wrote: »
    I got quote for 250. But will not give quote for 17yold until I insure with them first. Any advice on what they charge for 17yold.

    That doesn't make any sense, what happens you agree to be insured by them and then you hear this over the phone ?

    http://www.youtube.com/watch?v=jTmXHvGZiSY&feature=player_detailpage#t=33s


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    #23
    ei9go
    Registered Users Posts: 1,017 ✭✭✭ei9go


    get a quote from Brittion Insurances, they seem to have companies that you don't find anywhere else.


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    #24
    BigChap1759
    Registered Users Posts: 1,608 ✭✭✭BigChap1759


    Was with 123 for 3 years but changed car at the beginning of the year and they wanted an extra €250 to go from a 231bhp RX8 to a 2.0l diesel :confused:

    Ended up saving €300 going to Zurich...


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    #25
    dar83
    Registered Users Posts: 7,106 ✭✭✭dar83


    BigChap1759 wrote: »
    Was with 123 for 3 years but changed car at the beginning of the year and they wanted an extra €250 to go from a 231bhp RX8 to a 2.0l diesel :confused:

    Ended up saving €300 going to Zurich...

    But still lost out overall... :(

    :P


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    #26
    BigChap1759
    Registered Users Posts: 1,608 ✭✭✭BigChap1759


    True :(

    But saving €50 a week in fuel :eek:


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    #27
    Idbatterim
    Registered Users Posts: 17,843 ✭✭✭✭Idbatterim


    I often wonder about the quotes they give sometimes...

    1.6 MX5 (2002ish) for a year 1000
    330ci around the same vintage is exactly the same...what the hell!?

    Does someone want to give me money for the tax for a year?!

    i just insured my 325ci with them for E250 for the year. 28 year old male 4 years ncb, 3 year full license... that was for TPFT Lite :)


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