123.ie insurance

Noxin

Anyone have any experience with this group?
I'm getting a very cheap quote with them but I cannot find details on their policy excess etc... Anyone know?

dos30

I got insured with them recently, got a very cheap quote aswell.
I didn't realise it at the time but I think they are actually a broker as my insurance cert says Travellers Insurance Company.
Does anyone have any experience with making a claim through this group?

My excess is €200.
Drivers under 25 is €500

andrewh5

They are a brokers. I have just renewed my car with them from Quinn. A saving of 40%!!!

Fizman

andrewh5 wrote: »

They are a brokers. I have just renewed my car with them from Quinn. A saving of 40%!!!

I have just done the very same. They came to be 100 euro cheaper than Quinn.

peanuthead

andrewh5 wrote: »

They are a brokers. I have just renewed my car with them from Quinn. A saving of 40%!!!

Wow!! Yeah I just checked too, my insurance is up for renewal next month!! Very cheap for me too!!

Wonder what the full terms and conditions are though. Is there a way to find out which company you will end up insured with before committing to sale?

Features of Third Party Fire&Theft:

Features

* Step Back No Claims Bonus

* Driving Other Cars Extension (For drivers over 24 with a Full Licence)

* Fire Brigade Charge - €1,500

* Replacement Locks - €1,000

* 24 Hr Breakdown Assist, 365 Days

* Permanently Fitted Radio/Audio - €500

* New Car Replacement

* European Cover Free up to 30 Days

Noxin

peanuthead wrote: »

Wow!! Yeah I just checked too, my insurance is up for renewal next month!! Very cheap for me too!!

Wonder what the full terms and conditions are though. Is there a way to find out which company you will end up insured with before committing to sale?

Features of Third Party Fire&Theft:

Features

* Step Back No Claims Bonus

* Driving Other Cars Extension (For drivers over 24 with a Full Licence)

* Fire Brigade Charge - €1,500

* Replacement Locks - €1,000

* 24 Hr Breakdown Assist, 365 Days

* Permanently Fitted Radio/Audio - €500

* New Car Replacement

* European Cover Free up to 30 Days

I believe they insure through http://www.travelers.ie/

So far things are looking good for me with it anyway. Mine is up at the end of this month also so shopping around. If I find anymore nice and cheap I'll post them also.

tw0nk

+1 my insurance due for renewal start of Feb

shivkk06

got quote with these too was over 150 cheaper than most, but nearly 5oo cheaper than quinn ( i dont think they like me )

nice to see this as i am paying the up front on friday, so handy to know if anyone has had an probs with these


Can someone explain the excess to me im useless on this? Does it mean if i claim i have to pay that amount to them before thhey would settle ??

fletch

Also saved over €300 by going with them!

Noxin

shivkk06 wrote: »

got quote with these too was over 150 cheaper
Can someone explain the excess to me im useless on this? Does it mean if i claim i have to pay that amount to them before thhey would settle ??

Basically yes. You need to pay the excess first and they will settle the rest. this is why some companies offer you the option to increase you're excess. This will lower your car insurance price but if you do need to claim, you will need to pay out more.

Nox.

John Mason

i saved €120 for my car insurance with them - i am insured with Hibernian.

I also saved €100 on my house insure too

ronnie3585

peanuthead wrote: »

* Fire Brigade Charge - €1,500

What's Fire Brigade Charge?

Sounds exciting.

jonathan11

I switched to 123.ie / travellers last month. It was roughly €200 cheaper than the next best quote. It had all the standard features like breakdown assist etc, a tiny charge for no claims protection and a reasonably small excess charge. The guy I spoke to in 123 was very helpful. Would defintely recommend.....

Plascebo

I used them for my travel insurance and house insurance, found them to be the cheapest. Car insurance not up for a few months yet but will see what they offer for that too.

Zube

ronnie3585 wrote: »

What's Fire Brigade Charge?

Your car catches fire, you call the firemen, they put it out...

and hand you a big bill. This insurance policy will pay the bill.

shivkk06

Noxin wrote: »

Basically yes. You need to pay the excess first and they will settle the rest. this is why some companies offer you the option to increase you're excess. This will lower your car insurance price but if you do need to claim, you will need to pay out more.

Nox.

thanks for clearing that up noxin

Darando

used them also - was covered with Eagle Star (Zurich). The excess is different for each company I believe - so make sure you ask them what it is when they offer you a quote.

Puncell

another insurance group worth trying is Munster Group in ennis clare...just google munster group ennis for the number.....

i got thios info on the 4X4 thread 6 months ago and i got my quote on a jeep for €420...the next best quote was around the €1100 mark so i was over the moon......definitly worth a try in these recessionary times..

Ta me anseo

Guy and Gals,

Just be careful. I got a quote from them last year. Far and away the best price. Hidden away in a little document that you find from a tiny link, I discovered the excess was 4,000 euro. That's right - four thousand euro!

Just went online again now, got a quote and looked through the poilcy documents. I can't find any number for the excess at all now. Make absolutley sure you know the excess before you buy..............

Evil_Clown

I am also renewing my insurance at the end of the month
Just got my cheapest quote (over €150 cheaper than next best so far) from these guys:

Munster Insurances Financial Limited
t: 0818 222400

andrewh5

ronnie3585 wrote: »

What's Fire Brigade Charge?

Sounds exciting.

It covers the bill the Fire Brigade send you after putting your house out

Scottie99

Saved €130 this time with 123

patrickc

jonathan11 wrote: »

I switched to 123.ie / travellers last month. It was roughly €200 cheaper than the next best quote. It had all the standard features like breakdown assist etc, a tiny charge for no claims protection and a reasonably small excess charge. The guy I spoke to in 123 was very helpful. Would defintely recommend.....

+1 i've used them as yourself, had to use their breakdown assistance too, was very quick and the guy was great who towed my car, only thing was they didnt offer me a replacement car as per policy, just money towards transport/hotel.

giddybootz

Grrr it just tells me 'sorry we are unable to give you a quote at this time'

i will own the car, provisional licence, 25 yrs young, 1997 car....why wont they quote me??

mickdw

giddybootz wrote: »

Grrr it just tells me 'sorry we are unable to give you a quote at this time'

i will own the car, provisional licence, 25 yrs young, 1997 car....why wont they quote me??

Possibly because car is over 10 years old or provisional licence

DaveD

Ta me anseo wrote: »

Guy and Gals,

Just be careful. I got a quote from them last year. Far and away the best price. Hidden away in a little document that you find from a tiny link, I discovered the excess was 4,000 euro. That's right - four thousand euro!

Just went online again now, got a quote and looked through the poilcy documents. I can't find any number for the excess at all now. Make absolutley sure you know the excess before you buy..............

Thats because 123 used to be through Zurich Insurance. All 123 policies are now through Travelers Insurance as of last October or so. Standard excess is either 125 or 250, can't remember exactly. You can take a voluntary excess to reduce your premium.

giddybootz

mickdw wrote: »

Possibly because car is over 10 years old or provisional licence

thanks!

weird...i didn't know that the car age affected it (unless it is a classic or vintage)

they have the option 'provisional licence' so i assumed they would quote me....otherwise why have it as an option?!?

mickdw

giddybootz wrote: »

thanks!

weird...i didn't know that the car age affected it (unless it is a classic or vintage)

they have the option 'provisional licence' so i assumed they would quote me....otherwise why have it as an option?!?

Well ensure.ie list car age of 10 years or less as a requirement for an online quote.
Also, they may insure provisional drivers over a certain age but being 25, on a provisional and 12 year old car gives them a few sticks to hit ya with.

victor1

just did online quote for 123.ie and about 300 bucks cheaper than this years (policy up for renewal in may this year) - could not see any excess figure on details of quote though

Fizman

victor1 wrote: »

just did online quote for 123.ie and about 300 bucks cheaper than this years (policy up for renewal in may this year) - could not see any excess figure on details of quote though

Just had a look through the policy details that 123 sent out to me last week. The following is the excess details. Apologies for the layout, I haven't used the table feature on boards so if a mod wants to align the tables, well and good. It should be pretty understandable though. Basically, if you are 25+, with a vehicle under the value of 100k, the excess is 200. If you are 24 or younger, its 500.

Vehicle Value
€1 to € 100,000
€100001 to €150000
€150001 to €200000
€200001 to €250000



Drivers aged 25 to 75
€200 ADF&T
€450 ADF&T
€750 ADF&T
€1000 ADF&T



Drivers aged 19 to 24
€500 ADF&T
€750 ADF&T
€1050 ADF&T
€1300 ADF&T

shivkk06

went with these yesterday 330for year im well pleased

Fizman

shivkk06 wrote: »

went with these yesterday 330for year im well pleased

Ya apparently the site says "insurance from 290", so you can't really do much better than that. I got 727, which is 100 less than Quinns renewal. I'm fairly happy with that seeing as I only have my full license 6 months, and driving for only 2 years.

BlackWizard

1153 from Quinn and 1350 from 123.ie

I'll be sticking with Quinn for a while yet.

Looking at all your quotes is making me feel horrible about my own.

killwill

BlackWizard wrote: »

1153 from Quinn and 1350 from 123.ie

I'll be sticking with Quinn for a while yet.

Looking at all your quotes is making me feel horrible about my own.

If you go back ti 123 again with your quote from Quinn they will beat it and then, go back to Quinn and so on so forth until you have a competitive quote.

peanuthead

giddybootz wrote: »

thanks!

weird...i didn't know that the car age affected it (unless it is a classic or vintage)

they have the option 'provisional licence' so i assumed they would quote me....otherwise why have it as an option?!?

Im 25, with a 97 car too, now I have a full licence, but I dont even have it a year. They quoted me. I dont think its to do with the year of the car so much as it has to do with the model of the car. What make/model is it?

Fizman

BlackWizard wrote: »

1153 from Quinn and 1350 from 123.ie

I'll be sticking with Quinn for a while yet.

Looking at all your quotes is making me feel horrible about my own.

You should also try 25plus.ie. The girl I spoke to was very interested in what other companys were offering me and had asked me to get back to them as they may be able to match or better the competitors, although I didn't go with them in the end (I had initially selected Co. Limerick as my location, instead of Limerick city. Difference of over €250 :eek:).

EDIT: That is assuming you are over 25. Althoug hgoing by your quotes, you're probably a bit younger.

Dogwithabone

Just got a quote of €380 for Comprehensive Class 1 insurance, full no claims protection and my wife as named driver, €120 cheaper than my existing insurer (Allianz) and €70 cheaper than Hibernian.

25Plus also quoted me €380. They seem to be based in Northern Ireland, anyone know if that would be a problem if you had an issue with them or they went out of business (i.e. because they're not regulated or bonded in the Republic)?

Rowley Birkin QC

Got a quote from 123.ie €300 cheaper than my renewal with Axa.

24yo male
11 yr old 1.6 petrol car
2 points on 3.5 year old full license.

Voodoomelon

Holy balls, I just did a quote with 123.ie and its €550 cheaper than my Quinn policy which I got 3 weeks ago! Can I ring up and cancel my Quinn policy, or is there a fee for cancelling?

EDIT: I just checked, Quinn charge €50 to cancel and I have to return the tax disc and certificate. I'll be changing tomorrow so!

rojerdandry

27 years old 10 months full licence, 2 years named driver:
living in the midlands, driving 10 yr old merc.
quinn and axa wanted over €1100
123.ie wanted €820
JARDINE LLOYD THOMPSON IRELAND €740 - broker so it's actually AIG covering (might not suit man u fans...)
all fully comp etc with windshield cover and 365 assistance and reasonable excess.

Voodoomelon

I rang up Quinn on Monday and cancelled my insurance, rang 123 moments later and switched, very pleasant dealing with them, just waiting on my disc and certificate now and my €550 refund from Quinn.

Gun_Slinger

Good Thread this.

Just a note on Travelers insurance that one of the reasons its so low is because as default you get "Step Back" protection on your No Claims bonus. This means if you have an accident your no claims will lose 2-3 years which in my case would mean a big difference in premium next time round. With most insurers I got quotes from, they quoted based on full protection on your No Claims bonus.

Not to worry though, I just let them know my existing insurer provided the Full protection and they matched it, saving me 100 euro in the process

I got insured with Travelers through insure.ie (were cheaper than 123.ie for some reason?)

commited

The quotes seem great for me - male, 24, 3y ncb but really crap for gf - 24, 1y ncb. Very odd.

A small tip for people - add your mother/father onto the quote - it'll generally reduce it

paulg1770

Quinn are ridiculous my renwall quote is 1290,
26, 3 years with them, 3 years no claim bonus, full licence 1.5 years, no points, 1999 vvtli celica

123.ie 800 all in! does anybody reckon theres a cheaper company?

Dingatron

Tried 123 yesterday. €348 with full ncb protection. Went back to insure.ie who originally quoted me €418 for renewal and they re quoted me €333. Tried Quinn and they wanted €1260. :eek:

Scruff

quinn are quoting me:
€421.98 for 3PFT with full NCD protection
€607.89 for Comp with full NCD protection

123.ie:
€423.52 for 3PFT with full NCD protection
€516.90 for Comp with full NCD protection

the only big difference i can see between the two for fully comp is that quinn's include a €6500 personal injury insurance...hmm....

CM21

Quinn also list legal fees as a feature. Does anyone know if 123 cover legal fees?

gaz wac

paulg1770 wrote: »

does anybody reckon theres a cheaper company?

For the past five years, i have been going between insure.ie and Aaran Insurance in Harolds X to get best prices..... Aaran always wins

Celtic07

im 22. one years no claim bonus full licence 6 months..any fully comp im trying 1200+ crazy anyone mention good companys? clean licence no points etc

cadete

Hey im with top quote in letterkenny i couldn get any1 to come near them, worth a call 4 sure

thecons

Can anyone help, I'm trying to get car insurance for my parents, aged 74 and 78. They got a ridiculous quote from Hiberian and I've tried all day to get a quote from 123. Keeps saying "sorry, we can't quote you right now". I'm wondering is it something to do with their age...? To look for €555 for 3rd party on a 12 year old Fiesta, with 40 years driving each is madness!