123.ie wtf

sean1141

ok so i got my insurance remewal from 123.ie in the post this morning. up about 300 euro since last year.. bill is for 996.87:eek: just went online and got a new quote 835.16:eek: thats 161.71 in the differance... now i know they tend to give a discount for new policy's but thats taking the piss....

i was with travllers last year (123 is a broker) but this year (if i buy from them) will be with the RSA... guess they dont like the FR part of the leon... even do it is a diesel:D:p

guess its time to shop around!!

Cookie_Monster

That really annoys me when they give you a crap quote as an existing customer but if you put in every the same as a new customer its cheaper. :mad:

kc66

They have changed the insurance company they deal with.

Atomic Pineapple

Insurance has risen across the board.

6 months ago online quotes for me on the ST were around €600, now they are coming up as around €900.

This is the same across all the companies.

neris

we all get screwed because their investments have gone down in price

Fizman

sean1141 wrote: »

i was with travllers last year (123 is a broker) but this year (if i buy from them) will be with the RSA... guess they dont like the FR part of the leon... even do it is a diesel:D:p

guess its time to shop around!!

There is a diesel FR?

jayok

Not all went up, mine went down, renewed on Oct 2nd and it went from €550 or €498 (with One Direct)

Yakuza

neris wrote: »

we all get screwed because their investments have gone down in price

That may be a factor, but the flooding events last year, and the big freeze of early this year makes for a sh1tload of claims which has emptied their reserves. My car insurance stayed about the same (even though I had changed from a 2.2 petrol to a (new)1.5 diesel) in May, but my house insurance went from 300 in Sep 2009 to 450 this year. That's a hell of a jump. I did shop around and (for once) the renewal quote was actually the best I could get.

Normally, both my motor and house renewal letters contain a figure that absolutely takes the p1ss, but as soon as you ring them up about it they're able to magically reduce the premium to something approaching what a new customer would get.

A bit off topic, but you can reduce your house insurance by reducing the rebuilding costs; these have fallen over the last few years. I was able to pare down my house insurance by €50 by reducing the rebuild sum assured.

R.O.R

Are all the details the same between the renewal and the web quote? My renewal with 123 came last month and if I put the same details in to the website, I got the same quote.

The value they had was a bit high for my car, so I dropped it and it came the same from the website and customer service. Was the same last year - web quote matched my renewal notice.

They were also quite a bit cheaper than anyone else I priced for the same level of cover.

bazz26

I don't understand why people tend to get worked up by this. I always shop around irrespective of what my renewal comes in at. The company that offers the best cover at the best price gets my business. I give no loyalty to insurance companies the same way they don't give loyalty to me to retain my business.

BTW I have rarely stayed with the same company for consecutive years.

sean1141

im not expecting loyalty but at least they could have the online quote and the one they sent me out in the post the same.. of course im going to shop around.. i do every year.

Cookie_Monster

bazz26 wrote: »

I don't understand why people tend to get worked up by this. I always shop around irrespective of what my renewal comes in at. The company that offers the best cover at the best price gets my business. I give no loyalty to insurance companies the same way they don't give loyalty to me to retain my business.

BTW I have rarely stayed with the same company for consecutive years.

thats the way to do it of course but it does annoy me that no insurance company seem to give a damn about loyalty. Few match other companies better quotes to keep you and they end up losing a customer and the same customer tell all their friend that "x are a shower of tight ****ers, I wouldn't touch them again. Don't give a damn about their customers" etc etc
Not good for business

Kimono-Girl

my renewal with aviva this year was €460 down from €500 last year,
(this was to cover me and my partner fully comp with NCD protected, and free windscreen repair.)
they gave me numerous discounts, including an 8% renewal and two 20% discounts for no penalty points and 2 years no claims, and a discount for having my partner on my insurance,

the cheapest quote i got from 123.ie was €800 for me on my own,

so i went with Aviva, when i dropped into their offices to pay them, they added on a discretionary discount, so in total i paid €400.

bazz26

Insurance companies are like mobile phone companies, they offer great deals for first time customers but do very little to retain those customers.

Jimmy Bottlehead

Rang them recently, was told there was no point getting a quote unless it was being taken on the spot, as they are changing underwriters at the moment (as stated above) and some prices are going up while others are going down.

metzengerstein

i was happy with my renewal qoute this year ,it went down and i also did a pay monthly option and only went up and extra 30..when i was with quinn and wanted to do that it went up €100

no1beemerfan

My sister's bf has a Lotus Elise (111r - 190 bhp toyota VVTLi engine) and he checked out the websites the other day putting everything on a year (age, no claims etc) and the quote went from €2,400 it is at the moment to €4,500 :eek:

If it stays like this there will be an Elise for sale in Feb '11!

Mine went up this year but after a bit of haggling I got it renewed at a slightly less than last years price.

no1beemerfan

metzengerstein wrote: »

i was happy with my renewal qoute this year ,it went down and i also did a pay monthly option and only went up and extra 30..when i was with quinn and wanted to do that it went up €100

Another thing I only found out this year that is if you are insured with Axa and have a credit union a/c you can pay monthly with no interest/charges being applied.

Anan1

no1beemerfan wrote: »

My sister's bf has a Lotus Elise (111r - 190 bhp toyota VVTLi engine) and he checked out the websites the other day putting everything on a year (age, no claims etc) and the quote went from €2,400 it is at the moment to €4,500 :eek:

If it stays like this there will be an Elise for sale in Feb '11!

Tell him to forget online quotes and use the phone.