123.ie.. where do they get off??

celica1994

I think we have all be plauged with those horrible 123.ie adverts on tv lately apparently stating fully comp car insurance for 250 euros... very funny how im a 26 yo male driver living in laois, 6 years no claims bonus, no previous claims and clean licence and heres what they offer me -


€1,051.46
or €76.82
per month*


wow, such a far cry from 250 euros as they boast on theyre adverts lol:D

celica1994

sorry forgot - same quote with nononsense.ie -

€428.18 - tpft


some difference

Guy:Incognito

celica1994 wrote: »

I think we have all be plauged with those horrible 123.ie adverts on tv lately apparently stating fully comp car insurance for 250 euros...

FROM €250. Big difference.

bladespin

Depends on the car etc, it says from €250. They've been the best by a good bit for me over the last few years.

celica1994

yea but im just stating how over 1k is a far cry from 250 euros, if it was even double the 250 euros i still wouldnt be as shocked as i am now, its 4 times higher then they boast on theyre adverts!

dharn

what car ?what age group? has anybody actually gotten a quote for 250?

homer90

celica1994 wrote: »

yea but im just stating how over 1k is a far cry from 250 euros, if it was even double the 250 euros i still wouldnt be as shocked as i am now, its 4 times higher then they boast on theyre adverts!

yeah, but whats the car your trying to get the quote for ?

celica1994

just a 03 diesel passat, ive got it insured with fbd at the moment for 450 euros..

m.j.w

celica1994 wrote: »

I think we have all be plauged with those horrible 123.ie adverts on tv lately apparently stating fully comp car insurance for 250 euros... very funny how im a 26 yo male driver living in laois, 6 years no claims bonus, no previous claims and clean licence and heres what they offer me -


€1,051.46
or €76.82
per month*


wow, such a far cry from 250 euros as they boast on theyre adverts lol:D

why is it cheaper to pay by month?

12*76.82 = 921.84

celica1994

lol i dunno, i just cut and pasted that from the quote lol

Max Power1

m.j.w wrote: »

why is it cheaper to pay by month?

12*76.82 = 921.84

probably a deposit upfront also

Mc Love

Its like saying Mc Love Insurance - from 100 euro. Still goin to be more than 100

Atlantic Dawn

celica1994 wrote: »

just a 03 diesel passat, ive got it insured with fbd at the moment for 450 euros..

Very strange, a Passat would have little risk loading on it, they must have taken their quote of males under 30 for the month or something :rolleyes:.

Jarren

I based my calculation on your nick name;)

Your age:26
You are: Male
Your licence type:Full Irish
No claims discount earned in your name in Ireland or UK: 6 years
You live in:Laois
Your engine size is: 1.8
Your estimated car value: € 1800 http://cars.donedeal.ie/for-sale/cars/1985150

FBD
- third party 442.12
- third party,fire,theft 490.11
-comp 689.24

+ extras I reckon:pac:

celica1994

yea but thats who im with atm, fbd lol

i was talking about 123.ie being horribly overpriced lol

celica1994

jarecki1976 wrote: »

I based my calculation on your nick name;)

Your estimated car value: € 1800 http://cars.donedeal.ie/for-sale/cars/1985150



thats not my car, im driving a passat lol

jamesbrond

A mate of mine works in 123.ie and told me how they work. Im sure he rest of them work this way too.

This is the best way to play them at their own game.
- You get your quote which is at least 35+ percent more than you should get.
- You ignore it and they send you an email or give you a call.
- Suddenly their price is down by 20% from the original.
- You hit them with quotes of 35 - 40% below their offer that you have got from ringing around (ALWAYS RING AROUND - Insurance companies make their money from laziness)
- They will match your best quote.

or you could do it the alternative way
- get your quote from 123.ie
- Take it and pay through the nose.

Which is better?

Also 123.ie when giving you a renewal quote will also add a minimum of 35% on to the renewal price. Most people just take it. Ring around and then ring 123.ie back and you'll find hundreds in savings waiting for you.

Jarren

celica1994 wrote: »

jarecki1976 wrote: »

I based my calculation on your nick name;)

Your estimated car value: € 1800 http://cars.donedeal.ie/for-sale/cars/1985150



thats not my car, im driving a passat lol

Me bad:o

I used your user name :pac:

celica1994

ha its cool man, but it goes to show, if i were driving a 94 celica thats a lightweight sportscar with 170bhp, it works out the same as if i was driving my safe auld passat lol

gcgirl

Right to avail oof the 250 euro offer
You have to be
1: Female
2: 20 yr no Claims bonus
3: no penalty points

:-)))))

celica1994

so letme get this straight... a girl thats 6 years younger then me with prob 1/3rd my no claims bonuses gets cheaper insurance lol?

jamesbrond

OP - Do a little experiment. Ring 123 back with the quote you got form FBD and tell us what 123 quote you then?

Atlantic Dawn

celica1994 wrote: »

so letme get this straight... a girl thats 6 years younger then me with prob 1/3rd my no claims bonuses gets cheaper insurance lol?

Until December 2012 she does :rolleyes:

tina turner

thirty somth female, 5yrs no claims, 3rd party fire and theft = e250, just got it actually. its on 1.4 petrol from 123.ie

mickdw

I know a man that got his insurance for €280 from them.

3rd party on a 10 year old mondeo and the man is almost 70.

celica1994

gotta love how discrimination against young male drivers is still flurishing in Ireland hahaha!

whyulittle

Check out the small print on the ad next time, it gives the criteria the €250 quote is based on.

38 year old woman, 6 years NCB on a 1.something.....

tina turner

celica1994 wrote: »

gotta love how discrimination against young male drivers is still flurishing in Ireland hahaha!

as one of the posters mentioned earlier,until december 2012. just did a comparison on thirty somth male with same criteria as myself, came out at e450 for third part fire and theft.

dreading next year...

celica1994

my insurance aint up till september, its all more money at the end of the day:D

Cabaal

celica1994 wrote: »

I think we have all be plauged with those horrible 123.ie adverts on tv lately apparently stating fully comp car insurance for 250 euros... v

If your going to complaint about something atleast get the facts right

123.ie offer "car insurance FROM 250 euros.."

https://www.youtube.com/watch?v=pxOgpFrhRTM

The wording makes all the differences, the advert is still not incorrect

Tefral

Im with 123.ie and they were the Cheapest Quote with the Business driving extension, however that was when they were with Travellers, i think they are with Zurick now are they? Dreading to see my renewal in June...

celica1994

celica1994 wrote: »

ha its cool man, but it goes to show, if i were driving a 94 celica thats a lightweight sportscar with 170bhp, it works out the same as if i was driving my safe auld passat lol

nothing light about those celicas, heavy bastads actually.

celica1994

DUHHHHHHHHHHHHHHHHHHH!

your about 20 posts behind the rest of us, we all know the "FROM" 250 euro part, my point was being, its stupid trying to put across the massive impression of theyre car insurance seeming ridiculously cheap when infact its 4 times more expensive then theyre slogan suggests lol

NeVeR

I did both 2 weeks ago

I'm 28 male, 7 years NCB's I'm living in tallaght.
Never had a crash or any points .

car: 2006 Honda Accord

123 wanted €910 fully comp.
nononsense was looking for €550 thats with break down assist and windscreen cover !

123 are a rip off.

I think you need to be 50 years old.. no claims and driving a 1.2 lt living on bubble wrap island to get €250

123.ie quoted me €366 for the ZT (2.5 only 180bhp though) a week ago, I'm 30 with full NCD, full license and 0 points. Will try nononsence later on Insurance is up on the 10th April.

Uriel.

I've been with 5 different companies for each of the last 5 yrs. Was with 123 up until my last renewal. I had moved house during tw insurance year, I rang them about 6 weeks before before my renewal date and asked them if they'd send the renewal docs to my new address (also had my hose insurance with them). They wanted a 40euro admin charge to change the address on the car insurance renewal docs. I kicked up about it, they said they couldn't do anything about it. So I told them to leave the address as it was - they were very concerned that I wouldn't get the renewal documents so I told them that was my problem.

Anyway I arranged with the people in my old place to collect the docs from them when they arrived. Needless to say my car and house insurance was renewed with other companies. So the lost a nice but of business. Then they had the neck to ring me 4 times about why I dint renew with them. They got some earful from me

Tefral

The real cost of 123.ie comes in when you need to do anything to your policy.. Thats the cost you gotta watch. Say you need to transfer your insurance for a week to another car.. bam €10 admin fee (I think it might actually be €40 i havent had to do it in a while) anything you do attracts a fee.. these things can quickly add up.

SurferDude41

123.ie is a waste of time. They gave me a quote of €420 fully comp including breakdown assistance....for a 99 skoda octavia Tdi.
I rang them back a week later to buy this product, and they said the rate had changed.
They promised to ring me back the next day with an updated quote, when they didn't return my call, I got the same product from AXA for €450.

spiggotpaddy

i wonder has anybody ever won a claim with

"123.ie just log on and throw away money

cabrwab

In fairness there is small print on the ad, quote based on 1.2l 02 vw polo male 35 no points, driving car 1000miles a year etc etc, something like that.

There is always small print!!

SurferDude41

SurferDude41 wrote: »

123.ie is a waste of time. They gave me a quote of €420 fully comp including breakdown assistance....for a 99 skoda octavia Tdi.
I rang them back a week later to buy this product, and they said the rate had changed.
They promised to ring me back the next day with an updated quote, when they didn't return my call, I got the same product from AXA for €450.

The quote is valid for a day only, you didn't read it fully.

Cabaal

celica1994 wrote: »

your about 20 posts behind the rest of us, we all know the "FROM" 250 euro part, my point was being, its stupid trying to put across the massive impression

One would have that if that was the case that you knew it was FROM then you would have stated as such...of course you didn't so now your trying to save face.

Good call
:pac:

Ev84

RoverJames wrote: »

nothing light about those celicas, heavy bastads actually.

You can say that again... Used to have a 93' GT4 Celica with a faulty battery. Used to be bollixed pushing the f**ker!

jimmyw

cabrwab wrote: »

In fairness there is small print on the ad, quote based on 1.2l 02 vw polo male 35 no points, driving car 1000miles a year etc etc, something like that.

There is always small print!!

Exactly, there are always conditions on these things.I got fully comp on a Saab 2litre turbo for 500 one year and a renewal quote of 476 the next with them.I could not fault them.You hardly expect to get 290 or close to it for everyone.

Absurdum

you have to be a mid-thirties female driving a Yaris with loads of no claims to get the €250 thing



not much more for a male with the same details apart from the addition of a penis:

bladespin

spiggotpaddy wrote: »

i wonder has anybody ever won a claim with

"123.ie just log on and throw away money

? How do you win a claim?

I found AA to be the cheapest, cheaper again if you're an AA member

bluewolf

bluewolf wrote: »

I found AA to be the cheapest, cheaper again if you're an AA member

I never found them remotely competitive and that's without factoring in the lack of breakdown cover for free on their motor insurance policy

RoverJames

RoverJames wrote: »

I never found them remotely competitive and that's without factoring in the lack of breakdown cover for free on their motor insurance policy

really? I get quotes everywhere at renewal and they're still by far the cheapest for me

RoverJames

RoverJames wrote: »

123.ie quoted me €366 for the ZT (2.5 only 180bhp though) a week ago, I'm 30 with full NCD, full license and 0 points. Will try nononsence later on Insurance is up on the 10th April.

Nononsense.ie are a bit looney for me really.......

3rd party f & t €283.64 which is good but then...

No Claims Discount Protection [Add €108.00]
Policyholder driving other cars [Add €27.50]
Breakdown Assistance Cover [Add €55.00]
Windscreen/Glass Breakage [Add €25.25

so it's really €500, f that.

mcwhirter

celica1994 wrote: »

I think we have all be plauged with those horrible 123.ie adverts on tv lately apparently stating fully comp car insurance for 250 euros... very funny how im a 26 yo male driver living in laois, 6 years no claims bonus, no previous claims and clean licence and heres what they offer me -


€1,051.46
or €76.82
per month*


wow, such a far cry from 250 euros as they boast on theyre adverts lol:D

They tend to be cheaper for over 30's in my experience