123.ie insurance

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 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.

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 ??

peanuthead wrote: »

* Fire Brigade Charge - €1,500

What's Fire Brigade Charge?

Sounds exciting.

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.

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

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

Saved €130 this time with 123

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??

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 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 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