123.ie insurance

fryup wrote: »

so is 123.ie an insurance broker or insurance company, and if they are a broker why isn't it made clear in their ads???

Broker. Travelers is the actual insurance company. Couldn't tell you why this isn't made clear in the ads, perhaps it's not that important. The important part for me was the €300+ improved quote i received against my Quinn renewal. . .i rang Quinn back for a bit of a haggle, the guy had no interest, "ah, i probably can't match that". . .ok, see ya

I was having a look around for a friend whose getting 2k+ quotes on her 1L group1 Corsa- they wouldn't quote her so I just started entering my details with everything 1 year ahead

couldn't believe the quotes



Entered: Male 23 - Single - Full clean license 1 year - 2 years ncb - Cork City

entered the following cars with a high value - alarm immobiliser and tracking. all are TPFT with step back protection


€1215 - 2.7 Porsche boxster - 2.5L RS Focus - 99' Lotus Elise

€1411 - Audi S5!!! 08' 4.4L

€ 1615 - BMW M3 E36 Evo 3.2

€1720 - 09' Audi R8 V10 5.2L

€1781 - Porsche 911 Carrera 4 - Escort Cosworth - Lamborghini Gallardo

€1925 - 00' Ferrari 360

€2485 - 08' Ferrari 599




Not bad considering I paid €1680 on a 1.4 Escort starting out last year

the only thing I noticed was they won't quote any Jap import car - even a (uk spec i think) 98' 1.6 GL Impreza, and even a Micra came out only €100 less a 98' 4 litre Range Rover

Just a wee rant

Still waiting on my insurance disc from 123.ie. Seem to recall this being a problem with the company in some other posts online (even though -typically- I can't find them now).

What they say when you ring is 'the cert and disc comes from the insurers, they send it to us, we send it to you, we use a courier to send them from our offices, not the usual an post way (?) that all can take 5-10 days.

Deadline missed.it's been over the 10 days.

I rang last week saying I'd been stopped and had to present my cert to a garda station by Friday 6th and they told me the cert had left the insurers and I would have them in 2-4 days. Deadline missed. Rang them this morning and they've told me the disc and cert were posted out to me Friday. Usually (thanks to Athlone sorting office) I would have got it Monday. If it doesn't arrive tomorrow not sure what to do.

I know things get waylaid in the post but this has been dragging on since before they told me it had been posted.

Rang them 4 times since I switched over, lovely staff on the other end but think they're either clueless, have a line to take, or proficient in pawning me off. No call backs when requested either. I probably would switch if I was within my cooling off period because I'm not confident of dealing with them in event of a claim. Was speaking to a supervisor tomorrow who was quite assertive but I'm still not sure what to do if the disc doesn't arrive tomorrow.

Any suggestions or shared experiences welcome!

123 less than above board??

Berkut wrote: »

well...you see what one of the above posters said about the excess....

Excess used to be high with 123.ie, it's not anymore.

/M

spitonmedickie wrote: »

Any suggestions or shared experiences welcome!

Strange - I take it that it's a new policy rather than a renewal?

I paid my renewal with 123 last month about 14.30, the policy was waiting for me when I got home the next day!

I'd be pretty sure they print the policy documents on site and post them from there, based on how quick mine came through.

I'd either ring, spreak to a manager and tell them you have to produce at a Garda station, or if you are in Dublin soon, pop in to the office in Sandyford and stand there until you have the documents in your hand.

Update!
Despite being adament yesterday that my docs were posted friday I got a phone call today admiting that Friday's post didn't go out til monday. Got letters yestrerday that were posted in Dublin Monday but still no docs.

Slightly more apologetic on the phone tomorrow but if I don't have them tomorrow I reckon threatening to stand in their lobby til I have them in my hand is the only way to go.

ronnie3585 wrote: »

What's Fire Brigade Charge?

Sounds exciting.

hahahaha, classic!

Went with 123.ie earlier this year and think I saved about 400 compared to other quotes I got, and they were super helpful too. And patient - when I didn't send in my cert of no claims by a certain date (because Quinn were so slow in sending it out to me) they were well within their rights to cancel my policy but gave me about 10 days grace. So I was very pleased with their customer service.

Have also just got a quote for house insurance off them and they are coming in way below other quotes.

Cionád wrote: »

Do you work for chill? - I see you have two posts and both of them look like cheap advertisements... Thanks Chill!

Same with the user JPKav. They must be trying to drum up a bit of business!

Can you get someone to look up your policy booklet and see what it says about cancellation? I'd imagine you would need to give at least 30 days notice in writing or something similar, that's pretty standard in my experience.

roseym wrote: »

Can you get someone to look up your policy booklet and see what it says about cancellation? I'd imagine you would need to give at least 30 days notice in writing or something similar, that's pretty standard in my experience.

here ya go

6. Cancellation
We may cancel this Policy by sending 7 days’ notice by Registered Post to your last known address. When the
Certificate of Motor Insurance and Insurance Disc are returned to us we will refund the pro-rata portion of the
Premium for the unexpired Period of Insurance provided no claims (including windscreen claims) have been made
against the Policy in the current complete year of insurance. You may cancel this insurance by
giving us 7 days’ notice in writing. Providing there have been no claim (including windscreen claims) during the
current complete year of insurance and you return the Certificate of Motor Insurance and Insurance Disc to us, we
will refund the premium less the Insurer’s short period rate for the time the Policy has been in force.
We will not refund any premium if the Policy is cancelled following a claim, whether settled or not.
Cancellation will be effective from the date we receive the Certificate of Motor Insurance and Insurance Disc
and shall be a Condition precedent to any return of premium.

7. Cooling Off Period
You have the right to withdraw from this Policy within 14 days of the start of the Policy. If you wish to withdraw
your Policy, please notify in writing to Travelers Insurance Company Limited, Block 1, Harcourt Centre, Harcourt
Street, Dublin 2 and we will treat the Policy as null and void. Prior to exercising your withdrawal rights, you must
return the Certificate of Motor Insurance and the Insurance Disc.

dddd12 wrote: »

From my experience with 123.ie all the staff are totally incompetent, each one tells you a different thing... don't touch them is my advice

That and a €40 charge for ANY admin work on your account.. ridiculous.

Sc@recrow wrote: »

can't see why anyone would use 123.ie... nononsense.ie are miles cheaper.
I'm up for renewal on my car in November and was pricing around..
€880 on 123.ie (comp), €481 on nononsense.ie...easiest call I ever made

Not for me. Nononsense come in about 260 euro dearer once you add in all the benefits you automatically get with 123.