123.ie Reviews 2,082

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their helpfulness, efficiency, and friendly demeanor, making interactions pleasant. Many people highlight the exceptional customer service, noting quick responses and a clear, concise approach to explaining policy details. The user experience is frequently described as easy, quick, and straightforward, particularly for online renewals and managing documents. However, some people were dissatisfied with the pricing, finding renewal quotes to be significantly higher than previous years or competitor offers. A few other people also felt that the company's communication regarding policy changes or issues with external partners could be improved.

What people talk about most

Price

Customers had ambiguous experiences with price. Many reviewers expressed dissatisfaction with renewal prices,... See more

Service

Clients share positive opinions on service, often highlighting helpful staff, efficient processes, and prompt... See more

Staff

Reviewers mention positive feedback about staff. Customers consistently praise the staff for being helpful,... See more

Customer service

Consumers generally express satisfaction with customer service. Many reviewers highlight the helpfulness and... See more

User experience

Users describe positive interactions with the user experience. Many customers found the process easy, quick,... See more

Based on these reviews

Rated 4 out of 5 stars

In fairness they put my two daughters on the policy who are learner drivers without a load of paperwork. It is expensive though and they only get to practice on weekends if they aren’t working as they... See more

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Rated 4 out of 5 stars

I have house insurance and 2x cars insured with 123.ie I am very happy with the service they provide. The staff are always very helpful friendly and efficient I've been with them for nearly 10y... See more

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Rated 4 out of 5 stars

Very efficient and helpful staff. Probably the best around. One less star only because of ever increasing premiums across the board.

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Rated 5 out of 5 stars

I was a loyal customer with 123.ie in the past and always found their team incredibly helpful, friendly, and the customer service exceptional. Two years ago, I made the switch to AIG purely for fina... See more

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Rated 5 out of 5 stars

Excellent service. I was having difficulty with renewing online. My internet was not working properly. When I phoned up I got through straight away. The lady on the phone could not have been more help... See more

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Rated 5 out of 5 stars

This is my second time round with 123.ie - they are very competitively priced and it couldn't be easier to renew online - Everything is laid out in a clear concise manner and takes minutes to complet... See more

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Rated 5 out of 5 stars

Great company for affordable insurance. Previously used a broker who was obviously tied to one company. Halved my Insurance when I went to 123.ie. 123.ie has a very simple process for buying great q... See more

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Rated 5 out of 5 stars

Excellent customer service over the phone and by email. Missed a couple of discounts which I wasn't aware of and they applied them. Renewal price was the best value available and my documents arrived... See more

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Rated 5 out of 5 stars

Spoke to a lovely young lady who took all my details and explained the insurance cover clearly to me. It was all very easy. Really surprised at the price. I had previously been offered similar cover a... See more

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Rated 2 out of 5 stars

They were good without any issues, however when we did not go with the quoted renewal due to a cheaper quote with another provider, 123.ie decided to write to our mortgage provider that we have b... See more

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Rated 5 out of 5 stars

I got a very good deal on comprehensive car insurance they made it simple for me to upload the documents required. The staff are friendly if you want to ring them and you will not be waiting long for... See more

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Rated 5 out of 5 stars

I’ve been with 123 now since February and had no issues at all hopefully my renewal will come in at a very good price as when I got my car insurance.It was a lovely surprise to receive an email with a... See more

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Rated 5 out of 5 stars

Easy to deal with when you get the right person ie English spoken.Not being mean but it is hard to understand some people,they know their job but I find it hard to understand them sorry.

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Rated 5 out of 5 stars

Everything was explained clearly all details on policy were transparent.A nice touch recently was the free coffee provided on my birthday for Costa coffee which I availed of.

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Rated 5 out of 5 stars

I am their customer for a very long time and I am not planning to leave. I am happy with everything. Customer service, ease of making changes to the policy, quotes. They don’t forget about your birthd... See more

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Rated 5 out of 5 stars

Very impressed with their communication levels. I have also found their staff extremely courteous & helpful. What was really fantastic about them was their unbelievable recognition of my birthday with... See more

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Rated 5 out of 5 stars

What make a company to prosper is when listen to the customers and making them happy for the services provided. Up to now, we are satisfied for what we have been provided. Keep it up and be always in... See more

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Rated 5 out of 5 stars

Great to deal with. Great website where most topics can be dealt with directly. Customer support is very responsive. Would recommend to friends and family.

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Rated 5 out of 5 stars

Brilliant experience and every year too. Only problem is 123 Rescue changed and they now use AA which is abominable. 3 hours id to wait once.

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Rated 5 out of 5 stars

I was shocked at the increase in car insurance for both my car and my wife’s car through the broker firm I have used for years, so I decided to check a number of other providers on line. 123.ie was by... See more

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Rated 5 out of 5 stars

I Found the online questionair simple,and to the point. the responce for a quote, fast,and the cheapest, and you get more benifits listed into your policy at no extra cost.

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Rated 5 out of 5 stars

I have insured my car with 123 for the past three years and hope to stay with them next year. Very competitive prices and their customer care (if you ever need them) are extremely helpful. I hope to g... See more

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Rated 5 out of 5 stars

Quick call response times. I get a person. Very supportive and understanding. Great policies with relation to documentation verification times. Great value and I was not anticipating the birthday surp... See more

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Rated 5 out of 5 stars

Have been using 123 for the last 3 years and always really helpful on phone when renewing. Never any problems thank you

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Rated 1 out of 5 stars

Long time customer moving home. Took out a new policy and the details did not match what the lender wanted. 123 refused to remove one word from the policy details resulting in a refusal by the lender... See more

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Rated 5 out of 5 stars

Just how helpful everyone was when I had to get my car fixed everything went very smoothly and it was a good experience Anytime I have a query again staff very helpful

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Rated 5 out of 5 stars

Quick and easy renewal process and in fairness, they don't just randomly increase the price. Not by much anyway! I didn't feel the need to shop around.

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Rated 5 out of 5 stars

I have being with many insurance companies and finding 123.ie the best for quotes much cheaper than other.. service is absolutely outstanding as they say behind every great company there... See more

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Rated 1 out of 5 stars

Very disappointing renewal quote, was €215 more expensive so went with Aviva for the exact same cover and add-ons. Rang 123 and all they could offer was a €20 discount still €200 difference in price.... See more

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Rated 5 out of 5 stars

Lost the fob for my car and was stuck 123 had it all sorted in 48 hours excellent customer service. Wouldn’t use anyone else.

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Rated 5 out of 5 stars

It's very easy to get an insurance policy even a child can cope with them and I recommend quite reasonable prices!

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Rated 5 out of 5 stars

I was changing my insurance from one car to another and it was done without any hassle and the people in 123 I spoke to were very helpful and efficient

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Rated 5 out of 5 stars

From the first time I went onto the 123.ie site I have found it very quick and easy to use. Have been in touch to change my insurance to a different car and found the lady on the phone to be very frie... See more

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Rated 5 out of 5 stars

Great company to deal with. Everything about 123 is professional and phone contact was pleasant and helpful. ⭐️⭐️⭐️⭐️⭐️

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Rated 5 out of 5 stars

Clear and efficient staff - response to any queries dealt with swiftly. Staff very friendly which makes a difference.

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Rated 5 out of 5 stars

Hi when I phoned for a quote for car insurance there was no nonsense quick answer 100 percent

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Rated 5 out of 5 stars

I had a great experience with 123.ie. They are friendly, kind and professional. They act efficiently and with care.

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Rated 5 out of 5 stars

parking the whole issue with pricing , found 123 to be easy and helpfull, both phone and web based customer service is excellent

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Rated 4 out of 5 stars

The whole process was seamless and staff very helpful and polite. Dropped a star due to how expensive it is as I would consider myself low risk.

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Rated 1 out of 5 stars

My husband had his car insurance with 123.ie last year. It is due for renewal in early February 2026. The renewal came in at €806 for a one off payment, that is €231 more than last year and a 40.2%... See more

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Rated 5 out of 5 stars

With 123 a long time find them very good staff very helpful and good to answer any questions about your policy

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Rated 2 out of 5 stars

I have just signed up for insurance first time deiving at 45 they gave ma a reasonably competive quote. It involves instalation of a telemetry box. Which i have no problem with. However t he clownc... See more

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Rated 5 out of 5 stars

Great company and also the cheapest . Very simple to work with them and they are very reliable, always making sure to help if you have the need

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Rated 1 out of 5 stars

Just got my car insurance renewal quote and think 123.ie are having a laugh. I know insurance goes up year on year but after being a loyal customer with 9+ years no claims an increase of over 225 eur... See more

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Rated 1 out of 5 stars

When yuo cancel they panish you! My wife had a car insurance. When you make the insurance it takes a few minutes, they are fast indeed. They take your money fast. She had to cancel the insuran... See more

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Rated 5 out of 5 stars

Very competitively Priced and easy to deal with.I would definitely recommend 123.ie.

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Rated 5 out of 5 stars

Nice staff to deal with. They matched a quote I had received from another company which is a good sign that they don't want to lose their present customers.

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Rated 5 out of 5 stars

Super car insurance policy, with everything I want, for a fantastic price.

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Rated 1 out of 5 stars

I purchased a new vehicle on the 20/01/26. I switched my insurance from my previous policy to the new vehicle. 9 weeks later I still have not received my insurance disc. I haven't even been issued a t... See more

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Rated 1 out of 5 stars

I was renewing my policy with 123. I wanted unlimited mileage this year. I was given a quote by two other insurance companies for unlimited mileage for 620 & 640 euro. I emailed 123 stat... See more

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Rated 5 out of 5 stars

Great prices Great customer care and easy website to navigate ask for no more

Company replied


Company details

  1. Insurance Company
  2. Auto Insurance Agency
  3. Health Insurance Agency
  4. Home Insurance Agency
  5. Personal Insurance Company
  6. Travel Insurance Company

Written by the company

123.ie launched in 2002 as the first company in Ireland offering insurance online. We've grown to become a one-stop-shop for all your insurance needs, offering Home, Car, New Driver, Travel, Health and Life Insurance cover. And, at 123.ie, we’re always trying for better - from improving our website, our products and services, trying to better our customer service, trying to better the insurance category! We don’t always get it right but that doesn’t stop us from striving for better. Customers love our offer of up to 20% off new car insurance policies online but they also tell us they really like our friendly staff, the ease of buying online with us and how nice our Rewards program is too. So, go on, why not give better a try?


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

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Rated 1 out of 5 stars

Terrible!

First of all would like to outline no claims bonus, its only 6 years max. Doesn't matter if you never did claims 12 + years....
Second when something goes wrong its nearly impossible to reach out. Break down assistance...aprox 15 min on the phone and lady still didn't got my location? Is it a joke?! Treated it like casual car wouldn't start at the driveway and I can go home and chillax with cup of coffee while waiting on a tow truck while I did explained that it is EMERGENCY SITUATION AND IM STUCK ON THE FAST LANE OF THE MOTORWAY WITH A MINOR IN THE CAR! Cars engine shut on the speed on the fast lane blocking steering... I was lucky to avoid accident... The agent who was answering the break down assistance was the worst I ever had to deal. And luckily enough after aprox 15 min wasted on useless conversations when I have a bit calmed down from a shock I figured out that have to call local Garda for help. Garda was the only one who really helped and rescued us. Break down assistance rang me 3 hours later not even knowing my location and asking for directions. Is it a joke? Was it expected for me to stay in the car with minor for 3 hours on a busy motorway in fear that someone can crash in us?
Okay car was finally towed. Next few days I was trying to call insurance to find out what is my options because car's engine blew up. 20-30min on the phone waititing multiple times and no answer. Send email, its been a week no reply. Just shocking!!!

5 April 2026
Unprompted review
123.ie logo

Reply from 123.ie

Good morning, thank you for taking the time to provide your feedback. I am sorry to hear what happened, it sounds like a stressful situation. All insurance companies have a maximum discount offered for your no claims bonus, the majority of insurers have a maximum of 6 years, some also have 4 years. This means you are receiving the maximum discount available. If you would like to discuss these issues further, please pop us another email to Info@123.ie. We are currently responding to customers within 24 hours, I can then arrange a callback for you. --CB

Rated 2 out of 5 stars

One less satisfied customer!

I have been with 123.ie for a number of years. Renewal price of car insurance is too expensive and Ive changed company for 2026

17 August 2025
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Reply from 123.ie

Good morning, thank you for your feedback. I am sorry to hear we were not competitive for you this year. We are continuously working on our premiums internally, hopefully we can look after your cover again in the future. -CB

Rated 3 out of 5 stars

I was a client of your company for over…

I was a client of your company for over 10 years, and I appreciated the service during that time.However, in recent years I noticed consistent increases in my policy price despite having no claims. I contacted your team for clarification but did not receive a clear explanation, which was disappointing.This ultimately led me to explore other options, and I have since switched to another provider with more competitive pricing.That said, I would have preferred to stay with your company, and I hope you take this feedback into account especially in terms of pricing transparency and communication with long-term customers.

19 June 2025
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Reply from 123.ie

Morning Nikolay, thank you for taking the time to provide your feedback. We are continuously working internally to keep our premiums as low as possible. I am sorry to hear you were unhappy with this, I will be sure to pass it on. -CB

Rated 1 out of 5 stars

Buyer beware with 123

I was renewing my policy with 123. I wanted unlimited mileage this year. I was given a quote by two other insurance companies for unlimited mileage for 620 & 640 euro.

I emailed 123 stating I was given these two quotes for unlimited mileage. That I wouldn't be renewing with 123 unless I was offered a better deal with unlimited mileage.

They responded a few days later with a quote of 599 with no mention of a milage limit anywhere. Even before I purchased, I asked them for confirmation of no milage limit. They never responded.

I received an email from 123 this week regarding mileage consumption. I asked them why were they sending milage consumption emails when I had unlimited mileage. They responded that I still had a millage limit.

They basically hoodwinked me into the policy.

Buyer beware dealing with 123. I wont be renewing with them again after this nonsense. They're clearly a dodgy a crew.

4 April 2026
Unprompted review
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Reply from 123.ie

Hi Conor, thank you for taking the time to provide your feedback. All of our telematics policies are set up based on a certain amount of kilometers. You can increase this amount of kilometers at your renewal date or at any time during the policy. If you would like to discuss this further please pop us an email to Info@123.ie with your details, I can then arrange a callback for you. -CB

Rated 1 out of 5 stars

Dissatisfaction with Lack of Response and Progress

I am writing to express my dissatisfaction with the handling of my complaint regarding my motor insurance policy.
It has now been over four months since I first raised this issue, and unfortunately, it remains unresolved. During this time, I have repeatedly received standard acknowledgment messages stating that my complaint is being investigated and that I will be contacted. However, no meaningful follow-up or resolution has been provided.
Furthermore, my requests for evidence and clarification regarding the issue have been consistently ignored. I have not received any substantive response addressing my concerns.
This level of service is unacceptable

30 March 2026
123.ie logo

Reply from 123.ie

Hi Alexandr, thank you for your feedback. I am sorry to hear you are unhappy with how your complaint was dealt with. I can see we did issue a complaint response to you on 01/04/2026. If you would like me to arrange a callback to discuss this further please pop us an email to Info@123.ie, I can then arrange this for you. -CB

Rated 1 out of 5 stars

Waiting on insurance cert,rang them

Waiting on insurance cert,rang them
And still not available

11 July 2025
123.ie logo

Reply from 123.ie

Hi Trish, I am sorry to hear this. I have been unable to locate your policy using your email address. Can you pop us an email to Info@123.ie with your details and I can look in to this for you. -CB

Rated 1 out of 5 stars

Declined Quote for Van “Van does Not meet criteria required ??😡😳🧐

Declined For Commercial Van Insurance due to my Van being over 15 years old..
Van has current test and is in better condition than most 5 year old Vans ..
It may be more for the reason that the Van is a six seater Crewcab..🧐

31 March 2026
Unprompted review
123.ie logo

Reply from 123.ie

Hi John, thank you for taking the time to provide your feedback. I am sorry to hear we could not cover your vehicle. We do have an acceptance criteria that our underwriters have set and we are unable to cover anything outside of this. -CB

Rated 2 out of 5 stars

They were good until time of renewal

They were good without any issues, however when we did not go with the quoted renewal due to a cheaper quote with another provider, 123.ie decided to write to our mortgage provider that we have breached conditions of our mortgage due to no valid home insurance.

This is the first time experiencing this shallow conduct from any insurer all these years of owning a property.

Update: you must be the first to do that. You did not provide that information to us like others do. Too bad not sure if to consider 123.ie again even if cheaper.

30 September 2025
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Reply from 123.ie

Good morning, thank you for your feedback. If you have a lenders interest noted on your policy we do have to let them know if the policy lapses or is cancelled. This is to let them know that the cover is no longer active on the property they have a financial interest in. All you need to do is send them on the letter of indemnity for your new policy and they can then see the property is covered again. If you would like to discuss this further, pop us an email to Info@123.ie and I can arrange a callback for you. -CB

Rated 5 out of 5 stars

I had a great experience as young driver

I had a great experience with the customer service, and my policy suited me really well. I would definitely recommend 123go to all young drivers. Thanks again 🤩

17 February 2026
Unprompted review
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Reply from 123.ie

Morning, great to hear this. Thank you for taking the time to provide your feedback, we really appreciate this. -CB

Rated 5 out of 5 stars

I have being with many insurance …

I have being with many insurance companies and finding 123.ie the best for quotes much cheaper than other.. service is absolutely outstanding as they say behind every great company there is great staff .. outstanding

16 March 2026
123.ie logo

Reply from 123.ie

Good morning, thank you for your feedback. We are delighted to hear this. -CB

Rated 5 out of 5 stars

Nice staff to deal with

Nice staff to deal with. They matched a quote I had received from another company which is a good sign that they don't want to lose their present customers.

1 June 2025
123.ie logo

Reply from 123.ie

Hi Kathleen, thank you for your feedback. We are delighted to hear this. -CB

Rated 4 out of 5 stars

Car insurers

123.ie are one of the top insurers for cars in ireland .consistently giving good value year after year .highly recommend them

1 November 2025
123.ie logo

Reply from 123.ie

Great to hear this Jimmy, thank you. -CB

Rated 5 out of 5 stars

Thank you so much for the birthday but…

Thank you so much for the birthday treat of a free Costa Coffee. However I have tried to redeem your voucher in 2 Costa outlets which are also mentioned on your list but the QR code won’t work.

24 March 2026
123.ie logo

Reply from 123.ie

Hi Cathy, thank you for taking the time to provide your feedback. I can see my colleague Jessica has referred this to our marketing team. Once this is investigated we will be in touch and can get this sorted for you. -CB

Rated 5 out of 5 stars

Top Marks

Everything was explained clearly all details on policy were transparent.A nice touch recently was the free coffee provided on my birthday for Costa coffee which I availed of.

23 March 2026
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Reply from 123.ie

Great to hear this David, thank you for your feedback. Glad to hear you enjoyed your birthday treat. -CB

Rated 5 out of 5 stars

My experience has been mostly positive

My experience has been mostly positive. Getting a quote was straightforward, and the pricing felt competitive compared to others I checked.

23 March 2026
123.ie logo

Reply from 123.ie

Hi Kashef, thank you for your feedback. We are delighted to hear this. -CB

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