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123.ie Reviews 

2,215
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 512 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the friendly, professional staff members who make updating policies, switching cars, and handling everyday inquiries exceptionally easy, quick, and stress-free. Many individuals also highlight the competitive pricing structure and appreciate how simple it is to navigate the website for securing great insurance quotes. However, some customers also noted significant frustration regarding unexpected and steep price increases when their annual policies came up for renewal. A few people additionally experienced frustrating communication delays, mentioning difficulties receiving prompt callbacks or timely updates from support representatives when needed.

What people talk about most

Price

People report ambiguous experiences with price, reflecting a wide split in customer satisfaction. Many... See more

Service

Customers consistently note positive experiences with service, highlighting professional, helpful, and... See more

Staff

Clients share positive opinions on staff, noting that representatives are consistently friendly, courteous,... See more

Customer service

Users describe positive interactions with customer service, highlighting quick information, helpful... See more

Website

Reviewers highlight positive aspects of website, describing the online system as straightforward, easy to... See more

Reviews shaping this summary

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

Company replied

Rated 5 out of 5 stars

I have had to call 123.ie Insurance after making a mistake renewing my elderly Fathers Insurance online. I got speaking to an agent, his name was either Dean or Dane(sorry I didn't catch it). All I ca... See more

Company replied

Rated 5 out of 5 stars

To be honest it's nice to talk to a human,not a computer generated voice.The people I spoke to on 123.ie were very courteous, polite and professional. It was much appreciated and I would definitely co... See more

Company replied

Rated 5 out of 5 stars

Great price, easy and quick setup of the first policy, staff very friendly and helpful in changing policy details when I upgraded my car (I even got a refund from the original policy) Sincerely recom... See 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.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

2K reviews

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4.4

All reviews

(2,215)

472 reviews in the last 12 months

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Rated 4 out of 5 stars

Great insurer, confusing voucher expiry

I’ve been a customer for many years and, overall, they are genuinely an excellent insurer. My experience with them has been consistently positive, which is why this review is only about one recent issue that was a little frustrating — and the reason for deducting a single star.

As part of a birthday promotion, I received a voucher for a free coffee in the form of a QR code. The email included an option to download the voucher as an image, which I did. The downloaded image clearly stated: “Valid until 14th of April”.

In the first week of April, I tried to redeem it, but it was declined at the till. The assistant asked to see the original email, and only then did I notice a small-print note saying that the voucher was actually valid only until March 31st. Unsurprisingly, the system rejected it.

It’s hardly a major problem — more of a minor annoyance than anything else — but having two different expiry dates on the same voucher setup is unnecessarily confusing and could definitely be handled better.

18 March 2026
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Reply from 123.ie

Hi Piotr, thank you for taking the time to provide your feedback. I am sorry to hear you had issues with using your coffee voucher. Can you pop us an email to Info@123.ie with your details, I will look in to this and get it sorted for you. -CB

Rated 5 out of 5 stars

Great company 123.ie from getting a…

Great company 123.ie from getting a quote to getting my Insurance at a great price no hassle would recommend highly 👌

23 May 2026
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Reply from 123.ie

Hi Tony, thank you for your feedback, we appreciate you taking the time to provide this. -CB

Rated 1 out of 5 stars

If I could give -1

If I could give -1 , I would. Policy canceled after 11 month with no alerts and after one speeding without giving a chance of any explanation from me. DO NOT take ANY policy with them.

7 May 2026
Unprompted review
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Reply from 123.ie

Morning Margarita, I am sorry to hear you are unhappy with your experience. We would never cancel a policy with no alerts, we always send a cancellation notice giving 10 days notice before any cancellation takes place. Would you mind popping us an email to info@123.ie with your details and I can look into this for you. -CB

Rated 5 out of 5 stars

Best value in town

Best value in town. Easy to deal with.
For me it was customer satisfaction.

19 May 2026
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Reply from 123.ie

Morning, thank you for taking the time to provide your feedback. -CB

Rated 5 out of 5 stars

Saved me over 26% on my insurance

Saved me over 26% on my insurance, with a lower excess!

Was quoted €530 for my car insurance renewal with another provider. I thought I'd try 123.ie and was expecting to pay the same if not more, and was shocked to see €390!

I was sure I put something in wrong when filling in my details but no, that's the price - highly recommend!

13 May 2026
Unprompted review
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Reply from 123.ie

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

Rated 2 out of 5 stars

Hello

Hello, I do not recommend this insurance company because I've had insurance with them for over three years and they can't explain why I can't change my car and address through the website they created. I am very dissatisfied; they charge me €91.00 just to change my address. I was very indignant about this rip-off because I think €10 would have been a fair price, since three sheets of paper they send to the address cost €91.00? That's ridiculous! 😜 And the customer service representative even had the audacity to ask if I wanted them to send the new disc to my address or if I could send it by email so I could print it myself. I complained to them about changing my address and car online, and they said they had resolved it, but I've logged in over 100 times and the same things always happens. They just see ice, that's all.

30 April 2026
Unprompted review
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Reply from 123.ie

Hi Brett, thank you for your feedback. As your address is a rating factor for your premium we do have to requote your policy based on the new address when this changes. This creates a change in risk as the area where the car is kept has changed. 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 5 out of 5 stars

Lost keys

Lost keys . broken windscreen , nothing a problem and all dealt with very efficiently.very helpful

8 May 2026
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Reply from 123.ie

Great to hear this feedback. Thank you for taking the time to provide this Eugene. -CB

Rated 5 out of 5 stars

You have the best prices and customer focused

You have the best prices, well organised business with great customer service. I was surprised on my birthday with coffee voucher you sent to me.
Well done to you lads and keep it up.

9 May 2026
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Reply from 123.ie

Thank you for your feedback Gabriel, we are delighted to hear you enjoyed your birthday treat. -CB

Rated 5 out of 5 stars

They professional

They professional, very good priced, very easy to deal with when you need them. Resolving problems in no time, I would definitely recommend this company to anyone who in search for car insurance!!!

9 May 2026
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Reply from 123.ie

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

Rated 5 out of 5 stars

Amazing staff price and service been…

Amazing staff price and service been with them for 2 years and honestly have never had a problem I pay my fee and that’s it even switched cars and still no problems and was so easy to do

4 November 2025
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Reply from 123.ie

Hi Ava, thank you for your feedback. We are delighted to hear you are happy with our service. -CB

Rated 5 out of 5 stars

I’m Very Happy with the quote and cover…

I’m Very Happy with the quote and cover i got at a great price , fast and simple to do online, well worth getting, thanks

21 April 2026
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Reply from 123.ie

Hi Vinnie, thank you for taking the time to provide your feedback. We are delighted to hear this. -CB

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