123.ie Reviews 

Great service. Always available for queries.

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 temporary disc. In 25 years of driving i have never before driven without an Insurance disk. 123 ie Email me weekly to extend my cover. Update 22.03 2026 I requested a call back back from 123.ie via their email provided. The message was not sent . I will now proceed to lodge a formal complaint to the Insurance Ombudsmans office tomorrow Monday. Absolutely disgraceful behaviour by 123 ie. They are not fit for purpose and should be shut down.

Pleasant and efficient and clearly understood

Very easy to deal with, also bonus I got a free coffee code for my birthday 😊

Not cheap. Too expensive

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.

Good for dropping prices 👍👍👍👍🇮🇪

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 attend college during the week and I work every second weekend so they don’t get any extended driving time and I question the cost

Everything explained well.Given full details on policy.Nice staff to deal with. Cheaper quote elsewhere but will try again next year.

No problems only that it's not that easy to transfer the insurance to another car for a day or two and then transfer it back

Lovely loyalty experience with coffee and a treat with Costa Coffee and 123

Great staff to help us

My partner and I went with this insurance company. I had been with them for years. He had also used them for other insurance reasons as well. You think excellent, loyal customers but they clearly don't care about people. Last year we had a medical emergency abroad. It was very scary. Rushed to A&E in another country, and we are supposed to be enjoying ourselves on holiday. The excruciating pain and fear we do not want to experience ever again. If we hadn't of been seen to when we were, it would have been life threatening. Our holiday was cut short, due to these complications. We had to rearrange things at our own expense. So when we got home we thought our insurance would come to the rescue, as we have never claimed €1 from them. After paying for doctors reports, hours of collating receipts, filling out forms and waiting weeks; they used a loop hole in their lovely policy to get out of paying up. Absolute and utter crooks! No one orchestrates a life and death situation just to get a few euros. Avoid and stay away. They don't care. They make sure their long policy covers them not to pay at every turn. We have both cancelled our policies.

The lady I was speaking to couldn’t have been more helpful and very pleasant to speak to. 10/10

Easy to deal with ,good prices ,efficient service

Hi dear all ,
My name is charif mecharbet, i had a policy number with 123 ireland , i pied 311 euro deposit , with my revolut bank ,
One day I received that my policy is cancelled before one day ( 12 hours after that I received that cancellation email . ) if garda catch me without insurance car , who pay that .
I had three policy numbers before that , this company 123 have my bank details, have my profile.
Till now I didn't receive my money back .
Be careful with this company.
U will have problems .
And I already send my bank details not one time a lot of times .
Easy to take money from bank account and not easy to send it to me back to same account .
Bad management, and don't tell me email me , i already call and send a lot of email.

Service of staff on the phone is excellent, painless and convenient

They gave me a really good offer on my car insurance

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 birthday. I got a free coffee for my birthday. Its not much but the gesture is nice and appreciated. The only insurer making this. Well done!