How come? When you apply online the cover starts from the date specified and you just have to pay them to make sure that this happens.They delayed our mortgage by 2 weeks
Really? Why could you not simply have gone to another insurer and taken cover immediately? Why did you persist with them if you were having problems arranging the cover?and thankfully the vendor didn't mind waiting otherwise we could of lost the house due to them.
I would always check the web for quotes from my insurance companies at renewal time.
Interestingly enough, I got a great quote for home insurance through 123.ie for AXA, but when I went to AXA with the quote, they told me that 123.ie do not use that actual AXA and that certain things may not be all that they seem. I was frightened off by that statement and went elsewhere!
123.ie don't use AXA Ireland, but AXA UK. Unfortunately you were misinformed. Despite what you may have been previously advised, all of our administration, including claims, is handled in Dublin.
Clubman - Dropped you a PM.
Yes - but my substantive point was that for the same (actually slightly higher) level of cover on the same terms I was able to get a cheaper quote by going online as if I was a new customer compared to the renewal premium quoted to me in the letter from 123. The difference was about €15 (c. 6% discount on the renewal premium) which is, perhaps coincidentally or perhaps not, the same as the additional "broker fee" charge which was added to the renewal premium and which was not explicitly mentioned when I originally took out the policy last. Some people might consider this slightly sharp practice. At the very least I consider it something worth warning others about. On the other hand perhaps you or Clare have a reasonable explanation? At the moment I have two letters -one with the renewal premium of €237.14 (including €15 broker fee) and one with a new business premium (for slightly higher contents cover) for €222.57 - a difference of €14.57. Obviously it's a no brainer which one I will choose if I do renew with 123.ClubMan mentioned that his cover and premium had increased at renewal. It is market practice to increase sums insured at renewal to provide some degree of index linking. Rebuilding costs have increased in excess of inflation in recent years and it's important for you to have adequate levels of cover. Having said that, it's your policy, if you don't feel the need to increase cover, you don't have to.
Cheap price CAN sometimes mean cheapness in service in my experience with 123.ie
BUYER BEWARE, but I hope if you go with them they serve you better than I.
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