I renewed with www.123.ie last year at a significant discount on my existing arrangement and with a policy that offers the level of cover that I need. Check the terms & conditions of any insurance policy to make sure that it suits your needs. Don't shop for insurance on price alone. Make sure to insure for the accurate [broken link removed] (not market value!) of the premises and for any contents level that you need.Cantona7 said:HAs anyone got experience of using online brokers? my renewal for home insurance comes in at €600 but there is an online company offering €410 for like cover. They say its underwritten by a UK LLoyds underwriter and is regulated in Ireland.
Well, they would wouldn't they? They have a vested interest in retaining your business.when i contacted my current insurers they said it was "impossible" to renew at this price level..
I'm not sure but there are significant price disparities between comparable insurance policies from different providers so don't assume that there's something dodgy when you get a good quote (once again with the caveat of reading the Ts&Cs to make sure that the policy is suitable). See IFSRA's home insurance [broken link removed] for example. And, yes - shop around as widely as possible. Your broker should be doing this for your but if they are restricted to a specific set of providers then they may not get you the best deal.Cantona7 said:How can they undercut so much! surely its not just about commissions..or is it.
I got a good quote from 123.ie underwritten by the Wellington Syndicate at Lloyds. 123.ie was the only quote to beat FBD but did so by more than 25%. I was concerned about switching, as I like that I can walk into an FBD office if I have an issue. I emailed IFSRA who told me that '123.ie are authorised by the Financial Regulator' and 'Wellington Syndicate 2020 is not regulated by the Financial Regulator'. Ultimately I'm sticking with FBD as I think I'll be able to sleep easier at night.Cantona7 said:They say its underwritten by a UK LLoyds underwriter and is regulated in Ireland.
ClubMan said:You should not take the word of the AXA bloke on this matter. You need to read the terms & conditions of the policy documents yourself to make sure that there are no major differences in the cover offered by the individual brokers/underwriters.
lynchtp said:The AXA quote from 123.ie is for AXA uk, whereas the other AXA quote is form AXA Ireland.
AFAIK
Grizzly said:How can 123 sell me this insurance at €290?
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