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Cancel 123.IE
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Cancellation service #1 in India
4.9Average rating from reviews
I hereby notify you of my decision to terminate the contract relating to the 123.Ie service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.
Cancellation 123.Ie: Easy Method
What is 123.Ie
Overview
123.Ie is an online insurance platform based in Ireland offering motor, home, landlord, health, life and related insurance products.
The service lets customers buy, manage and cancel policies online or by contacting customer support by phone or email.
Who this guide is for
This guide explains how to cancel 123.Ie policies from India, summarising cooling-off rights, fees, contact points and next steps.
It is informational and based on the provider's stated cancellation practices and general Indian consumer rights.
How to cancel 123.Ie
General cancellation steps
- Identify the policy type (Car, Van, Home, Landlord, Health, Life, 123GO etc.).
- Prepare required documents (certificate of insurance, insurance disc if applicable).
- Contact the correct support phone number or email for your policy (see Documentation checklist and Address sections).
- Request a written cancellation confirmation and keep it; allow up to 7 working days for acknowledgement.
Policy-specific actions
- Car and Van: Return the Certificate of Insurance and insurance disc when cancelling; use phone or info@123.ie to notify.
- Young Drivers (123GO): Contact via phone to arrange cancellation and the return or removal of any installed black box.
- Health and Life: Contact the health or life contacts listed and ask for refund calculations and any mid-term charges.
What happens when you cancel
Access and cover
Cover ends from the cancellation date stated in the insurer's confirmation unless otherwise agreed.
If you cancel part-way through a period, cover may be charged only for days used or not refunded depending on product rules.
Renewals and data
Automatic renewals will stop after cancellation; keep proof of cancellation to avoid unwanted renewals or debits.
Your personal data remains subject to the insurer's privacy policy; request retention or deletion details from customer support.
Will I get a refund?
Cooling-off refunds
Most products have a 14-day cooling-off period with refunds if no claim is made; Life Insurance has a 30-day free-look period.
Within the cooling-off window, refunds are typically full if no claim has been made, subject to specific product rules.
After cooling-off - common exceptions
- Car/Van: Charged only for days covered; full refund if no claim. A €55 cancellation fee plus cover costs applies after cooling-off. Direct debit service charges are non-refundable.
- Home/Landlord: Full refund within 14 days if no claim. After cooling-off, a €25 fee plus cover costs applies.
- 123GO (Young Drivers): Full refund within 14 days if no claim and black box not installed. After that, a €55 fee applies; extra removal charges if a black box was fitted.
- Health: Refunds within 14 days but outpatient/inpatient costs may be deducted if claims were paid. Mid-term cancellations incur a charge including a €25 admin fee and unpaid government levy.
- Life: 30-day free-look refund if no claim. After that, no refund for unused premium period.
- Travel: Full refund within 14 days if trip not started and no claim. After 14 days, typically no refund; trip cancellation refunds only apply for covered unforeseen events.
If you do not receive written confirmation of cancellation within 7 working days, contact the relevant support phone/email again.
123.Ie plans and pricing
Pricing availability
No definitive, publicly verified price list is available in the source data for each product and variant.
For accurate premiums and fees specific to your circumstances, contact 123.Ie directly as pricing depends on cover, risk and personal details.
How to get a quote
Request a personalised quote by phone or email; confirm any mid-term cancellation fees before proceeding.
Ask for written confirmation of any fees or refundable amounts when you cancel.
| Product | Pricing |
|---|---|
| Car Insurance | Contact for pricing |
| Van Insurance | Contact for pricing |
| Home Insurance | Contact for pricing |
| Landlord Insurance | Contact for pricing |
| Health Insurance | Contact for pricing |
| Life Insurance | Contact for pricing |
| 123GO (Young Drivers) | Contact for pricing |
Your consumer rights in India
Free-look and cooling-off
Under IRDAI rules in India, life and health policies have a 30-day free-look period allowing cancellation for a full refund with risk premium deducted.
For most online purchases there is a 14 - 30 day cooling-off window; these principles can support your expectation of refunds for change of mind in many cases.
Legal remedies and escalation
- The Consumer Protection Act, 2019 supports refunds or remedies for defective, misleading or misrepresented services.
- If the insurer does not resolve your complaint, you can escalate to national or state consumer commissions; India offers the e-Daakhil portal for online filings.
Customer experiences
Positive feedback
- Many customers praise friendly, human-centric customer service and easy contact with real staff.
- Users report a simple, clear website and convenient renewal processes; pricing can be competitive especially for new quotes and bundled products.
Negative feedback
- Complaints include sharp renewal price increases even for long-term, no-claims customers.
- Some customers report slow processing or communication during vehicle replacements; one user described cancellation processes as cumbersome.
Documentation checklist
Essential documents to prepare
- Policy number and policyholder name.
- Certificate of Insurance and insurance disc (for car/van policies) - to be returned when cancelling.
- Proof of identity and contact details to confirm cancellation instruction.
Supporting documents and confirmations
- Copies of any claims made during the policy period (may affect refund amounts).
- Keep written cancellation confirmation and any refund calculation from the insurer.
- Record of direct debit or payment history if you expect a refund or have service charges.
Common mistakes
Delaying notification
Waiting to notify the insurer can lead to extra cover-days being charged or missed cooling-off deadlines.
Always initiate cancellation as soon as you decide and request written confirmation to set the effective date.
Not returning required items
Failing to return certificates, discs or black boxes can incur removal or administrative fees and delay refunds.
Confirm the required physical returns for your policy type before expecting a full refund.
Comparative recap
Quick comparison by product
| Product | Cooling-off | Typical cancellation fee | Refund basics |
|---|---|---|---|
| Car Insurance | 14 days | €55 after cooling-off; days covered charged | Full refund within cooling-off if no claim; charged for days covered after |
| Van Insurance | 14 days | €55 after cooling-off | Full refund within cooling-off if no claim; charged for days covered after |
| Home Insurance | 14 days | €25 after cooling-off | Full refund within cooling-off if no claim; fee + cover costs after |
| Landlord Insurance | 14 days | €25 after cooling-off | Full refund within cooling-off if no claim; fee + cover costs after |
| 123GO (Young Drivers) | 14 days | €55; extra removal fee if black box fitted | Full refund if no claim and black box not installed; fees apply otherwise |
| Health Insurance | 14 days | Mid-term charge incl. €25 admin + unpaid levy | Refund within cooling-off; deductions for paid outpatient/inpatient costs if claims made |
| Life Insurance | 30 days | No refund for unused period after cooling-off | Full refund within 30 days if no claim; no refund for unused premium period after |
How to use this table
Use the comparative table to prioritise quick action (e.g., return discs/black boxes) and to check likely fees before cancelling.
Always request a written refund breakdown from the insurer to confirm the final amount.
After cancelling
What to expect next
Expect a written cancellation confirmation and a refund calculation when applicable; allow up to 7 working days for acknowledgement.
If you had direct debit payments, check bank statements for any service charge non-refunds and follow up if amounts differ from the insurer's statement.
Further steps and escalation
- If unhappy with the outcome, raise the matter with the insurer's complaints procedure and keep records of all correspondence.
- For unresolved disputes in India, consider consumer complaint options under the Consumer Protection Act, 2019 and online filing (e.g., e-Daakhil).
Address
Postal address for cancellations
Intact House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16, D16FC92, Ireland
Send any required physical items (certificates, discs) by recorded delivery and retain tracking details.
Primary contact points (use for email/phone)
- General policies (Car, Home, Landlord, Van, 123.Ie info): Phone: 01 524 6029 - Email: info@123.ie
- Van-specific phone: 01 241 8585 - Email: info@123.ie
- Health: Phone: 01 518 1400 - Email: health@123.ie
- Life: Phone: 01 704 1010 - Email: customerservice@irishlife.ie