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 [email protected] 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.

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

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: [email protected]
• Van-specific phone: 01 241 8585 - Email: [email protected]
• Health: Phone: 01 518 1400 - Email: [email protected]
• Life: Phone: 01 704 1010 - Email: [email protected]