Cancellation 123.Ie: Easy Method

What is 123.Ie

Overview

123.ie is an Irish insurance provider and comparison service that sells a range of consumer insurance products directly online.

Products typically include car, home, van, travel and health insurance, sold through the 123.ie website and partner channels.

How they operate

Policies are purchased online or by phone and are administered by 123.ie customer care and the relevant insurers.

Cancellation and refund processes follow Irish consumer rules and the terms set by 123.ie and the insurer for each product.

How to cancel 123.Ie

Direct cancellation (web / phone)

• Car, Home, Van, Health: If within 14‑day cooling‑off starting on policy start date, contact Customer Care by phone at 01 524 6029 or email [email protected].
• Return your Certificate of Insurance (and car disc for car insurance) as instructed by Customer Care to complete the cancellation during the cooling‑off period.

Travel and app purchases

• Travel: 14‑day cooling‑off starts from purchase or receipt of policy documents (whichever is later). Cancel in writing via the Travel team by phone 01 241 8549 or email [email protected] for a refund if conditions are met.
• App purchases: Subscriptions or purchases made through Apple App Store or Google Play must be cancelled and refunded via those platforms. 123.ie cannot process app‑store refunds. See official app‑store help for the refund process: App purchase refunds.

What happens when you cancel

Access and cover

When a cancellation is accepted, insurance cover ends from the agreed cancellation date or date of receipt if within the cooling‑off period.

If you cancel after cover has started, you are only covered for the days the policy was active up to cancellation.

Policy records and renewals

Your policy record will be updated and you should receive confirmation of cancellation and any refund due in writing or by email.

If you cancel before renewal, your policy will not auto‑renew; keep confirmation to avoid unexpected renewals.

Will I get a refund?

Cooling‑off refunds (statutory)

Under Irish consumer rules, there is generally a 14‑day statutory right to withdraw for online or distance insurance contracts.

If you cancel within cooling‑off you should get a refund minus any charge for days of cover provided. Insurers must refund the balance.

123.ie refund practice and exceptions

• Within 14 days: Travel policies usually receive a full refund if the trip has not started and no claim has been made; other lines are typically pro‑rata refunded for days of cover.
• After cooling‑off: Standard cancellations may incur administrative fees (examples reported include ~€55 for car/van and ~€25 for home) and refunds are subject to policy terms.

123.Ie plans and pricing

Where to check prices

Exact plan details, discounts and current pricing change frequently and vary by product and personal factors.

Always check the official 123.ie website for up‑to‑date pricing, product features and special offers before cancelling or switching.

How pricing affects cancellation

Refund amounts and administrative fees depend on the specific product, insurer and timing of cancellation relative to the policy period.

Review your policy documents and the insurer’s terms to understand deductions and any fees applied on cancellation.

Your consumer rights in Singapore

General guidance

If you are in Singapore, local consumer protection rules differ from Irish law and there is no automatic transfer of Irish cooling‑off rights.

Before cancelling, confirm whether your policy terms apply cross‑border or whether Singapore regulators or local law affect cancellations and refunds.

Practical steps for Singapore customers

Contact 123.ie customer care to confirm the applicable cancellation rules for your specific policy and residency status.

If needed, check local regulators and consumer advisory bodies in Singapore for guidance on insurance disputes and cross‑border consumer rights.

Customer experiences

Positive feedback

• Many customers praise fast, human customer service and a user‑friendly website for quotes, renewals and switching policies.
• Customers often note competitive pricing on new quotes and occasional perks such as small vouchers or offers.

Negative feedback

• Some customers report higher renewal prices compared with initial quotes and difficulty matching competitor offers at renewal.
• Other complaints include delays resolving issues and occasional frustration with perceived punitive refunds or administrative handling on cancellations.

Documentation checklist

Before you call or write

• Policy number, full name of policyholder and contact details.
• Start date of the policy, purchase date, and any confirmation emails or policy documents.

What to include in written cancellations

• Clear statement of intent to cancel, desired cancellation date, and reason (optional).
• Attach or offer to return Certificate of Insurance and car disc if applicable.

Common mistakes

Delaying contact

Waiting too long to contact Customer Care can move you outside the cooling‑off period and convert a full refund into a pro‑rata refund minus fees.

Act promptly if you are within the 14‑day window to preserve your statutory rights where applicable.

Using the wrong channel

Attempting to get an app purchase refunded via 123.ie instead of Apple/Google can delay the refund; use the app store process for those purchases.

Also ensure travel cancellations are sent to the Travel team in writing as required to qualify for the travel refund conditions.

Comparative recap

Summary table

Key takeaways

Use the appropriate channel for your product type and act quickly if you are within the 14‑day cooling‑off window.

Keep written confirmation of any cancellation and refund agreement for your records.

After cancelling

What to check

Confirm you have written cancellation confirmation and monitor bank statements for any refund due from 123.ie or the insurer.

Keep copies of all communications and returned certificates or discs until the refund process is complete.

Helpful links

• 123.ie cooling‑off and cancellation details: 123.ie cooling‑off policy
• Consumer rules and obligations (123.ie blog on the Consumer Insurance Contracts Act): Consumer Insurance Contracts Act guidance
• App purchase refunds information: App purchase refunds
• Sample cancellation letters and guidance: Cancellation letter examples

Address

Postal address for written cancellations

123.ie

Intact House, Dundrum Town Centre, Sandyford Road, Dundrum, Dublin 16, D16 FC92, Ireland

Notes on postal submissions

If you send a written cancellation by post, include policy number, full contact details and a clear cancellation statement.

Use tracked postage where possible and retain proof of posting until you receive confirmation of cancellation and any refund.