Might be slightly OT, but I switched from 123.ie two years ago when the premiums began to creep up and they sent me a renewal notice with the reg no of a car I had sold!
There is a strange phenomenon in the insurance market at the moment whereby insurers sell differently underwritten products through different brokers.
Brokers may appear to "compete" for your business from an insurer, the reality is they operate with different T&C's, exclusions, add-ins and deductibles.
As an example, my quotes with 11 years NCB, comprehensive cover, for my next renewal, from the same insurer are :
Broker A - €286 incl. windscreen cover, Step-back bonus protection
Broker B - €328 excl. windscreen cover, Full Bonus Protection
(reduced to €300 incl. windscreen cover & Full Bonus Protection when I gave them the quote from Broker A above.)
Broker C - €356 incl. windscreen cover, Full Bonus Protection
My current direct insurer was €615 for the same cover.
One major issue, when completing a proposal form, not all of the T&C's will be listed. Most insurers / brokers won't give you these until after the proposal is accepted and your premium is paid (one exception is Quinn Direct who sent me the Booklet with the proposal form).
Some brokers / insurers won't send out proposal forms and one insurer when they heard I'd had quotes from some of their brokers, refused me a quote (appropriate action taken by me).
IME, other insurance products have the same problems from a consumer's perspective, in that the brokers or companies won't allow a situation where we can compare "like-for-like".