 | Home > Finance & Insurance > Brokers, Insurance Companies and Me |
 
|
|
|
| stigomery Member Since: 10 May 2016 Location: Cambridge Posts: 277   
|
OK - so I'm on the market for new insurance.
I've contacted the usual suspects, A-Plan, Heritage, NFU and the former 2 come in at around the 300 quid mark, NFU comes in closer to 450... With both the 2 former brokers they have suggested insurance companies that have, well, quite frankly the worst and most damning reviews I've ever read online. So what gives... is my contract with the broker and my claim with the broker should a claim arise or is that irrelevant because the insurer will always have the controlling hand? Here's an example of one of the insurance companies being suggested: https://uk.trustpilot.com/review/www.markerstudy.com So should I pay the extra 150 quid to go with a trusted insurer or is NFU just another broker with questionable insurers on their books? Or, are Heritage/A-Plan/the other brokers out there to fight my side the in the event that I need to make a claim as it is their reputation at stake, not the actual insurer? ***update - just read the reviews on NFU and they are hardly glowing either*** #confused.com |
||
8th May 2017 10:01am |
|
| AMBxx Member Since: 24 Jul 2016 Location: York Posts: 1033 
|
Went through the same this morning for my wife's BMW. Been insured with Geoffrey for 5 years, but bit of a jump in the renewal premium.
Thought I had it all worked out with Hastings Direct (UK call centre etc). Then I checked the terms on the insurance - if the car is parked near home, but not in the garage, it's not insured for theft or damage. Normally the term is that it's 'usually' garaged, but never seen something so restrictive before. She leaves the car outside the garage about once a month. Then a constant 3 weeks if we're hatching chickens. Narrow escape, so back to Geoffrey. Back to your original post - they're all a bit crap. It's just a case of picking the one that's crap in a way that doesn't bother you. Geoffrey are expensive, Direct Line are awful, Aviva have overseas call centres, Hastings won't pay out a claim. |
||
|
9th May 2017 9:46am |
|
| Tiger Member Since: 06 Jul 2012 Location: Wales Posts: 2265 
|
I insured with A-Plan for 12 Months who put the policy to Markerstudy.
A friend who works in insurance (Truck fleets) told me in no uncertain terms to get a different policy or hope that I never need to claim. Now insured with LV |
||
|
9th May 2017 10:50am |
|
| Fabio Member Since: 05 Aug 2011 Location: Somerset Posts: 589  
|
I have just renewed with churchil 204£ for the year.
I am of the opinion that if i have to claim ill be shafted no matter what insurance company. So i went for the cheapest i could find. Just my opinion. Fabio |
||
|
9th May 2017 11:13am |
|
| JOW240725 Member Since: 04 May 2015 Location: Suffolk Posts: 7907
|
So difficult. I'm with A-Plan as the most competitive company that seem to understand modification. I've rather have gone with NFU but they were £250 more than A-Plan before we started talking modifications!
For me for £150 extra I'd rather go with NFU for peace of mind. Hopefully forum sponsor A-Plan could provide some reassurances on how claims are dealt with?? You hear lots of good things about A-Plan, but I've not heard of anyone making a claim yet?? James MY2012 110 2.2TDCi XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html MY1990 110 200TDi SW beautifully faded Portofino Red - https://www.defender2.net/forum/post743641.html#743641 MY1984 90 V8 Slate Grey - https://www.defender2.net/forum/post744557.html#744557 Instagram @suffolk_rovers |
||
|
9th May 2017 12:52pm |
|
| stigomery Member Since: 10 May 2016 Location: Cambridge Posts: 277
|
My list of "known modifications" is a side of A4 so I'd not risk declaring it all and only a specialist broker will quite so someone like Churchill is out.
Well, I have 4 days to decide NFU or cheap broker, questionable insurer (and hope I never have to claim) FWIW we used Chaucer (renamed something) for the past x years and they have been fantastic dealing with 2 total losses in the past 5 years. Best experience of an insurer in my 25 odd years of motoring. |
||
|
9th May 2017 1:35pm |
|
| AMBxx Member Since: 24 Jul 2016 Location: York Posts: 1033
|
Chaucer is now Geoffrey - that's who we're with. Never had to claim, but always great on the phone. Glad to hear you've had good claims experience.
|
||
|
9th May 2017 1:44pm |
|
| Def90 Member Since: 17 Jan 2015 Location: Kent Posts: 259 
|
Hi
This is the latest trend and the problem within the insurance industry, Geoffrey Insurance Services is a trading name of Zenith Marque Insurance Services Limited Zenith Marque Insurance Services Limited is part of the Markerstudy Group of Companies. |
||
|
9th May 2017 2:32pm |
|
| ARC99 Member Since: 19 Feb 2013 Location: North Yorkshire Posts: 1831 
|
Well for what it is worth S.W.M.B.O. and myself are with the NFU, we have had no problems with them.
We have had three incidents in thirty years, which the NFU have had investigated and proved that we were not at fault two of the other drivers have been put on the Insurance Fraud watch list . I doubt that other companies would have been so thorough . When I changed the steering wheel I just had to get a bill from and engineer to say that it was safe, they would not allow my to change the springs as they needed an engineer to say that they were safe . Okay it cost me more, but I know they will be there if I need them. As my father taught me" You only get what you pay for, It may be more expensive but you get the best". Don't make old people mad. We don't like being old in the first place, so it doesn't take much to  us off.
Richard |
||
|
9th May 2017 3:34pm |
|
|
|
| All times are GMT |
< Previous Topic | Next Topic > |
Posting Rules
|
Site Copyright © 2006-2024 Futuranet Ltd & Martin Lewis
