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eCar.co.uk
by loulou22 Car Insurance... an expensive but important part of responsible car ownership. Car insurance for me is one of the main things I hate, along with petrol prices, about owning a car. Before I left the UK back in October 2011 I was the owner of 'Rufus' - a 1999 T-Reg Golf, with a 1.4l petrol engine, like all of us I wanted an ... insurance policy that was as cheap as possible but still offered me everything I needed. After spending a lot of time on comparison websites being given insurance quotes where the policy was going to cost me more than the car was actually worth I was ready to give up, but after a conversation with a work colleague I was recommended to try ecarinsurance.co.uk also known as Ecar. The Website Upon getting home from work I went to the ecarinsurance.co.uk website and was greeted by a rather bright blue and yellow home page with a variety of options and an introductory paragraph about Ecar as well as various tabs to click on for information about policies, FAQ's, making a claim and how to contact Ecar. The 3 main kinds of car insurance Ecar offer are shown on the left side of the home page: Standard Policy: The most common kind of car insurance policy for people who want a 12 month policy, fully comprehensive or third party with various payment options available. Pay As You Go Policy: This policy is something I have personally never seen before, but has probably existed for ages without me knowing, it is a policy for people who don't drive very often so just pay for insurance as and when they need it. Short Term Policy: This is a policy which lasts up to 28 days and the website tells me is ideal for weekends away and test drives. I've never looked into this so I only know what the site is telling me for this one. The website itself is easy to navigate around and the wording on the site is so simple that I think most people would be able to use it with ease. There are many tabs to click on which make it really easy to find everything you are looking for. I think the site is laid out well and I have never had a problem with finding the information I am looking for. Getting a Quote Getting a quote for car insurance with Ecar is really easy. You will need to select the type of policy you want from the home page, then read and agree to the terms and conditions of Ecar, after this it is a case of filling in your personal details, car details and any information about penalty points and criminal convictions over a space of 7 pages. It sounds a lot, but I found it only took me around 5 to 10 minutes to enter all of my details. While you are filling in all of this information you will also need to select whether you want to take out fully comprehensive, third party fire and theft or third party insurance. Due to a bad experience in the past where I have had third party and then lost out when I made a claim I now only ever choose fully comprehensive for the personal security that I will be covered for most, if not all, situations. Once you have filled in the form you will have to wait around a minute, sometimes less if everything is running smoothly, to be shown your quote. At the quote screen you can select to adjust certain factors such as excesses, windscreen cover, courtesy cars, rescue and recovery services and other drivers, when you are done adjusting you simply need to click 're-calculate' and wait a couple more seconds to see your new and hopefully lower quote. Buying a Policy If you are happy with the quote you are given then you can choose to buy the policy. I was very quick to accept the price I was given as it was cheaper than all of the quotes I had received from the price comparison sites such as confused.com. For my 1999 T-reg VW Golf, I was quoted £574 and something pence for a fully comprehensive policy which included windscreen cover and a £300 excess. I found this to be pretty reasonable as I had 3 penalty points that were due to expire 3 months after the policy began and I had also made a claim within the last 2 years for an accident I had on an icy road resulting in a total loss. Purchasing the policy was simple. I just needed to click 'buy now' and then I was given the choice of payment by monthly instalments or one lump sum. I chose one lump sum as this works out slightly cheaper, but if you don't have the money to pay in one large amount then it isn't too much more to pay by monthly instalments. If you pay by monthly instalments you will need to make a deposit payment to begin with and then enter your details to set up a direct debit with Ecar. Payments can be made with Visa, MasterCard, Delta or Solo cards and all of the transactions are protected by RBS world pay. The Paperwork Once you have paid for, or arranged payment terms for your policy you will receive an email from Ecar confirming your policy number and a link to log in to the Ecar website where you will then be able to print out your certificate and other policy documents for free. I think this is great because in the past I have mislaid paperwork and then had to pay a fee for the insurance companies to send me a duplicate document. Within about a week of taking the policy out you will receive some paperwork by post which you will need to sign and send back to them as soon as you get it. If you don't then they will have the right to cancel your policy. They may also ask you for a copy of your driving licence, both the photo card and the paper counter part as well as a copy of any no-claims bonuses you have. They accept photocopies and they do provide an addressed envelope to return all of this, however if it is easier for you then you can scan the copies of your documents and email them to them. This was how I chose to send them and within only 4 hours I had a confirmation email that they had received my documents and everything was fine with the policy. This is the only paperwork you will receive from Ecar unless you specifically request that they send you a printed copy of your policy. Making a Claim or Making Contact - It's All Online Ecar insurance is a company that is run almost entirely online, hence the reason you can print your documents from the website. They do have a helpline phone number but it costs around £1 per minute to call, they claim that this is because they have low staff numbers as they like to keep their costs low and can then pass this saving on to their customers. When I first read this I admit I did feel a bit dubious that there had to be a catch somewhere or that contacting them to either make a claim or with an enquiry was going to be a long and drawn out process. Thankfully I was wrong! Although I have never had to make a claim on my Ecar policy, I have had quite a lot of contact with them via email for various enquiries which mainly regarded how to go about cancelling my policy when I was preparing to move away from the UK. At first I was concerned that they wouldn't reply quick enough to my emails and that I would end up having to use the helpline to get my answers, however, I emailed them with my enquiry one morning before I set out for work, so this was around 7am, by the time I checked my email at lunchtime not only did I have a reply, but it was a reply containing all the information I had asked for and even various links to different parts of the website so I wouldn't have to spend ages clicking around to find the area I needed. I was impressed with the speed that I received a reply from them and even more impressed with the amount of detail contained in the reply meaning that rather than numerous emails back and forth, I was actually able to find everything I wanted with just one email and one reply. In my opinion this is excellent! Cancellation Ecar offer a 14 day cooling off period where you can cancel your policy with no charges within the first 14 days if you change your mind, I have never used this method of cancellation, but as I mentioned, I was moving away from the UK so I needed to cancel my policy as there was still 3 months remaining on it. I had paid for my policy in one lump sum and to be honest I didn't expect to get anything back as I always thought that once the cooling off period was over then it was extremely hard to get anything back from an insurance company! To cancel my policy I clicked on the link contained in the email I mentioned earlier and was taken to a page where I needed to enter my email address and policy number. After entering this I was simply asked what date, up to 30 days in advance, I wished to cancel the policy from and then click confirm. To my surprise I was then shown a screen telling me I would receive a cheque for the value of £72 as this was the outstanding overpayment on the policy for the remaining 3 months. To receive the cheque all I needed to do was return any paperwork they had sent me and wait 14 days after the cancellation date for the cheque to arrive. 14 days after the cancellation date I had actually already left the UK, but my mum kept me informed that no cheque had arrived, so I sent them an email enquiring as to why I had not received the promised cheque. This time they did take a little longer to reply, but nevertheless I still got a reply within 24 hours stating that they had a back log but rest assured the refund was on its way. I'm pleased to report that they kept their promise and the cheque did eventually arrive around 2 weeks after this email so in total it was around a month after the cancellation date rather than 2 weeks. However, I don't feel the need to complain about this as the contact was excellent and the reply was apologetic and informative. Other Policies Ecar also offer other insurance policies including bike, van and home insurance. I have not used these services, however if I did need to in the future I would definitely consider them when obtaining quotes as so far I have been generally very pleased with their prices and service. Overall Overall I really cannot fault Ecar. I was doubtful at first because of everything being dealt with entirely online but my experience with them has cleared away any doubts. Their communication is excellent and their prices are great. I would have no worries about putting a claim through with them entirely online as they have so far responded to all of my communication just as fast, if not faster than previous insurance companies I have been with. I find the website is really easy to navigate around and obtain quotes from. If I ever need car insurance again I will definitely be returning to Ecar for a quote and hopefully a policy and I would definitely recommend them to you. Thanks for reading :) Read the complete review |
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Direct Line Insurance
by Knight I have had an ongoing claim for 8 months now after a woman reversed in to my car, Direct line have so far acted as their own party in this claim and have not been on my side at all, I have put in numerous complaints to their "team" all of which I'm given a letter saying sorry but no improvement, I am now complaining to ... the Ombudsman about their conduct as a company. for the past 8 months I have been waiting for the claim to be closed, they have lied to me about witness statements being sent out to my witnesses, they have lied about them coming back to them, I was left without a car for 4 weeks, and in December received threatening phone calls from the third parties Husband who had only just been informed about the claim.. In DECEMBER! And Direct Lines answer to this was "well there's nothing we can do maybe you should change your number?" They told me to obtain more evidence I myself would have to go to the small Tesco's store and ask for their CCTV of the day the accident happened? To which you can image Tesco's response was! I have contacted them on every occasion for updates which has cost me hundreds each month on my phone bill with their 0845 numbers, because they NEVER ring me, only to be told I ring too much! I contacted them in January to ask about the process of the claim and was told that it should have by now been taken to court for action but no one's actually put it through despite their policy that this should have been done after 8 weeks from he date of the accident, and yet no one had yet picked up on this? Their complaints department wrote me a letter saying if I wished to discuss my complaint further to contact "Joe blogs" only for me to then ring to discuss it and find that he closed my complaint on the date he wrote me the letter??? and so 8 months on I am paying a higher premium because they will not give me my 1 years no claims discount, I can't go to another company because of that and the fact that I have an open claim, I am basically a Hostage Customer to Direct Line! And can't even afford to ring and tell them this!!! Read the complete review |
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AXA Insurance
by Axa sucks I totally agree that AXA sucks. I have been just trying to increase my critical illness coverage for a year now and they are so full of lame excuses it's ridiculous. Initially I sent in a claim to increase coverage to my yearly salary. First they said I put I had not seen a doctor in a year on my form. I had so I asked what they needed ... and provided a doctors note that I had been there over the last year. Than they wanted me to take another medical test and so I did it and completed another application to send with it. Than they said I was declined as I did not send the information. So I wrote that I had sent it and that I wanted to know what was missing. Than they said I was fat and they didn't like my test (even though it was normal). I am a healthy 30 year old with no known medical issues and they think I am too much of a risk as my test results are normal and my weight is average. They want me to have no family history of cancer (no direct relative has had it) or heart disease (um we live in the western world, who has no family history of heart disease.) I am tired of the BS they put onto customers and unfortunately my work forces me to use them or I would so CANCEL my insurance with them and go elsewhere. Read the complete review |
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