More than - Actually less than and more than in my case???? (More Than Car Insurance)

Member Name: dove3066

Product:	More Than Car Insurance
Date:	29/04/09 (80 review reads)
Rating:

Advantages: Professional, easy to do business with

Disadvantages: Not always allowed to match internet prices

It has come around to that time of the year again and my car insurance is due to be renewed.

I am currently insured with More than and last year I unfortunately had the first accident I have ever had after over 20 years of driving!!.

The only problem with insurance is that you never really know how good an insurance company is until you have to claim. Here is my experience and the sunsequent renewal process I have gone through.

The Claims process
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I had my accident last summer luckily no-one was injured - only my pride!!! As this was the first accident I had ever had I really wasn't that sure what to do really. I accepted responsibility immediately, though in hindsight I realise that I should have taken stock of the situation and looked around at what had actually happened. I always assumed that because I was reversing that it would be my fault - however if the other car is also reversing then this changes and in my naivety I assumed people would be honest (especially when they only live a few doors down)!!

Anyway I contact more than as soon as I got to work. I found the number using the web site and was put through to the claims department promptly. I was dealt with very effeciently and I was advised that because I had only had the policy for two months it may take a bit longer just to get authorisation for the repairs to my car. However by the afternoon I was contacted by the repair company and my car booked in for repair the following week. The only slightly negative thing that I can say at this point was I was contacted about a week later by the insurance company to say that they had authorised the repair and I would be conatcted by the repair comapny soon - even though I had already arranged a date??? Perhaps they were just too effecient.

The renewal process
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Mr renewal came through a couple of weeks ago and the cost of my policy had increased by nearly £80 from £280 last year to £360 this year. So much for protected no claims. The letter did state that because I had madea claim they could offer the two months free benefit. I drive a Saab convertible so I expect to end up paying a bit more. I decided to do a little bit of surfing on the internet using the comparison sites and found that I could get it significantly cheaper - still with more than- on the web. There were also alot who were significantly more expensive - how can some companies justify £1,561????

I contacted More than who advised me that not all poilicies are the same on the web site and that the Tesco's version of the policy whilst it had a protected No claims bonus it only allowed for one claim in the first year and two over three years. However he also advised that he was not authorised because of the discount I received last year as a new customer to match the price of the website - even their own!!

I asked if there was any reason why I couldn't buy the policy on the internet which matched my current policy but was £60 cheaper. He said he couldn't advise me but there was nothing to stop me, and he commented that a lot of customers are in this position.

Summary
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1. More than have been very professional throughout the length of my dealings with them.
2. The accident was dealt with very smoothly
3. If you have an accident - take stock, think about what happened, don'y make any rash decisions
4. Use the internet to compare but its worth a quick phone call to make sure the policies really are like for like.

Summary: My dealings have been fine with this company