Covered Against Almost Nothing (RapidInsure.co.uk)

Member Name: N Wheatley

Product:	RapidInsure.co.uk
Date:	05/08/08 (25 review reads)
Rating:

Advantages: None

Disadvantages: Expensive, poor cover.

Don't waste your time and money with Rapidinsure. I didn't realise how bad my policy was until I actually made a claim. After originally telling me I could claim for my MP3 player with an excess of £100, they then reckoned that anything dropped or spilt carried a £250 excess, it's in the small print somewhere. Isn't that why we buy insurance, in case we drop or spill something ?
For this awful cover I was paying a whopping £414 for buildings and contents, the lowest excess was £100. I have since got several quotes with much better cover, with a £50 excess, for much less, some below £300.
The general guide is, high premium - low excess. Or low premium - high excess. But I was getting the worst of both worlds, high premium - high excess.
Their customer service is also crap, after being put through to the Compliance Dept. no-one answered, and after being promised a call back within the hour, nothing. The only thing that's rapid about them, is their eagerness to take your money.
PS I originally gave them no stars, but couldn't go onto the next page.

Summary: Don't spill or drop anything if you insure with these.