is car insurance in uk one big fraud ? Was your car insurer ok when u made a claim ?

Question

i know that the cheapest one is tesco, i know there is confused.com etc, but the cheapest is not the best, i need reliable insurer

i read scary reviews on car insurers in uk(www.dooyoo.co.uk, www.ciao.co.uk) and am desperate e.g. tesco do not pay if u make a claim and accident was your fault and u have fully comprehensive - nonsense ?

Answer 1

Hi,
I know what you mean.
You gets what you payed for.
I don't suspect "fraudelent behaviour" though, otherwise the company would be put sharply out of business.
Howevel, the cheaper Insurers operate as such by bunging in loads of small print, stating that you are not covered for this that and 'tother.
I use the nodding dog, Churchill, and although not the cheapest,
they coughed up no problem on a small claim for a wing-ding.
Stick to the big names would be my advise, as, let's face it, you want prompt and proper response should it come to a claim.
That surely is what the insurance companies are for !
All the best with them, and try not to bump into anything.
Cheers,
Bob.

Answer 2

Hi. No, car insurance as a whole is not one big fraud. Ultimately any form of insurance is designed to protect the policyholder in time of financial/material loss. The Financial Services Authority has very strict rules and regulations by which all insurance companies are governed and if any insurer does not comply, they will be heavily penalised by the FSA. The whole thrust of these regulations is to ensure the customer (you) gets a fair deal.

However, when you take out an insurance policy (and also when you renew it or try to make a claim) you have a legal duty to be honest when answering the insurers questions. If you are not, and the truth comes to light, then any insurer can legally refuse to pay your claim or can simply cancel your cover.

If however, you feel that you have been treated unfairly by an insurer either when trying to buy a policy or when making a claim, then are entitled to make a formal complaint. The insurance company has a very strict list of rules from the FSA to follow when dealing with complaints and if they do not follow these rules or do not resolve your complaint fairly then you have the right to refer it to the Financial Ombudsman Service.

I suggest you look at the consumer section of the FSA website: www.fsa.gov.uk

Answer 3

With insurance applications, you must always be totally honest, any hint that you have not told `a whole truth` is enough for them not to pay up. That is the key to getting your claim settled, and getting a reputable insurer. I don`t know Tesco as an insurer, but they are a trust worthy company and would not want to tarnish the reputation they have in other markets, by not treating their customer properly.

Answer 4

I used the Direct one (with the red phone) and with all my and my two sons claims (let me think), Son number 1. - (7 days after he'd passed his test) decided not to negotiate a bend and went straight into a field, writing off the car. Son number 2 - walked out of the house and it was only on his return he realised that the car had gone! It was found, but so battered, again a write off. Me (hmmm!) wearing new varifocal glasses, reversed out of the drive straight into Son number 1's new car. (Didn't even see the thing! I now wear single vision glasses for driving!). On every single claim. the Direct people were pleasant, helpful and all I had to do was report the incident. The rest was left to them. They sorted it all out with no fuss at all. They were also, even after all those dings, far cheaper than a lot of the other firms.

Answer 5

I had commercial vehicle insurance with Royal and solar Alliance. Had an coincidence which grow to be my fault and my van grow to be written off. The assessor referred to as me the day after the coincidence and we agreed a freelance be sure and that i had a cheque in lower than 2 weeks. This grow to be no longer an inexpensive coverage yet that grow to be the style of service I predicted. As with each thing you get what you pay for.

Answer 6

I recommend a reliable and established insurer such as Cornhill Direct.

You can get a quote here:
http://www.awin1.com/awclick.php?mid=1133&id=7422&clickref=yans

Answer 7

ASK TESCO FOR A CAR INSURANCE IF YOUR OVER 80 AND THEY SAY THEY DONT DO IT AND CONFUSED ARE BROKERS NOT INSURANCE CO SO WHY NOT TRY (SAGA)

Answer 8

Check out this article i found http://www.youbigg.com/Car-Insurance.html it has details on different types of plans and information etc.

Answer 9

yes we can claim