⚠️ Please think twice before using Geoffrey Car Insurance ⚠️
After being hit by a police car on New Year’s Eve (non-fault), I am still battling just to manage my day-to-day life and keep my business afloat.
I drive a 7-seater with business use as I’m a childminder, and I specifically pay extra for courtesy car cover. Despite this, they delivered a 4-seater Fiat, which is completely unsuitable for my work — meaning I cannot carry out my daily routine.
I’ve since been told that, hidden in the small print, a courtesy car is “subject to availability” and not guaranteed.
I understand compromises if an accident is my fault — but this wasn’t my fault. So why is my working life the one suffering?
My insurer should be dealing with the third party’s insurance to ensure I have a suitable replacement vehicle while mine is being repaired. Instead, after over 24 hours of phone calls, I’m no further forward.
As a “solution”, I was told I could stop working and claim loss of income — but anyone running a small business knows that clients won’t just wait around. I’d lose my business.
The entire situation has been incredibly stressful and upsetting. The only positive has been the Carpenters legal team, who have been the most helpful department throughout.
I’ve now been told my car may not be ready for months, and honestly, I can’t see a way out of this nightmare.
You’d expect that if you were involved in a non-fault accident — especially being hit by the police — you’d be looked after. Instead, I’m desperately trying to keep my business going without the transport I actually need.
I am exhausted, stressed, and genuinely disgusted by how this has been handled.
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Geoffrey Insurance Services (formerly Chaucer Direct) is an online motor insurance company, dedicated to providing car and pet insurance at competitive prices.
We aim to provide drivers with the lowest insurance prices and the best service in the business.
