Review Time
Do not use this company for travel insurance! I spent months supplying them with all my documents, dealing with different people, having to send documents several times, and only to receive a tiny amount of compensation in the end. They didn't cover any of my flight and accommodation costs when I couldn't fly due to a natural disaster! When I put in a complaint, it took them another few months to investigate - only to come back with 'sorry, there is nothing we can do'.
In January 2025, a tree on council property fell onto our fence, causing significant damage to both our fence and our neighbor's partition. A month earlier, the council had installed a path right next to these trees, which we believe compromised their root stability. We waited over eight months for a response from the company, only to be told they were not liable, accompanied by a series of unconvincing excuses. They claimed the tree was checked annually but provided no proof, and argued that the path could not have harmed the roots without any evidence. I am now considering legal action, as they failed to substantiate their refusal when requested. Based on other reviews, this company appears ineffective, and I would not recommend them to anyone. I am over £2,000 out of pocket due to their unfounded refusal. Additionally, after we submitted our claim, the council removed all trees along the nearby fencing, indicating they recognized the potential risk, which contradicts their claim of no negligence.
The service provided life and critical illness cover for my spouse and me. When I fell ill, they processed my claim promptly, allowing me to concentrate on my recovery. Truly professional and I wholeheartedly recommend them—no attempts to avoid payment like other insurers.
The company I worked for in the 1990s offered a pension scheme that I contributed to. Initially managed by another provider, it eventually transitioned to this service. I observed steady growth in my fund over the years. I'm now converting this into a drawdown pension and am pleasantly surprised by the transfer value—an excellent investment!
This has been one of the worst experiences I've encountered. After a leak, I initiated a claim but decided not to proceed due to minimal damage. The service insisted on a questionnaire to close the claim, which I did not complete, thinking it was a scam. Consequently, my policy was terminated, and I was blacklisted from obtaining insurance. Despite numerous calls, I received no help and was told the issue would persist for five years. Eventually, I managed to find new insurance, but the experience has left me feeling frustrated and overwhelmed.
I can't believe it's been a year since my laptop and tablet were damaged during travel. When I filed a claim, I was asked if they were being repaired, which they were. I was surprised they expected me to bring broken devices from abroad to prove my claim wasn't false. I'm still fighting for my rights.
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