insurance is a business not a charity

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notalwaysright's review of Swinton Car Insurance www.swinton.co.uk

★★★★☆

“insurance is a business not a charity”

Written on: 28/06/2013 by notalwaysright (1 review written)

1. most complaints appear to be around cancellation charges (bearing in mind swinton staff are very scripted in reading T&c's and cancellation charges - if a customer chooses not to listen then it's no good crying over spilt milk - check out the competitors charges!!!
2. It's amazing the amount of customers that don't receive a letter prior to the letter that says their policy is cancelled - really? the cancellation letter is the final letter of many!
3.If you pay monthly direct debit- 1 monthly payment dosn't cover 1 months insurance - It is not pay as you go! The broker pays the insurer the premium for the whole year, if a policy is cancelled the return premium from the insurer may not always and in most cases not be enough to clear the outstanding balance on the account - therefore the customer pays whatever is remaining plus the cancellation charge which is stated upfront upon inception of the policy.
4. For those people taking out policies online and trusting their own insurance expertise - if they choose not to read the terms of business then they have no one else to blame but themselves.

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Christophe2Watches's Response to notalwaysright's Review

Written on: 16/07/2013

Today has thrown up 7.4 million reason that your wrong. Out of interest which dept do you work in. Inbound or outbound. Or are you one of the marketing lot tasked with damage limitation?

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Notalwaysright1's reply to Christophe2Watches's Comment

Written on: 18/07/2013

don't work in any of the dept u mentioned how about you?

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Notalwaysright2's reply to Notalwaysright1's Comment

Written on: 18/07/2013

oh and by the way my comments were never around the reasons the company were fined remember

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Christophe2Watches's reply to Notalwaysright2's Comment

Written on: 18/07/2013

Don't work in any of the depts I mentioned but you do work at Swinton .Swinton were and still are deliberately cagey and stay on the very edge of guidance when giving cancellation details. On top of this insurers return premium rules are never given to customers at inception, almost as dodgy as the staff being encouraged to up levels of cover on Personal accident policies without customer approval. Deserved every penny of that fine.

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Notalwaysright3's reply to Christophe2Watches's Comment

Written on: 26/07/2013

interesting comment - although still have figured which dept you work in but on the basis staff are no longer really sales staff and just script readers and it does clearly state on the scripts if you check them that if a policy is cancelled when paying monthly that if the policy is cancelled during the yr that the refund may not be enough to cover the insurer charges and swinton charges and therefore the customer would be responsible for any outstanding balance - if you are working for the company then you may need to consider a career change or if you previously worked for the company then i can only assume you left because you didn't succeed

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Christophe2Watches's reply to Notalwaysright3's Comment

Written on: 26/07/2013

Judging by your inability to use basic punctuation or upper case letters where needed I would say you are probably a manager at Swinton. The scripts up until March this year only mentioned that a customer would be charged upon cancellation, "a cancellation fee of £ x plus any insurer charges". If questioned on this point staff were encouraged to answer a vaguely as possible, usually using " it depends on when the policy was cancelled". This usually followed the part of the sale in which legal cover (DLP) was added without consent leaving the customer to assume it is included( which in many cases it was by the insurer,resulting having two legal policies). Scripted but still dodgy.If scripts have changed since it was only done to make the FCA think Swinton had seen the error of their ways. I may have missed changes since I left Swinton (god knows they were needed) I however left for a job as a an Underwriter with a large insurer , funnily enough you dodgy bunchare one of our clients.

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Notalwaysright4's reply to Christophe2Watches's Comment

Written on: 26/07/2013

Oh how funny - I accept your comment about the punctuation apologies for this but read your response and you will see yours isn't the best either, but then no one is perfect are they? By the way are there any jobs going at your new company? I have been in the insurance industry for 25yrs? I may not have the ability to always use basic punctuation or upper case letters when needed but after all I am just replying on a open forum, it's not as if I'm sending a letter to a customer and I do know my stuff - no hard feelings eh?

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Tjh82's Response to notalwaysright's Review

Written on: 26/04/2014

How patronising! I was well aware of a cancellation fee. I was not prepared to be told that the policy would more than double for my new car. Average price from 4 other insurance companies was £350. Swindleton want £850, so I had no choice but to cancel and then get stung with their cancellation fee.

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Majid Hussain's Response to notalwaysright's Review

Written on: 16/07/2013

Couldn't have put it better

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