Prudential Home Insurance Review

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2 stars
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JonathanS's Review of Prudential Home Insurance

11th Aug 2008

Overall Rating

0 stars
  • Value for money
    0 stars
  • Type of Cover
    Not supplied
  • Have you made a claim
    Yes
  • Customer Service
    1 stars
Good Points

Absolutely none


Bad Points

Everything


General Comments

When our house burnt down, firstly the Pru told us we were not insured with them and for two hours they kept up the denial before 'finding' us on the 'old' system (we had moved in and taken the insurance only a month earlier).
The builder said he could rebuild in 5-8 weeks. The Pru told has that we would be back in within 12 months. I told them my husband was dying and needed stability and speed with the house. They promised 12 weeks. A staggering 22 months later we moved back in. The alternative accomodation was a 2 bed flat we accepted because they promised speed. My fourth baby was born there, my husband had chemo and was in bed in the stuffy flat for 6 months. I could not work because I work from hom and the flat was too tiny (my little ones had to sleep in the dining room for almost 2 years) Did the Pru care? Not a hoot. My husband died and still the claim was not closed. There was outstanding money owing - but oh I couldn't have it without them seeing his death certificate even though it was a joint policy. Did I insure again with them? Yes, over and over and had to pay huge premiums because the claim was ongoing and I could see what would happen if I went somewhere else mid claim. I did a subject data access request and most of the documentation was missing so that's become a complaint to the Info commissioner. The matter is now with the Ombudsman. Never, ever, insure with the Pru is what i would recommend. It costs them nothing to be nice on the phone, but you wait if your house burns down, it could be a different story.

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