Written on: 10/11/2011
My biggest mistake was i trusted the above companies who persuaded me to take out PPI because i was a HGV driver and the sole earner and had a wife and four young children to support. I had never suffered from illhealth and had lived in our own home for twelve years. When i then came off work with a debilatating illnesss the insurance decided to make payments for two years. Stirling credit would not talk to us and took our home from us. I do not know what i did to deserve this ,twelve years... (read more)
Written on: 09/03/2011
Have been trying to find out the relationship of HFC to Hamilton Insurance ltd, even though our loan a few yeasrs ago was set up by a broker Click Finance that dissolved in recent years, we recall on being passed on to HFC in regards of the PPI, this was before the loan was paid out.
It was mis sold, and when getting in touch with Hamilton for more details as suggested by the ombudsman service, we have so far been passed on to one to another, such as to Aviva who apparently deal with... (read more)
Written on: 25/10/2010
Truly appalling experience- made redendant from job that i took cover for ( £57 per month taken) only to be informed that a small part time job self employed negated my policy.
Policy mis sold feel conned!!
Written on: 01/10/2010
My recommendation would be to get your insurance with another company. I had a genuinely legitimate claim and they are, eventually, paying out. However, they have tried, and continue to try, every possible way they can to wriggle out of things. Quite simply, I don't think they are reputable and you could find a much better company for your insurance. (read more)
Written on: 27/09/2010
I took out this policy as I was working in the Banking industry, there were no planned redundancies but I wanted a safeguard. After the agreed deferrment period Hamilton paid out for 9 months. The service I received was second to none. I was distressed about being made redundant and Hamilton took all that away. 10/10 from me. Thank you (read more)
Written on: 07/09/2010
I must disagree with those here. I had an income protection/unemployment policy open for only 2 months before making a claim. They honoured it and paid out on time. The amount was close to their £2000 PCM limit. Given my premiums of £30 and the short time I had the policy I was sure they wouldnt pay out.
I have no complaints. Thanks Hamilton!!
Written on: 02/09/2010
I agree with the delay tactics that other reveiwers have commented on. I had to wait to get any payment for my unemployment insurance, I provided them with all details, they claimed my previous employer was causing a delay in responding however I checked this out and they had already sent the information! The only way I got a result was by calling them on a dailing basis and paying out to get any documents by registered post.
Really Poor service and distressing when you are waiting to pay... (read more)
Written on: 14/07/2010 by Greg Howard Smith (1 review written)
I was made redundent in April 2010 and have attempted to activate my Income protection policiy.They have used delaying tactics and excuses to avoid paying,including a claim that a business is being run from my address.
I have been paying £60.00 a month into this this policy for over 5 years and have never claimed before.I shall take them to the C.A.B and the Insurance Ombudsman and 'Which'publication which I subscribe to.
I am a Marketing specialist by trade so I will raise the profile of... (read more)
Written on: 13/06/2010
After reading the reviews on Hamilton Insurance I am not feeling very optimistic about the claim against them I am about to make for a mis-sold PPI. I am determined to go ahead with the claim in spite of the negative reviews and glad that I read them. I am not in a hurry,I have been paying the insurance for nearly 5 years now, even though this was through a third party and was based on a loan with another company, I did not have any choice in who the insurance was with. I will write another... (read more)
Written on: 11/06/2010
when i became unemployed i got messed around from hamilton insurance so much,i was ringing them,writing to them,every letter i sent them was a recorded delivery still had no luck with them paying me out,i fell back on all my bills,morgatge and everything else,i did'nt know what else to do,until i went to the C.A.B. and they wrote a letter to them, then they finally paid out.I cannot thank the C.A.B. enough they really helped me out.so just be carefull next time you take a policy out. (read more)
Written on: 10/05/2010
Do not purchase insurance from Hamilton. In the event of a claim they will refuse to pay out and use delaying tactics in the hope that you will give up and go away. I was involved in a car accident 6 months ago, couldn't work for 2 months and am still fighting to have my income protection insurance paid out. I'm self employed and had no income whatsoever during my time off. They have refused to deal with me by phone, refused to return calls, refused to acknowledge letters, passed me around... (read more)
Written on: 02/05/2010
I had a serious car accident resulting in whiplash, a hospital visit and time off work. Hamilton refused my claim because in their exclusions policy - bad backs are noted. I had to argue my case extremely hard that whiplash was a separate issue to a bad back, had to see a specialist to prove my point and eventually got paid out. It was only because I would not let them batter me down that I think I got any where. It was appalling their excuses and delaying tactics. (read more)
Written on: 21/12/2009
These people are im sure like everyone else in insurance a load of deceptive liars who will do anything to prevent paying people who had put there hard earned money with this company. To date i have nothing good to say about these people even the people that answer the phones there know how badly the person on the line is been treated and they dont care. I bought from a broker who lied about the policy not little omissions but things that are central to the policy. Still hamilton are the... (read more)
Written on: 04/11/2009
I had occasion to claim due to a shoulder problem.I received payments for two months without any major delays. In fact they contacted me to say they were waiting for my continuance form for the second 30 day period. (read more)
Written on: 17/08/2009
Waited over 6 months for a claim to be sorted. Hamilton Insurance employ delay tactics at every step of the way asking for information in a bit by bit fashion. All the information they required could have been asked for in one go. They have a turn round time of 2 weeks in all letters and refuse to call you rather than write. A dreadful experience at a time where people require support not hassle.
If you are thinking of taking out health/unemployment/sickness cover then make sure who your... (read more)
Written on: 23/01/2008
I was off work for 9 months because of nerve injury and broken elbow, i got in touch with Hamilton because i have been paying them £x every month for critical and sickness cover, i have had initial problems sorting my claim out but after that all my mortgage payments were secured by receiving cheque from hamilton every month well in time before money goes out of my account, i guess im impressed because this is the first time i had to go through this process and it was overall smooth so im... (read more)
Written on: 07/07/2006 by Patrick Kennedy
Hamilton insurance will not only take your accident insurance premium each month, but they will delay legitimate payments to try and put you in arrears on your next payment so they do not have to pay any change in circumstance that you report, as you should do, even though it does not affect the nature of the claim, it is used against you. If in the past you were unlucky enough to take a loan out with HFC (the owner operators of Hamilton Insurance in the UK), you will find that premiums that... (read more)
Written on: 06/10/2005 by jwoodford
I am writing with reference to a recent claim to Hamilton Insurance that was put forward by myself, in relation to my inability to work for a three-month period this summer, due to an operation to resolve a defect known as Chiari Malformation, that resulted in brain surgery.
I feel that I must write to complain about the poor quality customer service that I have received throughout the claim process. I am incredibly disheartened that it has taken a period of four months for a decision to... (read more)
Written on: 06/08/2005 by Blanchardfamily2001 (31 reviews written)
Hamilton Insurance supply ACU cover to a large group of companies, these include The Household Bank, Credit and Store Cards. Their prices are reasonable and they allow multiple policies per loan - which seems a good thing. For instance you can have a term (or period) premium and also a monthly premium, you are supposed to be able claim on both and get payments off both. However, I thought you could only claim against one product as with Car or Buildings Insurance, they ask have you got any... (read more)
Do you have a question about this product or company? Simply type it in the box below and one of our community will give you an answer
As rated by real users
"Helpful " Read More
"Cycle Accident Sorted!" Read More
"Transparent, uncomplicated ins..." Read More
"Best Unemployment Insurance Ad..." Read More
"Hamilton and Stirling Credit L..." Read More