iGo4 Home Insurance www.igo4.com

So I am a little confused by the poor ratings on here I have a policy with iGO4 and when I have contacted them about my home insurance they have been fantastic. When I set up my policy I searched via compare the market and I admit I didn't read the questions very closely and then just went with the cheapest. When I finally read my documents i noticed it said i wasn't within 1/4 mile of water which isn't true.

I tried to make the change online but it wouldnt let me so I called them, they answered immediately and I spoke with a charming girl who treated me like a human being. Anyway she agreed not to charge any fees as I had tried to make the change online, she had to get the change agreed by the underwriter and SHE WOULD CALL ME BACK! I was thinking oh yeah right but she actually did call the next day at the time we had agreed and confirmed everything was fine.

Don't believe all these other reviews not only was the staff member lovely they did what I asked and called me back to confirm. Exactly what I want from a customer service!

have a home insurance; had a breakdown - no cover or help provided despite 48 hrs trying. had to pay myself to fix it.

complained, they said they had passed my work to a 3rd party, so its not their fault!!

Outrageous, I am going to the ombudsman

dont bother you are not going to get psid put

Better stay away from them!!! just before end of my policy(6 weeks) it has been cancelled because i not respond on there email ( they gave me 7 days) but i was on holiday that time so i have no chance at all. When i come back and try to solve problem ive been told that there is nothing that they can do!!! so who can??? asking for renew my policy, amount what they propose me has been twice bigger than before so i was really unhappy... so never ever IGO4

I am fuming at this company! The way they work is disgusting they more than doubled my home contents insurance on renewal then when I want to cancel as moving home they try to charge cancellation fee of £60 as well as other fees adding to another £80, I spoke to a member of the complaints team today who Wasn't helpful in any way and instead left me in tears. Stay away they are shocking.

Poor website, poor service, untrustworthy. Do not use them

As many other customers have already stated, they do their business based on lies. I made an insurance quote, they told me one premium, but after taking the insurance with them they increased the premium. I ended up cancelling, they charged me £75 cancellation fee and a ridiculous sum of money for only 24 days of being insured with them. I wish I had done a better research. They are awful!

at the renewal letter it said i have a 3 years no-claim bonus. but when i ask them to send me the certificate, they said i was involved in a accident, and it was my fault. so the no claim bonus is cancelled. i never received any letter about the claim.

Firstly, iGo4, like many of the newer insurance companies, have extortionate charges. I was aware of this and didn't see any need to pay them.

In November 2012, my insurance was due for renewal. iGo4 weren't the cheapest, but offered a great amount of cover - this is contents only at £150.38.

Taking the monthly cover (yes, expensive APR) it came to £168.27.

In early December, I received a letter from them basically accusing me of lying and not mentioning a "claim in 2008". So the insurance was going to cost £14 more*

With a £35 charge for "mid-term adjustment". I argued it, but they told me that there's nothing I can do.

A change of circumstances meant I had to move in early Feb. Less than 3 months into the policy. So I assumed (according to them) that I could change the address online, without charge.

Assumption wrong. The website said I had to call their call centre.

So I called them and guess what "Sorry, no quote. We can't offer you insurance". Strange, because everyone else will. And it's cheaper.

Here's where it all kicked in. Now I'm being charged £60 for cancelling the policy. £60! In addition to £52 in interest charges (Pardon?).

So although I've already paid £78.15, I still owe £118.34 and I can no longer pay monthly (it's not that I can't afford it, it's just a pain).

So the breakdown?

Original policy £150.38

Total payable including APR £168.27

Actual costs for less than 3 months:

Time on risk charge (including interest of £52) £136.49

Cancellation Fee (? I didn't cancel, they did!) £60

REAL total payable £196.49

In my opinion, I would not recommend ANYONE insure with iGo4.

If you insure yourself with iGo4, you have been warned!

*We had some water ingress in 2008 and whilst we didn't end up making a claim, we did ask our insurers if we could - it turned out it was classed as "Accidental damage" for which we didn't have cover. So note: No claim made (although insurer was notified). I've never mentioned this since to any other insurer (because there was no claim) and they had no reason to query it. We re-insured with the same insurer later in 2008 and with negotiation, the annual cost was the same.