Sainsbury’s exploitation of their pet insurance customers.

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alannewbolt's review of Sainsburys PetCare Pet Insurance


“Sainsbury’s exploitation of their pet insurance...”

Written on: 12/08/2020 by alannewbolt (1 review written)

I just happened to notice an unusual withdrawal on my online banking account, which had been taken by Sainsbury’s Bank. Investigating I found it was my pet insurance premium, but the premium seemed somewhat higher than it should have been. Asking Sainsbury’s for an explanation, the following was given:

In the significant changes document enclosed within your renewal policy documents, we informed you that the company underwriting your policy has changed from Allianz Insurance to Pinnacle insurance. Pinnacle has calculated your premium using automated decision-making to provide you with the insurance service under the contract. In order to provide you with an efficient service, the pricing process is automated and your premiums have been calculated using the information supplied by your previous underwriter.

The passage above must be Sainsbury’s definition for treating customers with contempt, explaining away their exploitation by claiming they had informed me of the policy changes, yet, I was neither told about the shift in underwriter nor that my premiums had increased from £659.64 to £1022.64 per year. Of course, the new underwriter unconcerned and without my knowledge was quietly dipping into my account to extract the money. Just what are Sainsbury's playing at, installing a new underwriter whose intention was to be underhanded and exploit their customers? I would have thought Sainsbury’s obligation to their customers was to use an underwriter that would have provided better value not instead install Pinnacle Insurance who financially has run amok. Pet insurance companies have become renowned for operating unethical practices since, without concern to even long-standing customers, they will increase premiums to an extent whereby the customer no longer can afford to pay them. Of course, it is transparent that some pet insurance companies use underhanded methods in an attempt to get rid of the bad investment of providing insurance for older pets. The pet, in this case, is a 10-year-old Cavalier King Charles spaniel called Millie. Millie shares our home alone with two other Cavalier King Charles spaniels Maddie and Amber. Maddie is the eldest and is now a wobbly 13-year-old and Amber the youngest is a boisterous 6-years-old. Looking at the insurance situation with Maddie her last yearly premiums increase was a far more reasonable £90 and this despite Maddie making several claims over the years. Millie, due to her age, has cynically been shown the finger of contempt by Sainsbury’s, who is now exploiting a trapped policyholder.

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