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★☆☆☆☆

“Guaranteed Bonus is deceitful”

Written on: 29/05/2020 by Gazzer1956 (1 review written)

I strongly suggest you do NOT pay Churchill Insurance the additional premium to guarantee your no claim discount. I expect the same applies to Direct Line and Privilege who are also owned by the same underwriters, UK Insurance Ltd.
My stepdaughter did and was involved in a minor accident where both parties were at fault and the damage to her car was so minimal that she did not even bother to get it fixed. When her renewal from Churchill arrived she still had the maximum no claims discount but they had hiked her premium because of the accident and when it was queried with them apparently this is standard practice even if you are involved in any accident and have paid them extra money to protect yourself.
I think this is a deceit, she paid extra to have her bonus protected only for Churchill to penalise her in another way. Their explanation was the bonus was guaranteed but they reserve the right to increase premiums if someone is involved in an accident. Had she been involved in a number of accidents then it would be more acceptable but for one minor accident it is not.
Apparently they paid out nearly £1000 to the other party and when they were asked to provide copies of invoices etc. to substantiate this they refused. Where is the accountability and transparency, do they have something to hide? By the way the other vehicle was much larger so why they agreed to pay this amount considering the minor damage to her car and the fact both parties were partially to blame is a mystery.
No wonder insurance companies have a bad name when it comes to dealing with customers.
So if you want to not be able to get information which really you are entitled to then by all means insure with Churchill, my stepdaughter certainly will not. She will also not be using the other companies owned by UK Insurance Ltd, Direct Line and Privilege either for the same reasons.
If I could give them zero stars then I would.

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