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The company has just one aim - to make money. Customer service and satisfaction do not come into it at all. They want your money, and will tell you what you want to hear to make you part with it. OK, their quotes may be cheaper than a lot of others and this is fine, until you have to make a claim. There are 5 people working in the claims department. 5 people to service a client base of several thousand. Is it any wonder you wait for months to get repairs authorised and claims settled? The quotes staff are little better, in the motor department there are around forty staff members all trying to reach target figures, and be the best selling salesman for the month. To achieve this aim, they will assure you your policy has breakdown cover, when in fact it does not, that your vehicle is garaged, alarmed and will do less than 5000 miles a year, regardless of the true facts, in order to beat your best quote. If they do persuade you to part with your money, your credit card number will be written down, and passed around the office until it reaches someone qualified to take the payment. You will be very lucky if your documents are sent to the right address, and if by some miracle they are, the likelihood is that your details will be wrong anyway. And don't even think about complaining, you will be left on hold until they think you have given up and more than likely cut off. In short. Steer clear of this company. Believe me, I know!" that name again is 1st QUOTE INSURANCE.............avoid..avoid..avoid
Similar problems previous year with quote/policies not arriving until 6-8 weeks AFTER they have started taking direct debit out. Renewed House Insurance in May.............got a letter on 10.11.10 stating THEY had made an error & I was not covered properly - would I get in touch to arrange it & it would probably cost me more too!!!! Rang Saturday at 3.30 - got automated message saying office is closed, please ring between 9-5 on a Saturday........???????!!! Rang three times on Monday but no matter what time you ring i.e. 9am!, no-one is available. Rang twice on Tuesday - went on to crappy music straightaway. Rang again today.......no-one available, can I get them to ring you back....."in the next 24-48 hours"..!!!!!! What? Told him it was urgent, THEIR mistake.....wanted it sorting a.s.a.p. "Do you want a ring back or not?" .....I give up, left number, clock is ticking..........will NOT be renewing policy with them next year. Rant over!
Took up an online quote for tpf&t, paid with card (money taken)only to find next page said not covered must phone them. Phoned, as my car is an import they had to check all ok with insurer, this took 35 mins in total and I was told all ok. On 13th May I received the paperwork with 'Statement of facts' for checking. This was incorrect, said it was uk car and not import + wrong make/model. So I phoned and was told (after another 30 mins) that it would be fine, would have to pay another £10 and they would phone me back tomorrow when paperwork done. They didn't. On the 27th I received more paperwork still with incorrect vehicle on the statement of facts. So phoned again and was told I wasn't covered - that insurance company (Brokers Direct) doesn't cover import cars and I had 7 days to find alternative insurance. I wonder if they were actually going to inform me of this fact. Because it is beyond the 14 day cooling off period they are going to charge me £30 for 26 days cover which equates to £496 pa which is nothing like the £157 that I was first sold the insurance for. They suggested that I was the one that input the wrong vehicle and are now going to listen to the recordings as I refute this. This company is a complete shambles and in my opinion downright dishonest. I would hate to have to put a claim in!
Must agree with everything already written. I've had the unpleasant experience just today. I did several on-line quotes and requested a callback from one of the companies. I received a call some half hour early and not paid attention enough to detect a call coming from 1stquote. My mistake. Still I was expecting a call and thought it was the correct one. After I've decided to go ahaid with motorbike insurance I was read the speedy disclaimer and payment taken over the phone for a credit card. I was given a reference number and customer services contact number. Moments later the real company who I requested a callback from called and it became apparent something was wrong. I called the number where I got the first call from and after supplying my details to check whether the insurance has gone through they didn't even have any information on their system of any insurance fro me being taken out ... After some more enquiries it turned out the reference number I was supplied with is not in correct format so they can't trace it up. Furthermore, calling the customer services phone number given - I reached a travel agency ... enough said? Luckily I have a bank branch close so I went and cancelled a pending transaction. Funny - the people from 1stquote I spoke with over the phone were not able to locate that transaction being out through. Someone mentioned them taking credit card details and running them around office for a while - seems true enough. So to summarize - their quotes may be cheap but it's just not worth all the hassle. You end up without insurance, with bad customer support and unreliable information system. I'm still deciding on whether to call the police about a possible fraud.
we took out motor insurance with this company in October this year. 7 weeks later we received a letter from them which had taken 8 days to arrive saying 'they had cancelled the policy' this had been done 7 days earlier and we were driving around with out insurance during this, unaware that we were doing so. Their explanation was that the underwriters were not honerng the quoted prices and even though we had paid in full had many conversations n the phone with them, this was never mentioned. at the time of taking the initial insurance they were just £140 cheaper than the next quote. Now, they are asking for another £500!!!! on top of the original premium to insure us. Searches on the internet have proved fruitless as all insurance companies have put their prices up during this time and it means 1st quote are in fact still the cheapes even at a massive £500 extra. We were left with no alternative but to insure with them again as couldn't afford any extra again or to be driving around uninsured. Has anybody else had this problem? what do we do? are they allowed to do this? and are we entitled to compensation. this is really poor practise and it sticks in my gut that i had to give them another policy. they are very unhelpful, won't acdept responsibility but will happiky take your money.
Is your broker 1st Quote Insurance? If so please check whether they have added 'legal protection' to your household policy - renewal notices will contain 1 sentence advising you that an extra £1 a month will be taken to cover this. If so, have you EVER been sent a policy for this so called legal protection? Their renewal notice advising of the so called cover will state that it is to be sent in a separate post. I have used 1st Quote as a broker for my contents insurance (Folgate) since 2003. In 2005 1st Quote added legal protection at an additional £1 a month but their letter advised that the policy would be sent in a separate post. It never was. Again in 2006 the renewal advice for my contents insurance contained the same sentence regarding the legal protection and fee - also that policy would be sent in a separate post. It wasn't. We recently had cause to make a claim against our so called legal protection (have never claimed on contents) but guess what? Not covered. Of course, 1st Quote, General Legal Protection (provider) and Groupama (underwriter) all stuck together like glue. We have established that 1st Quote did not even set up a policy for us in 2005 but they maintain that they didn't take the extra £1 a month either. This is actually quite crucial as this covered the start of the dispute we wanted to pursue legally. They maintain that they did set one up in 2006 but of course the provider has been able to argue that the incident preceded the policy. Groupama have of course got behind General Legal Protection - both of which presenting a distorted interpretations of contractual terms in order to solidify their position. Our counter argument that we were NEVER afforded the opportunity to even inspect the policy has been refuted by 1st Quote who stated in writing that they have no reason to believe that it was never sent to us. A Data Subject Access request resulted in our being able to see that the very person from 1st Quote stating this had 2 days earlier rang General Legal Protection to inform them that we had not been sent a policy! There is more but I won't go on. Please if you are customer of 1st Quote could you check you policy and let me know whether they have added the legal protection at an extra £1 a month but not sent you a policy. If you have managed to access a functioning policy in order to make a claim, was the provider, General Legal Protection, helpful? Please alert all of your family and friends and reply if their experience same. I really do want to hold this company accountable but of course any information provided will be kept confidential. Thanks in advance to all. PS Gave 1 star rating as unable to post with none - which would have been my preference!
Now there's a funny thing to call your insurance broking company. What are always told never to accept - your First Quote. Still, we did accept their quote for motor insurance. Myself and my soon-to-be wife are 24 and 23,have one-years no claims, a P-reg escort, live in Perivale in London and have no off-street parking. To the motor insurance trade we may as well just be leaving the keys sellotaped to the bonnet, judging by the premiums we've been quoted. Has anyone ever found a good and cheap London Motor insurance company? Now sadly, to First Quote, the old addage applies: GOOD - CHEAP - FAST: PICK ANY TWO. Funnily enough, this seems to apply to any service you can think of, (with a couple of exceptions to a handful of really good companies). Basically, if they're cheap and fast, they're not good, if they're good and fast, they're not cheap, you see how it goes. I returned to my car a few months ago to find that it had been hit whilst parked. Thankfully the driver had left his insurance details (how many people would have done that given the repair bill of around £750 to my car?). We phoned first quote to get help and advice about what to do. They immediately actioned a claim procedure, warned us about our no-claims bonus, and got completely the wrong end of the stick. And then nothing happened. That's right, everything went quiet. So I decided (possibly rather stupidly with hindsight) to sort it out myself, which I did, and I now have a repaired car. Unfortunately, however many times we explained the situation to first quote, they could not understand the fact that there was no more claim - the car was now fine - "but its been in an accident, sir!" Yes, but its been repaired, because you were to slow in dealing with it all. Thankfully the matter is (I'm told) now closed, but not after a lot of faffing about. So there you are. They're cheap and good, unt il it comes to making a claim, when they're service shot downhill. Again, remember that I am just one customer, and my situation was fairly unique, so don't let me totally put you off. Just be warned.
Back in may I passed my motorbike licence and bought a motorbike and got insurance through 1st Quote. Now, I have got a bit of a history driving. I was convicted of drink driving and was banned for 9 months (never done it since, and never will). A previous company (cannot remember the name) quoted £2500 pounds after originally quoting £750 fully comprehensive. So I forgot them. I phoned round a few companies and 1st quote came up with the best one at £590 third party which was a lot better than £2500. 1st point: It took about 4 weeks for the insurance certificate to come through. 2nd point: recently someone reversed into my motorbike and knocked it over. I first approached 1st quote to report the incident who told me to phone Motorbike insurance policies. I did this and gave all the details to them and they informed me that they were refering the case to Crusader, a third part company that would contact me and then pass the details on to Drive Assist, yet another company. 1 week after the incident I had not got anywhere and drive assist told me that they could not help me as I had a drink driving offence. In the end I ended up contacting the 3rd party's insurance company and sorting it out by myself. Is this the price you pay for having 3rd party insurance?
I tested 1stquote by looking for new motor insurance. The site says it has quotes from 30 insurers providers, so I thought it should come up with a reasonable deal. It's easy to use - you just chose from the options available, and it seems to include a fairly comprehensive selection of car makes and models. You need to have information to hand about your no claims period, dates of any previous claims, etc. The quote comes through pretty quickly - less than a minute for me. It isn't as cheap as it leads you to believe, though. I was given a quote of £335. Then I rang my current insurer, Direct Line, and got a renewal quote of £240! No need to tell you which I've gone for. 1st quote is OK as a rough indication, but don't believe it's giving you the cheapest deal possible.