People --- BE AWARE OF RSA E CHOICE...

eveshamsteve

Bonniecg wrote: »

Dissapointed RSA E Choice Customer

Surely you mean, ANOTHER disappointed customer!

dlake0001

Wish I too had noticed this beforehand. Just took out a policy with these morons. Followed all the directions for paying a £70 deposit and £30ish per month but on checking my bank account an hour later they've actually taken the full premium instead of £70. Emailed them straight away asking for this to be rectified only to be told that this isn't the case, they can find no evidence of the full amount being taken and I should call them straight away on their premium rate number to discuss it.

Emailed again the following day to again ask for the situation to be rectified, this time having the proof (screen grab of bank account) of the full amount having been taken out of my account only to receive the same reply of, "As previously advised we can not see the payment you are stating. We can also not deal with such matters by email therefore if you call the below number we will be happy to help..."

Have today emailed again saying that this is unacceptable, asking where I can email the screen grab of evidence, telling them I will not call their premium rate number and if it is not rectified immediately I shall go straight to the financial ombudsman.

AVOID THIS COMPANY LIKE THE PLAGUE!!!

Matt_123

adamc260 wrote: »

Lets hope you don't have to make a claim then if they can't even process a refund =/

Be very concerned! I have a claim that has been in progress 5 months already through RSA E-choice, from my experience they are worse than useless.

I got a full statement of events, photos and even supporting information from local council and police as the driver that hit me was using a bus lane that is in operation 24 hours a day. I got this document to them 2 days after the incident, I then took them 3 months to simply forward this to the other insurance firm (after lots of false information being told to me every time I called them!). You always need to speak to someone else when you finally get through, who will 'give you a call back', never happened in 5 months!

They now have information from the other insurance firm admitting using the buslane but will not do anything about this road traffic violation because that is not their job, they are just happy to let things drag on and on. I am struggling to even get this evidence out of them so I can yet again do their job for them. There is nothing proactive from RSA E-choice and I have never once felt they try and actually deal with anything for their customers, be very careful all they care about is taking your money in the first place.

All I have got out of E-choice is being added to every claim firm and PPI claims data base, so now it get at least 3 calls a week every week! Thanks E-Choice, it is true you get what you pay for. I could not recommend them to anyone.

dacouch

I must say RSA e choice must really annoy their customers as whenever there's a problem they generally pull up all the threads on RSA echoice and post on them.

Luckily it only happens with this company as imagine how clogged up the forum would be if it happened to Hastings or Aviva...

cwhite4

Having never made a claim in 10+ years, I was naive enough last year to go for the cheapest car insurance provider on comparison sites - RSA echoice.

Last month, another car drove into my lane and damaged my car so I submitted a claim to RSA. Every time I spoke to their Indian answering service, they insisted that I must decide on which team I'd like to speak to. This is especially frustrating as they never keep me updated and I'm having to constantly chase them on various issues of the claim. I also have to chase the police, the repair centre and car hire company myself. Every time there was a delay, RSA claimed the paperwork "must have been sent to More Than... it'll get here eventually"!

Two weeks later, I received a request from their Claims Director to complete a customer satisfaction survey. So I took the opportunity to tell them in no uncertain terms that I thought their service was pants and that, no, I would not recommend them to my friends and family.

I have since not heard from them about the survey - they obviously only do it as a matter of automated email routine.

Yesterday, I received this letter in the post from the Head of Finance Operations:

"We refer to our renewal invitation email of 11 March 2013 in respect of your policy. To date, we have no record of the premium being received.

Please pay this amount by expiry of your policy by logging in to my echoice and completing your renewal online with your credit/debit card details. If you do not do so, your policy will be cancelled on your expiry date and no insurance cover will be in force.

Please note that we are unable to accept American Express and Diners cards.

We look forward to hearing from you.

We look forward to hearing from you. [sic]"

Call me old fashioned but this is not the tone I would expect from a company that wants my custom! I was stunned and fully expected to find threats of calling in the bailiffs somewhere hidden in the letter.

Do not touch RSA with a barge pole - it's simply not worth the grief.

Disgruntled_Driver

My title may seem strong but it reflects my experience with this shambolic waste-of-space company.
I had a small prang in a supermarket car-park. Nothing too bad I was hit in the rear-quarter and the other driver admitted fault at the scene. When I got home I couldn't phone to make a claim straight away as it was out of office hours. RSA e-choice's website was also experiencing 'technical difficulties'.
I had to call the next day from work on my mobile. That and subsequent calls from my phone cost over £25. Later that day I spent 3 hours making a detailed statement and a Google map of the scene and felt I had given all the info I needed to.
Over the next few days I gave more phone calls to RSA e-choice and was asked to make a 2nd statement. A few days later I was told that the third party had 'changed' their mind and liability was being challenged.
6 MONTHS later and lots of expensive calls (plus driving around in a damaged car during winter) I was told the third party had offered a 50/50 settlement which I reluctantly accepted because I just wanted my car fixed and an end to the waiting.
(Please note that RSA e-choice did NOT offer the information on a 50/50 settlement, I had to call them to find out).
By this time my car had been taken away and assessed as a write-off. Funny, I didn't think I had £2000 of damage, but the people that RSA e-choice use think that paint is £500, a bumper is £500, getting a dent out is £500, a light cluster is £500, which we know it isn't so I felt I had no choice to accept RSA's offer of £1650 (minus my excess which I was told would be reduced by 50% because of the 50/50 settlement)
I got a cheque through a few days later for £1200, which is £225 short of what I agreed with e-choice and when I queried this I was told that I had to claim this back through go.compare.com as they are the broker.
I was told I would get a settlement of £1425 and at NO POINT was I informed that I would have to make a further claim for my excess from go.compare.com. If I had known that I would have had to claim half my £450 excess I would have instructed RSA e-choice to give me my car back! (2nd time important information WAS WITH-HELD)
I never would have agreed to this pathetic settlement for my cherished car if I had known I was going to get FAR LESS than my car was worth. Now I have had to borrow a car as I am without one, and because of a clause in RSA's stupid policy I cannot drive any car on my 'comprehensive' insurance but have had to pay an extra £59 to change it on-line. One insult after another and also I am out of pocket. These guys are a disgrace. :mad:

Quentin

You were mislead (or misunderstood the procedure) over your excess.

Your excess isn't covered by your policy (with any insurer, not just this company).

It's always down to the policyholder to reclaim any uninsured losses (including excess) off a liable third party. When liability is agreed at 50/50, then each side can claim 50% of their uninsured losses off the other side's insurer.

You need to pursue the third party insurer to get reimbursed 50% of your excess. Your insurer won't do it for you. Either use any legal expense cover you have or DIY.

emmastevens

I thought I'd log and and say THANK YOU, am researching companies now as insurance is due at end of the month. Got emails from Both money supermarket and confused.com was Rsa e-Choice and quote of £372. As with the cooperative insurance at the moment and their renewal is £888, I thought yes I'll change and even thought about going through quidco and getting cashback of £45, so I went to their website, only to be informed "sorry for the inconvenience" and something about making essential updates .... Anyway thought I'd google some reviews, you know, "if it sounds too good, it's probably dodgy" was like going round and round my head for a week now.
I so will not be buying this now, anyway back to the drawing board and comparison sites for cheap insurance. After 7 years, I seem to be paying what I first paid as a new driver ��������

gavin3171_2

I too have had a really bad experience with this company.

Initial error on the website worried me as i thought the payment would be taken twice, fourtunatly not.

Then on the day my insurance was supposed to be active i still didnt reieceve a policy number or confirmation i was insured. Checking askmid and it flagged that i wasnt insured.

Soni set about trying to contact echoice, i couldnt get through on the phone so i talked online chat with somebody. They couldnt find my payment in the system and my quote reference wasnt a number they had heard of. I had to get a family member to pick up my new car as i didnt have insurance!!!

Two days after trying to contact them and speak to sombody in the know i got hold of a guy that said i was insured and my policy details will arrive in the post in 14 days. I had to force them to email me saying i was covered by their company as askmid showed i still wasnt insured.

10 days later it showed i was insured on askmid so my mind was relieved of all the stress, but still no paperwork?

Just hope i dont have to make a claim as they are incomitent morons!

Just avoid these people!!! AVOID AVOID AVOID! :mad:

yasirj

I wish i would have seen this thread about RSA Echoice. I paid for car insurance but i did not get any reply or confirmation.They took my money but i don't know if i am insured or not.I also emailed them yesterday but no reply yet.
I was diverted to them from Money-supermarket.