Direct crooks not direct line!

raskazz

mikey72 wrote: »

As your post doesn't answer the op at all, it would appear the days of the broker adding value are now gone, and that is why the customer is choosing to spend elsewhere.

I'm not a broker. My post was giving the OP advice - better advice than some in this thread. The advice being that that as a mid- or high-net worth customer he or she could purchase vastly superior cover with a thorough risk assessment at a minimal extra premium to the one originally quoted by Direct Line.

Hiscox and Chubb policies - which are by far and away the most superior motor and household products on the market, as recognised by consumers and brokers alike - are only available through brokers (and I'm not talking the pile 'em high sell 'em cheap brokers like Swintons here). So I'd say the value added by going through a broker can be quite considerable..

real1314

Downwithdirectline wrote: »

Update!!!!!!

Spoke to direct line today and they said that they cannot honour their quote because the !!!! Who quoted me made a mistake.

So what's that got to do with me????

Anyway, i told her i'm going to go till the end with them via the financial ombudsman but she didn't give a monkeys. She categorically said that there is nothing they can do and will await a letter from the ombudsman.

Sounds to me like it's a genuine "mistake". On that basis they can offer you the chance to pay the approriate rate or to have your policy cancelled and arrange other insurance.

I'd also suspect that you were quite aware that the quote was a bit too low - "I thought £1,600 at the time was reasonable for such a car";
Let's face facts, if you could get a similar price off another insurer you'd just let DL cancel and switch to another provider.

On this basis, they can cancel the policy. The most you might get the Ombudsman to get you is any potential extra you might have to pay for any new policy above what that policy might have been at the time you took the policy with DL. :cool:

mikey72

raskazz wrote: »

I'm not a broker. My post was giving the OP advice - better advice than some in this thread. The advice being that that as a mid- or high-net worth customer he or she could purchase vastly superior cover with a thorough risk assessment at a minimal extra premium to the one quoted by Direct Line.

Hiscox and Chubb policies - which are by far and away the most superior motor and household products on the market, as recognised by consumers and broker alike - are only available through brokers (and I'm not talking the pile 'em high sell 'em cheap brokers like Swintons here). So I'd say the value added by going through a broker can be quite considerable..

You must be gutted.
"Hiscox Insurance

Quote & buy online"

raskazz

mikey72 wrote: »

You must be gutted.
"Hiscox Insurance

Quote & buy online"

I'm not really gutted because I was referring to - or was intending to refer to - motor insurance there which cannot be purchased from Hiscox direct. Perhaps I should have made it clearer.

http://www.hiscox.co.uk/personal-and-home/high-value-motor-insurance/

I know you love disagreeing with my every post but perhaps you should maybe get out a bit more?? The fundamental point - if you could overcome the pedantry for a few precious moments - is that brokers can add a lot of value if you go to the right ones. If the OP had gone to the right broker then he or she would not find himself facing the aggravation that he or she is currently experiencing... and would probably have better cover to boot.

lisyloo

Anyway, i told her i'm going to go till the end with them via the financial ombudsman but she didn't give a monkeys. She categorically said that there is nothing they can do and will await a letter from the ombudsman.

Companies do not have to honour mistakes.
Providing they give you the appropriate notice I think they are within their rights to put it up.

Hiscox and Chubb policies - which are by far and away the most superior motor and household products on the market, as recognised by consumers and brokers alike - are only available through brokers

Raskazz - I've had my house insurance with Hiscox bought direct since August 2009.
http://www.hiscox.co.uk/personal-and-home/home-insurance/
You get a 10% discount in the first year for buying on-line.

EDIT : sorry just read your prsvious post (but you did mention household products).

Downwithdirectline

raskazz wrote: »

I'm not a broker. My post was giving the OP advice - better advice than some in this thread. The advice being that that as a mid- or high-net worth customer he or she could purchase vastly superior cover with a thorough risk assessment at a minimal extra premium to the one originally quoted by Direct Line.

Hiscox and Chubb policies - which are by far and away the most superior motor and household products on the market, as recognised by consumers and brokers alike - are only available through brokers (and I'm not talking the pile 'em high sell 'em cheap brokers like Swintons here). So I'd say the value added by going through a broker can be quite considerable..

You're absolutely right Raskazz.....I will be going to DISTINCT - A special policy for High Value Cars with Aviva.

Ian_W

Downwithdirectline wrote: »

A special policy for High Value Cars with Aviva.

Good luck then!

cazzmal

We use Mercedes Insurance for our cars. I think £850 ish for a SL55AMG is very reasonable.

Downwithdirectline

update: got a letter from DL because the Ombudsman wrote to them. DL are investigating and have 8 weeks to get back to me.

---lee---

This sort of thing does happen. I got a quote over the phone of Liverpool Victoria about 5 years ago. After shopping around for a few days they were the cheapest for fully comp and most importantly, they were prepared to insure on chassis number until I had the car registered (it was an import).

I called up a couple of days later to convert. When they confirmed the model details, they were incorrect and I was told they could not insure me. At first they tried to tell me that I had given the wrong details but when they listened back to the tapes, they confirmed the mistake was theirs. They told me it was not a question of price but that the underwriters could not insure the car so there was nothing they could do. I chose not to complain further but to go else where for my insurance.

I have no doubt that in these days of tight margins, if a dodgy insurer discovered retrospectivly that they had made a mistake they would try to recover the money.