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Possible fraud committed by top insurance company?
DadExtraordinaire
Posts: 3 Newbie
Hello,
I would like some advice please.
My partner followed the steps on this great site in obtaining cheap car insurance via a popular comparison site. She chose the insurer she is currently with as the price difference was not vastly different from the cheapest (by a firm she did not recognise).
She proceeded to try and pay via the website of the well known insurer but it would not accept the quote reference from the comparison website. So, she rang the insurer tonight to pay over the phone.
The insurance salesrep went through the quotation and all was ok until the salesrep stated the price which was £20 more than was quoted on the comparison website. The salesrep said this was because the box was ticked on the comparison website stating access to another car, which was untrue. So my partner checked and lo and behold the box had NOT been ticked.
My partner rang the insurer back and she stated the problem. My partner asked if she could be put through to a supervisor - she was put through from a UK call centre to another one (in the UK or India she is unsure but the person who answered sounded Indian) and they said they do not have the information to act upon it and that my partner should have been put through to the original department that she had contacted. My partner gave up frustrated and trying to find someone who would take ownership of this problem.
So, I am unsure how to proceed. I was comtemplating contacting the insurer tomorrow to complain, but to whom? I think this shocking and I would suspect fraud as it was devious means of the salesrep to obtain extra money by deception and I consider this was not an oversight or misjudgement but deliberate.
Your advice would be greatly appreciated.
Many thanks.
I would like some advice please.
My partner followed the steps on this great site in obtaining cheap car insurance via a popular comparison site. She chose the insurer she is currently with as the price difference was not vastly different from the cheapest (by a firm she did not recognise).
She proceeded to try and pay via the website of the well known insurer but it would not accept the quote reference from the comparison website. So, she rang the insurer tonight to pay over the phone.
The insurance salesrep went through the quotation and all was ok until the salesrep stated the price which was £20 more than was quoted on the comparison website. The salesrep said this was because the box was ticked on the comparison website stating access to another car, which was untrue. So my partner checked and lo and behold the box had NOT been ticked.
My partner rang the insurer back and she stated the problem. My partner asked if she could be put through to a supervisor - she was put through from a UK call centre to another one (in the UK or India she is unsure but the person who answered sounded Indian) and they said they do not have the information to act upon it and that my partner should have been put through to the original department that she had contacted. My partner gave up frustrated and trying to find someone who would take ownership of this problem.
So, I am unsure how to proceed. I was comtemplating contacting the insurer tomorrow to complain, but to whom? I think this shocking and I would suspect fraud as it was devious means of the salesrep to obtain extra money by deception and I consider this was not an oversight or misjudgement but deliberate.
Your advice would be greatly appreciated.
Many thanks.
0
Comments
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It is common that comparison sites do not pull all the correct data across to the insurer's site. That's why most insurers have a warning when you are transferred to their own site that you must check all the data that they have captured is correct.
Meanwhile, I think this thread is currently frontrunner for the most over the top title of 2012!0 -
Stop being a drama queen.
Once you were transferred from the comparison site to the insurers site did you go through all the info to make sure it was correct. I'm willing to bet not so look closer to home if you want someone to blame.0 -
Just take a screenshot and sent it in with a complaint letter to the insurer. Common sense might prevail. It did for me in 2011, thankfully (Or I might have won the thread title thing...:P)0
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It is common that comparison sites do not pull all the correct data across to the insurer's site. That's why most insurers have a warning when you are transferred to their own site that you must check all the data that they have captured is correct.
Meanwhile, I think this thread is currently frontrunner for the most over the top title of 2012!
It's so common that the FSA have looked at it, and advised the insurers and comparison sites that they are responsible for the data taken over, not the customer
http://www.fsa.gov.uk/pages/consumerinformation/product_news/insurance/price_comparison/index.shtml
It's worth reporting the site, and insurer to the FSA to log the problem, so it can be addressed correctly, and as the FSA advise on that link, report it to FOS as well, and no one else will be caught out.0 -
The obvious thing to do is go back to the comparison site to ensure what you put in, go through to the insurer website and check that the flag is or isnt checked. If there is a discrepancy then register a complaint with both the insurer and the aggregator.
Irrespective of anything else, it is always sensible to check the data, read the assumptions and terms and conditions etc on the insurers site after going through the aggregator.0 -
Best paranoia/over-analysing thread of the year so far0
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I always like to have a look at threads with "fraud", "scam" or similar in the title, 9 times out of 10 they give me a good laugh, and this is one of the 9!0
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Wouldn't you just do a new quote on the insurer's own site in these circumstances? Then you could ensure all the details are correct and the premium matches what you were expecting?
TBH if I use a comparison site, I tend to scuttle off to Quidco and TCB to see if I can get it cheaper anyway - clearing cookies and changing browsers first, of course.
I am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Some insurers have different products and/or pricing via aggregators than direct0
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Ok. Thanks kindly.InsideInsurance wrote: »Some insurers have different products and/or pricing via aggregators than directI am a mortgage broker. You should note that this site doesn't check my status as a Mortgage Adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice. Please do not send PMs asking for one-to-one-advice, or representation.0
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