Anyone using Ignition Insurance?

yas212

Just got two cheap quotes for car insurance up for renewal.
Cheapest was octagon but from a quick search, they sound like a headache, so I've ruled them out. For £10 more, Ignition insurance came up but I can't find much about them and they don't have a website, I think they might be new to the market?

I've had two two crashes this year, on the first one, the third party is saying that I'm at fault and I went into the back of him - even though I have evidence of the back passenger side of his car with the impact (!).. anyway 9 months later that is still not settled so I have to put it down as at fault and no claims discount effected until the settlement comes through. The second one accepted liability but my premium still went up

Anyway, I can't afford a renewal as they want £600 more than this one, so.. if anyone has had any experience with ignition, please share

Quentin

Doesn't look too promising:


http://www.reviewcentre.com/Car-Insurance/Ignition-Select-www-ignitionselect-com-reviews_3353857

LeafGreen

I haven't heard of them, but they are an intermediary by the looks of things. Find out which insurance company they are quoting you with.

yas212

grahamgoo wrote: »

I haven't heard of them, but they are an intermediary by the looks of things. Find out which insurance company they are quoting you with.

Ignition Select is the underwriters

yas212

Quentin wrote: »

Doesn't look too promising:


yeah I saw that but it's only 7 reviews.. and some of them sound like just disgruntled customers. One of them is to complain that their insurance went up because they changed their car but that would happen with any insurer!

Quentin

yas212 wrote: »

Ignition Select is the underwriters

Double check on that.


Looks like they are misleading you

Quentin

yas212 wrote: »

......yeah I saw that but it's only 7 reviews.. and some of them sound like just disgruntled customers. One of them is to complain that their insurance went up because they changed their car but that would happen with any insurer!

Well.....


Their admin fees look mighty high! (eg the higher of £100 or 20% of the policy to eg issue the policy or change the details (ie not including any premium increase):

A compulsory Policy Administration Fee - up to £ 100 or 20% of the policy value, whichever is the greater;


● Duplicate copies of documentation - up to £50


● Amendment to policy details - up to £100


● A cancellation fee -up to £75


● Change of personal details - up to £100 or up to 20% of policy value, whichever is the greater


● Direct Debit arrangement fee - up to £25


● Direct Debit adjustment fee - up to £25


● Credit Card Fee - Up to 5% of the payment being taken


● Late or failed payments - up to £50


● Re-issue of proof of No Claims Bonus letter - Up to £25


● Alternative finance provider fee - £100

yas212

Quentin wrote: »

Double check on that.


Looks like they are misleading you

I've gone though moneysupermarket.. can they just lie about that??
here's what it says:

About Ignition

Your insurance is provided by Ignition, underwritten by Ignition Select.
Ignition only sells its policies over the phone in order to deliver great service and great prices. Every policyholder receives a free lost key recovery service.

yas212

ok so i've just changed my voluntary excess from £200 to 0 and ignition's price didn't change... (!)

forgotmyname

Until you goto pay for it and then you need to phone them to check details and the price suddenly increases.

Alternative finance provider fee £100? What is that about?

Personally i wouldn't even contemplate them unless you know 100% that your details wont change and pray you never need to claim and you cannot get insurance anywhere else.

Quentin

yas212 wrote: »

I've gone though moneysupermarket.. can they just lie about that??
.....

They may have been mislead, rather than lie!


(Apart from the abnormally high admin fees, they say they can ask for photos of the odometer, your recent utility bill, all drivers licences and written proof of security devices etc. If you don't comply within the first 4 days they say they cancel the policy!!)