Anyone using Ignition Insurance?

yas212

next down the list.. right choice insurance. This isn't going too well.

yas212

Quentin wrote: »

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!!)

So update, checked with aviva and they quoted me £2 less than ignition! for some strange reason the quote was lower when I declared one claim than zero claims. I don't get how their quote generators work at all.

pension_seeker

Through a comparison site my 25 year old son decided to go with Ignition Insurance which provided the cheapest quote at £1200. (Points + 2 litre car to factor in). Compulsory excess £100 and he selected £150 voluntary = £250. He initially entered 4 years no claims which was a mistake on his part.
Anyway he had to call them to purchase the policy and was told the excess would actually be £500 because, after checking google maps, they weren't happy with our drive where the car is parked overnight. Also the policy would increase by £350 as he only has 3 and not 4 years no claims. He needed the insurance pretty quick and though he questioned the excess and no claims figures he wasn't able to get a definitive explanation. He still went ahead an purchased the policy, this was 6 days ago. Since then I have contacted the company and asked what the problem is with my drive. The advisor said it was because it appeared we didn't have a dropped kerb. I confirmed that it had but was told as the policy had already been purchased they would not amend the excess under any circumstances but said I could send them photographic evidence if I wanted!! Oh and she also said my son might be considered a young driver (not according to their small print). My son doesn't want to cancel the policy and hopefully won't have a reason to pay the excess during the next 12 months but something seems wrong. Any suggestions?

dacouch

How old is your son?

pension_seeker

He's 25. Their policy states 17-24 is classed as young driver. Nor is he inexperienced, been driving 5 years.

Car_54

pension_seeker wrote: »

Through a comparison site my 25 year old son decided to go with Ignition Insurance which provided the cheapest quote at £1200. (Points + 2 litre car to factor in). Compulsory excess £100 and he selected £150 voluntary = £250. He initially entered 4 years no claims which was a mistake on his part.
Anyway he had to call them to purchase the policy and was told the excess would actually be £500 because, after checking google maps, they weren't happy with our drive where the car is parked overnight. Also the policy would increase by £350 as he only has 3 and not 4 years no claims. He needed the insurance pretty quick and though he questioned the excess and no claims figures he wasn't able to get a definitive explanation. He still went ahead an purchased the policy, this was 6 days ago. Since then I have contacted the company and asked what the problem is with my drive. The advisor said it was because it appeared we didn't have a dropped kerb. I confirmed that it had but was told as the policy had already been purchased they would not amend the excess under any circumstances but said I could send them photographic evidence if I wanted!! Oh and she also said my son might be considered a young driver (not according to their small print). My son doesn't want to cancel the policy and hopefully won't have a reason to pay the excess during the next 12 months but something seems wrong. Any suggestions?

Had your son given his permission for the company to discuss his policy with you?

dacouch

They're telling you they can't amend the policy as in effect they probably cannot make those changes due to IT. Although the Insurer could most probably amend their records to reflect the correct situation

However you are able to make an "Official Complaint" that they are duty bound to properly investigate and report back to you within eight weeks.

If you are not happy with their response, you then have the opportunity to take the matter to the Ombudsman.

The Omnbudsman has the power to put you back in the financial position your son would have been had they not made a mistake.

If the matter goes to the Ombudsman it's likely the FOS will charge them circa £500 whether they lose or win (You pay nothing) and they will also have a mountain of paperwork to complete. This may focus their mind on how they respond to your complaint.

The complaint needs to be from your son, keep it concise, polite and clearly identify what resolution you want.

I would include at the end of the letter that you will be refering the matter to the Ombudsman if you're not satisified with their response

pension_seeker

Yes they have me down as an alternative contact. I'm also the additional driver.

peter12345678910

Ignition don't sound that good on the review site, but one call has the best reviews on their review site though....well, these reviews sound fake:

http://www.reviewcentre.com/reviews109302.html

And kwik fit car insurance number 2, that can't be right.

dacouch

peter12345678910 wrote: »

Ignition don't sound that good on the review site, but one call has the best reviews on their review site though....well, these reviews sound fake:

http://www.reviewcentre.com/reviews109302.html

And kwik fit car insurance number 2, that can't be right.

When you understand how the review sites work it makes sense.

Some companies automatically send an email to anyone who BUYS which asks them to leave a review.

As the majority of people who purchased cover with company A saved money they tend to leave a glowing review.

The reviews that are not 4 or 5 tend to be from people who have actually made a claim.

If you also throw into the mix that review sites offer a paid service to companies to "Manage" their reviews. This gives the company an easier way to have bad reviews removed. This can include the review site automatically requesting proof from a bad reviewer that they made a purchase from company A. The hassle of doing this can put many reviewers off sending the information in.

Whenever I see review sites I've learnt to read between the lines