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  • FIRST POST
    dont_insure_with_rcib
    Car insurance - Avoid insuring with RCIB - Right Choice Insurance Brokers
    • #1
    • 10th Mar 10, 7:07 PM
    Car insurance - Avoid insuring with RCIB - Right Choice Insurance Brokers 10th Mar 10 at 7:07 PM
    I will like to bring all those people searching for cheap car insurance to the attention of the sharp practices imposed by RCIB - Right Choice Insurance Brokers.

    My Experience today Wednesday 10/03/2010:
    After searching numerous price comparison sites for a cheap car insurance quote, I found RCIB to be the cheapest on both confused.com and gocompare so went on to buy car insurance from them online.

    The price quoted on both sites was approx £960 and this was the amount I paid for when completing payment online. However once payment complete I got a call from RCIB to confirm the details I entered to get that quote. I was extremely shocked to hear the sales rep state that I had been quoted wrongly and the actual price for insuring with them is approx £1333 (38% increase). Hearing that I asked if he could refund the amount I paid (so i can get insured elsewhere) however his reply was that I would incur an administration fee for a refund even though they (RCIB) themselves were responsible for providing me with an incorrect quotation. Having argued my point for a full refund with the sales rep (at this point i started recording the phone call, contact me for a listen) I was put on hold for over half an hour then to be told the sales manager would be in contact with me in 10 minutes. I did get this call at 4.55pm and just as i was about to explain the whole scenario I was told by this man that he finishes work at 5pm so I would have to email him the details of the issue and he will respond tomorrow.

    That was my experience of Right Choice Insurance Brokers (RCIB) so let this be a warning to you all and I wish no one to ever go through the same. I am now left not knowing whether my car is insured, out of pocket and having to hitch a ride home leaving my car in the work car park (in order to avoid 6 points which is the penalty for driving without insurance)

    I will persue RCIB tomorrow and let you guys know the outcome of my issue.

    Please do post any suggestions as to how I could resolve this issue and get a full refund or get RCIB to honour their initial quote for car insurance. Also would be interesting to know your experiences with this insurer.

    Many thanks
Page 6
    • Zelda007
    • By Zelda007 18th Apr 18, 11:32 AM
    • 1 Posts
    • 0 Thanks
    Zelda007
    This company are nothing but immoral swindling criminals. There is no goodwill to customers. They use every change in circumstances eg. Change of address to greedily charge customers a ridiculous amount of so called administration fees. My son has been charges £180 three times in the last couple of months for moving house, changing his car ( he thought he was upgrading from his banger and unfortunately bought a car that now needs a new gear box). He is now going to the Financial Ombudsman to complain, £180for tapping a bit of info into a computer is disgraceful. I'm so angry at this company I could take their throats out.
    • rudekid48
    • By rudekid48 18th Apr 18, 12:09 PM
    • 2,149 Posts
    • 3,639 Thanks
    rudekid48
    This company are nothing but immoral swindling criminals. There is no goodwill to customers. They use every change in circumstances eg. Change of address to greedily charge customers a ridiculous amount of so called administration fees. My son has been charges £180 three times in the last couple of months for moving house, changing his car ( he thought he was upgrading from his banger and unfortunately bought a car that now needs a new gear box). He is now going to the Financial Ombudsman to complain, £180for tapping a bit of info into a computer is disgraceful. I'm so angry at this company I could take their throats out.
    Originally posted by Zelda007
    Based on that last sentence, you may need some help..
    All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.
    • DeeDee35
    • By DeeDee35 1st Jun 18, 2:41 PM
    • 1 Posts
    • 0 Thanks
    DeeDee35
    There is nothing wrong with her. They tried to charge me £440 for a tiny mistake. Hope it happens to you and see how you feel to be violated
    • Honestg
    • By Honestg 8th Aug 18, 3:50 PM
    • 1 Posts
    • 0 Thanks
    Honestg
    The bad reviews below are about RCIB are all absolutely true having read reviews for the first time it seems a lot of people are having the same problems. (car insurance)
    Surprise Charges Coming Out of No Where ! Have just got off the phone with them after a few choice words I said I would pay but I want the request and explanation for payment in writing as you could be absolutely anyone on the phone ! as yet no email or return call.
    Request for documents ! Emailed to so called customer care as soon as requested, but continued to get requests from customer care for about a month during that month emailed documents about 10 times !
    Customer care ! tried to phone about 15 times during the above month on hold for at least 15 mins with out getting through each time !
    They waited until my cancellation period was over before requesting an extra payment of £75 for a no claims overlap, what ever that is as I have never claimed, and still have not seen terms and conditions.
    They need to be removed from confused.com etc, I wish I could cancel my policy but they have basically said it would cost me nearly the whole quote, god only knows how you would put a claim in if you were unfortunate enough to need to , you just would never be able to get through to anybody !!! Please do not use RCIB !!!
    • Quentin
    • By Quentin 8th Aug 18, 4:50 PM
    • 40,488 Posts
    • 24,534 Thanks
    Quentin
    This sounds like your no claim bonus was in use on another policy when you took out the current one


    If that is not the explanation, and you have always only had one policy in force using your NCB then make a formal complaint over this extra payment. (If the reply is unsatisfactory or they ignore you for 8 weeks then you can escalate this to the FOS for their adjudication)
    • EmmaE88
    • By EmmaE88 9th Aug 18, 10:23 AM
    • 1 Posts
    • 1 Thanks
    EmmaE88
    Never usually post stuff like this

    But just a warning, donít EVER, EVER get any form of insurance out with RCIB Insurance (Right Car Insurance Brokers) honest to god they are the biggest pain Iíve ever had the displeasure of having contact with, theyíve caused me so much stress for car insurance they didnít even give me!

    I usually do my research into car insurance, but on Sunday my partner had been taken to hospital, and my policy was running out that day so just wanted to quickly get insured, and in 10 years Iíve never had any stress with insuring online, so I clicked on the cheapest quote, but that led to the biggest headache because they donít give you a policy straight away- you have to wait for someone to contact you, which nobody did- so it taken 5 days, 14 phonecalls to cancel a potential policy with them, Iíve been stuck with no insurance since Sunday but with them holding hundreds of £££ of my money.

    I sat and researched them while waiting desperately to get through to someone - after being on hold for hours, and their reviews are horrendous.

    Ive finally got through today and made it clear I want no dealings with them but Itís still going to take days for my money (for a policy they didnít even give me!) to be released from them but
    I was lucky, because I hadnít had my quote confirmed I could cancel before it progressed and they started making charges, but if Iíd if Iíd have accepted their cheap quote over the phone then I would have ended up stung for hundreds more than the original quote.

    They are a disgrace.

    I couldnít bear anyone else having the stress of this, thatís why Iím sharing.

    Donít go with RCIB even if itís the cheapest initially- you will regret it!
    • Marco Brandon
    • By Marco Brandon 20th Aug 18, 4:44 PM
    • 36 Posts
    • 8 Thanks
    Marco Brandon
    Thank you for the heads up!
    Just to say thank you for all the comments on this forum. RCIB offered a whopping £500 quote to insure my E Class, whereas the cheapest other alternative was £700 by eSure (which I know has been around for a while and is more trusted).

    Like everything in life, if it sounds too good to be true it probably is!

    I did read the notes on their website, which said something about pre-authorisation to be taken from my card, but that I won't be covered until I receive a call from the company to check my details. I do not understand why this sort of process is necessary. If I would not be covered for insurance right away upon entering my details online,why is a pre-authorisation necessary?? If you need to double check the customer's information first before approving why don't they simply NOT take a pre-authorisation until the customer's details have been completely verified to their satisfaction?

    Based on what others have said on here there is a cancellation charge for the 14 day cooling off period? I am not solid on the rules but I thought the point of the cooling off period was to allow someone to change their mind without incurring unreasonable costs? In any case, the cancellation charges mentioned on this forum appear to be higher than those set out on their T&Cs.

    Not calling this company scammers, but they really need to work on their processes.

    I have decided not to go ahead thanks to the feedback on here, and have opted for a better known company, albeit at a slightly higher cost.



    Regards,

    Marco
    • ash4manchester
    • By ash4manchester 15th Dec 18, 6:26 PM
    • 2 Posts
    • 1 Thanks
    ash4manchester
    I feel like I have been scammed by RCIB, I was lured to pay online with tempting low quote of insurance online and after paying I have learned that i am not covered but trapped by RCIB with an expensive insurance premium.

    I have been charged £20.00 for paying on same day to close brothers (policy finance provider) by RCIB although i am not late on my payment and close brothers stated on the phone call that RCIB has no right to charge even if i am late it is close brothers who impose or cancel any charges this shows RCIB'S one of their utter immoral and unlawful acts. I am not surprised if my insurance gets cancelled after my last payment to avoid giving me No Claims Bonus. The customer service standards can be rated as very poor, had to wait long time, no telephone ethics and customers are treated like criminals.
    • ash4manchester
    • By ash4manchester 15th Dec 18, 6:36 PM
    • 2 Posts
    • 1 Thanks
    ash4manchester
    I urge everyone to bring this scammer to justice, please join me and launch a complaint to FCA, insurancebroker regulatory body, confused.com, etc and stop these scammers from harassing people like us. thank you
    • DCFC79
    • By DCFC79 15th Dec 18, 6:50 PM
    • 35,080 Posts
    • 22,170 Thanks
    DCFC79
    I urge everyone to bring this scammer to justice, please join me and launch a complaint to FCA, insurancebroker regulatory body, confused.com, etc and stop these scammers from harassing people like us. thank you
    Originally posted by ash4manchester

    How can people sign up for your crusade ?
    Not sure ill sign up for it.


    Get on change.org and get a petition going.

    Have you complained about the issue you have ?
    • Harry0
    • By Harry0 13th Feb 19, 11:10 PM
    • 3 Posts
    • 0 Thanks
    Harry0
    This is an appalling state of affairs and unfortunately my daughter has just taken out insurance with them. They gave her a quote of £1450 which was less than others were quoting, got the insurance documents, then have come back to herafter the 14day cooling off period to say they needed another £490 as her licence was not fully 2years old.. (by 2 weeks) Finding this forum has been sadly very enlightening...
    • njpal
    • By njpal 3rd Apr 19, 1:01 AM
    • 1 Posts
    • 0 Thanks
    njpal
    RCIB No Payout 1 year
    Worst experience of my life. The majority of you have had bad some kind of bad experience with Right Choice. This is minor compared to what I have been through. Yes Put in a claim and you will see what kind of a Scumbag company this is. Yes Right Choice I hope you're reading this because I have had enough of your games and the way you have treated me like ****. Such a bad experience I would not even wish upon my enemy! My brand new car gets stolen (relay theft) from my Driveway in May 2018. Keys returned - settlement figure ~£40k made in August 2018. Since August till now NOTHING. It has been nearly 1 year with no payout. Every time I contact them - "we are waiting for a Police Report. The police unfortunately are known to take their time" Now nearly 1 year on - no replies from them at all. Very scared they may go bankrupt. Anybody with similar atrocities or advice??
    • ebony_suga
    • By ebony_suga 17th Apr 19, 3:05 PM
    • 2 Posts
    • 0 Thanks
    ebony_suga
    Worst Insurers ever
    I have been driving for 10plus years and have never felt so compelled to tell people to stay away from a service that I google and leave a scathing review on every possible platform.

    Terrible, I chose them because they were cheap, but Lord do I regret it. I am finishing university and I was in the last three months of my degree, I had the address of my home on my address but not where the car will be staying. I advised them of this when I bought the insurance over the phone and they were fine. They simply asked for the log book to be scanned over, I thought okay. Never been asked to that before, but I have a scanner at home so why not. The next day they say it's not good enough they want previous insurance details, I find them and email them over. No more than an hour later they call asking me why the addressing don't match and I will need to change my address on my license to be insured or they will cancel my insurance. I explain I'm in uni accommodation and my mothers/my home address is on the license and there is no point in changing which the person was fine with yesterday. The customer rep says it's changed, (within 24hrs mind you). I change my address on my license which takes 3weeks, and then they say my car log book has to be changed to my uni accommodation too! I was fuming, everything they had said was fine was no longer and I was moving within 2months after all the back and forth. A further month down the line, I have changed my log book and license and so far nothing has come back to me, although they have said when I move back to my mothers (in a months time) I should change the address again on both license and logbook, but there might be an admin fee as the month is twice within 6months! Of course, it is - you told me to change everything - idiotic scummy morons!.
    NIGHTMARE COMPANY!! DO NOT GO THERE!!! I shan't ever again!!
    • Rockar82
    • By Rockar82 19th May 19, 2:59 PM
    • 2 Posts
    • 0 Thanks
    Rockar82
    Boy, do I wish I done my homework on this lot before I purchased a car insurance policy with them. Got a quote from a comparison site and thought it would be plain sailing as previous experience I had buying car insurance was, but oh no. Paid the deposit of £160 supposed to be £140 but apparently they take £20 for admin charge, ok fine then the day after I receive an email they need copies of my driving license and proof of address they say I can email this to them which I did, I’ve never been asked for this before though from any other
    company but hey ho, then 2 days later another email this time asking about why I had a gap in my policy (previous car was scrapped) explained it took me some time to buy new car a car I need for the purpose of family use. Ok then they ask for proof of previous NCB sent that now they want to know where my previous car was kept, if it was taxed or SORNED it was taxed until I was told it was knackered round about the time my previous policy was coming to an end sent them proof of sorn and also of my no claims now they’ve served me a 7 day notice of cancellation after I had called them last week and them telling me everything was fine with what they have received, they have since taken their 1st instalment and it was the day later I received the email of intent to cancel I really don’t know what to do here any advice would be helpful.
    • Norman Castle
    • By Norman Castle 19th May 19, 3:32 PM
    • 8,706 Posts
    • 7,567 Thanks
    Norman Castle
    I received the email of intent to cancel I really don’t know what to do here any advice would be helpful.
    What was the reason given for the cancellation?
    Don't harass a hippie. You'll get bad karma.

    Never trust a newbie with a rtb tale.
    • Quentin
    • By Quentin 19th May 19, 3:36 PM
    • 40,488 Posts
    • 24,534 Thanks
    Quentin
    Whenever you are not happy with your insurance company the route to go down is a complaint in line with their complaints procedure

    Then if you are not happy with the reply or they ignore you for 8 weeks you can escalate to the FOS for their adjudication at no cost to you

    Well worth pursuing and trying to get this cancellation reversed

    As you will discover, having a cancelled policy to disclose does make it hard to get cover as most online companies simply refuse to quote
    • Rockar82
    • By Rockar82 19th May 19, 5:18 PM
    • 2 Posts
    • 0 Thanks
    Rockar82
    Non receipt of documents, everything they asked for I sent to them.
    • Cattyg23
    • By Cattyg23 24th Jun 19, 10:18 PM
    • 1 Posts
    • 0 Thanks
    Cattyg23
    Hello! Please HELP! I’ve fallen foul to the awful dealings of this company.
    On the 15th June this company came up the cheapest on confused so went ahead. Paid the deposit all appeared well to start that day. Received a phone call on Wednesday 19th June to state the premium would go up by £250 because of ‘incorrect details’ which I had checked and double checked before confirming.
    My husband said to cancel there response was we owed them additional money on top of the £100 deposit we had already paid for the time ‘on cover’. However technically if our details are incorrect then were we covered?
    It’s been 5 days and we haven’t received any further confirmation with a cover letter/certificate etc or anything listing the new premium only the previous demand for 7 documents which had to be received in 14 days.

    Where do we stand? We don’t want this policy!! Especially not now having read the damning reviews. We are still within the 14 day cooling period but my worry is are we even insured now? Any advice would be gratefully received!
    • Rainbowgirl84
    • By Rainbowgirl84 24th Jun 19, 10:51 PM
    • 1,069 Posts
    • 1,836 Thanks
    Rainbowgirl84
    What are the incorrect details?
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