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  • FIRST POST
    dont_insure_with_rcib
    Car insurance - Avoid insuring with RCIB - Right Choice Insurance Brokers
    • #1
    • 10th Mar 10, 8:07 PM
    Car insurance - Avoid insuring with RCIB - Right Choice Insurance Brokers 10th Mar 10 at 8:07 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, 12:32 PM
    • 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, 1:09 PM
    • 2,113 Posts
    • 3,596 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, 3:41 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, 4:50 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, 5:50 PM
    • 37,988 Posts
    • 22,099 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, 11:23 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, 5:44 PM
    • 34 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
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