just about to change insurance E*L been good but can any one be a better deal ? any one have ideas.
any others
- Thread starter forestgump
- Start date
Have you ever read the E&L exclusions as if so you might look elsewhere whatever the cost. The first exclusion excludes claims arising out of the use of the heater or so it seemsto me!
Sadly we know from experience that one of the Insurance companies named or alluded in the previous posts takes a very dim view of even being mentioned in this forum. Please be aware of this and do not be suprised if some or all of the posts are removed by Haymarket.
Draw your own conclusions.
Draw your own conclusions.
Prof John L said:
It's a very sad day when an insurance professional cannot even quote an Insurers exclusion.
But John you are correct the lot mentioned don't like any adverse comments and have made this known to Lord Hezza.
Personally I have always stuck with CC for both car and van
and caravan. Their rates are reasonable and the cover very wide compared to some we cannot mention.
had a quote from diamond lifeinsure, halfed my present price seems to good to be true any one know off these it is a caravan insurance, hope it is before i part with my dosh,
I do not know this firm. I believe in buying the best rather than trying to save on insurance. I would go with either of the clubs regardless of cost or if you are not a member try NFU Mutual as they have an excellent reputation. Despite advice from people who should know better, saving a few popunds on premiums is not advisable in most cases. If people say they buy the cheapest insurance ask them if they bought the cheapest car or caravan, if they did not then you have to wonder why they apply a different policy on insurance, as at the end of the day you tend to get what you pay for, although as with everything there are bargains out there.
A lot of what you say holds true but like everything there are exceptions both ways and buying the deerest insurances does not mean you are getting the best or even a like for like,,,,,,,,,Alas these days its almost a days work to make proper comparisons of what you want and what you are offered......Raywood said:
forest gump said:
On this site reviews are not favourable. http://www.reviewcentre.com/reviews11387.html Reading through the reviews a lot of unhappy people.
You have to be very circumspect when looking at web forums, especially when they are set up to encourage people to comment about services they have received.
It human nature to be reluctant to comment about a service unless something extraordinary has happened. So if you simply go by what you read in these comment forums, you will see the extremes of experiences. In most cases it will be less than 10% of customers who feel moved to comment.
That means that probably well in excess of 80% of customers are satisfied with the services they have received. (and I know the figures don't add up to 100% yet) There will be a group of customers who may be well satisfied or those who are a little miffed but don't feel its worth commenting and this is the grey area of about 10 to 15%
In general the good comments will be swamped by poor comments, but even then, you cant take all the comments at face value.
There will be some customers who feel they have been treated unfairly, but if you can dig into the details, it turns out that their case is not justified, because they have either misunderstood what service/product was, or they may have a vendetta campaign against the provider.
I'm not claiming companies are whiter than white, sadly some are not, and they do try to evade their responsibilities to customers, but it's very difficult to sort the truth from the lies when your information is only sourced from 'complaints' web sites.
Specifically with Insurance, it is a very aggressive market and I personally feel that enticement to move to new companies should be outlawed. When you are quoted it should be a genuine sustainable quote, and not slimmed down by removing admin and other unavoidable costs and charges.
This slimming process seems to be coming common practice with so many services, it prevents the consumer from making properly evaluated comparisons. The one that always used to rile me, was postal film processing where you could only access them through the post, but postal charges varied so much so they could make the price per print look better.
Similar practices are rife now across a wide range of service providers, Airlines, Energy, Broadband, mobile phones, entertainment packages, i'm sure you can add some of your own experiences.
How ever back to the Thread, Don't base any decision to go with a provider simply on the negative comments on forums.
It human nature to be reluctant to comment about a service unless something extraordinary has happened. So if you simply go by what you read in these comment forums, you will see the extremes of experiences. In most cases it will be less than 10% of customers who feel moved to comment.
That means that probably well in excess of 80% of customers are satisfied with the services they have received. (and I know the figures don't add up to 100% yet) There will be a group of customers who may be well satisfied or those who are a little miffed but don't feel its worth commenting and this is the grey area of about 10 to 15%
In general the good comments will be swamped by poor comments, but even then, you cant take all the comments at face value.
There will be some customers who feel they have been treated unfairly, but if you can dig into the details, it turns out that their case is not justified, because they have either misunderstood what service/product was, or they may have a vendetta campaign against the provider.
I'm not claiming companies are whiter than white, sadly some are not, and they do try to evade their responsibilities to customers, but it's very difficult to sort the truth from the lies when your information is only sourced from 'complaints' web sites.
Specifically with Insurance, it is a very aggressive market and I personally feel that enticement to move to new companies should be outlawed. When you are quoted it should be a genuine sustainable quote, and not slimmed down by removing admin and other unavoidable costs and charges.
This slimming process seems to be coming common practice with so many services, it prevents the consumer from making properly evaluated comparisons. The one that always used to rile me, was postal film processing where you could only access them through the post, but postal charges varied so much so they could make the price per print look better.
Similar practices are rife now across a wide range of service providers, Airlines, Energy, Broadband, mobile phones, entertainment packages, i'm sure you can add some of your own experiences.
How ever back to the Thread, Don't base any decision to go with a provider simply on the negative comments on forums.
Complaint websites? well where would we all be without them? there is no piont Prof coming up with foundless statistics to try to explain percentages of satisfied customers or not is there? its all guesswork. But complaint sites at least alert one to the possibility of a problem be it insurance or a products performance or lack of it..I mean personelly i cannot complain about the service i have had where insurance is concerned for decades,solely because i never needed to call on their services as i suppose is the case of many on here.So complaint websites are usefull as you deal with those that have called upon a service and found it wanting in their opinions....Of course if you are able to delve deeper some complaints could be said to be foundless but then again maybe some of the good comments one comes across could indeed be in ignorance themselves if the customer was ever to realise they should have got this that and the other as well and didnt... percieved customer services and customer service are not the same....Prof John L said:
One is going to be less irrate with the ever so nice Doctor who gets it wrong and therefore drags an aliment out ,than the horrid Doctor with awful bed manors who gets it right immediately and fixes you up in half the time..its all about perceptions
I shall simply repeat my last sentence
"Don't base any decision to go with a provider simply on the negative comments on forums. "
"Don't base any decision to go with a provider simply on the negative comments on forums. "
which is about 5% of what you originally wrote and is indeed actually excellent advice.....Prof John L said:
I agree that you do have to take a balanced view on these websites. At the same time if a small company is consistantly criticised then you have to take notice.
Parksy
Moderator
Haven't heard from Lord Hezza for ages DD.Dustydog said:
Deciding on an insurance policy can be a minefield, and many comparison websites are harvesting your details to sell on which means that if you use them you can expect a lot of spam emails and cold call telephone calls if you provide your correct details when using these comparison websites.
The best caravan insurance policies in terms of clauses are the Caravan Club and Camping and Caravanning Club. Both provide straigtforward plain English details of their policies with no nasty surprises and although they are not the cheapest all other caravan insurance policies should be compared to them when choosing.
Facebook
Twitter