Plan Insurance Brokers vélemények

Following the recent renewal of your insurance policy, may we thank you for your continued support of Plan Insurance Brokers. I have taken the time to investigate your feedback and having reviewed the policy, I can confirm the following. On 19/11/15 we had a conversation with your partner regarding the renewal quotation. This had not been received and was emailed across. On 23/11/15 we spoke with your partner again. The renewal quotation was discussed in greater length. In particular one of the claims that occurred prior to last year’s renewal. The renewal agent obtained a claim update, contacted your partner and explained that it is was still open. The claim is likely to settle 50/50 and there is a pending injury claim which has been submitted by the third party. Our account details were then exchanged and the payment for your renewal was received later that day. I am sorry to hear that you are dissatisfied with the way your renewal was handled, but I can find no evidence that we have failed to call you back. If you would like to discuss the matter further then please feel free to contact me at the office. Harry McLoughlin Renewals Team Leader

Thank you for renewing your policy with us and for leaving feedback regarding our service and the product. We take all feedback seriously and considering yours are of a negative nature, I have taken the time to investigate them further. In respect of the renewal premium offered at invitation, I do agree that there was very little reduction on last year. From your point of view you have earned a further year no claims discount and would have expected a greater discount. However, what you may not have considered is that the rate of insurance premium tax (imposed on all insurance premiums by the government) has increased this year to 9.5%. This is a 3.5% increase since you renewed your policy in 2014. If these terms had not been imposed by the government then you would have seen a further £70 reduction on your renewal invitation. I would always recommend that our client’s check that our insurance premiums are competitive and in consecutive years you have now managed to find cheaper quotations. On both occasions your insurer have agreed to compete with these rates as they deem your risk extremely appealing and they did not wish to lose your business. They felt that their original quotations were competitive on both occasions but like any company, they do not get everything right and there was room for flexibility on your risk. We do agree that you are not operating as the average ‘taxi’ driver, which is why we class your policy and vehicle within the chauffeur industry. The average taxi risk on 2 years no claims discount would be paying £1500-£1600. Your insurer are looking for good Chauffeur business and this is why you are paying considerably less than these figures. It is really a matter of opinion as to whether or not the policy is good value for money or whether or not the product is overpriced. There are many brokers and insurance companies offering this insurance and we try to get the best deals without sacrificing the quality of the policy when compared to other providers. If your policy remains claim free and there are no changes to the market, then I would expect you to be paying minimum premium once you’re at the maximum 5 years no claims discount. As an insurance broker we can only offer the best rate available with the insurers on our panel. We are however actively looking to add new schemes and insurers to our portfolio, so hopefully our customers will have a greater choice of premiums and benefits in the near future. I wish you all the best for this year and if you have any further queries then please do not hesitate to contact the office. Daniel Bryant Renewals Manager

Following renewal of your insurance policy may I thank you for your feedback. I am sorry to hear that you have experienced issues with the renewal. I have taken the time to review the policy and phone calls and I feel that I am now in possession of all of the information required to formulate a response. On 20/10/2015 my colleague tried to contact you by phone and left a message. Her intentions were to discuss the upcoming renewal and in particular your requirements for the forthcoming year. On 16/11/2015 a renewal quotation was released in the post. On 26/11/2015 we called your mobile number, left a message and sent you a text. A letter was also sent to confirm that the renewal was upcoming and we were yet to receive a reply. On 30/11/2015 you contacted the office to explain that you had not received the renewal quotation and the figure was confirmed to you over the phone. We were unable to contact you on 02/12/2015 and sent a further text reminder. On 03/12/2015 (your renewal date) you confirmed that you had received a cheaper quotation. We were able to match this rate and you arranged a payment in full to renew the cover. With this insurer no claims discount protection is not available, so you are correct, it would have required us offering quotations with other insurers. Firstly we had already offered our cheapest rate, so the other companies would have been more expensive and furthermore there would be a charge for adding the protection, which would have inflated the premium further. I have calculated that the best rate available on these terms is £870.29. This is £210 more than the quotation you have incepted. It is clear that you did not receive the renewal quotation in writing and I am afraid I cannot explain why this has happened but can assure you we send everything in writing days before we start to make phone calls. I wish you the best of luck for 2016 and hope that you have a happy and prosperous Christmas. Daniel Bryant Renewals Manager