Plan Insurance Brokers 評論

Sent 08/04/2014 I have been looking into your file regarding the issues and your feedback to our FEEFO site. Initially there were no discussions regarding imports as per your documentation for last year’s policy and in your renewal pack. We arrange a renewal script on all policies prior to inception and also provide our customers with documents both pre and post renewal to ensure there is no confusion with the cover they are incepting and the basis of the quotation. With regards to previous years, without the details of the vehicles it is hard to comment but if the percentage of vehicles added that are imports is minimal or the vehicle is not classed as a problem with the underwriter they may have allowed them to remain on cover without a charge. We always try to resolve these issues as best we can and if given the time we may have been able to assist but in your case the alternative quotation you received is very cheap if it gives you the same level of cover as ours with full import cover. In respect of time scales I would usually expect a query such as yours to be dealt with during a short period of time. However it is not out of the question for an insurer to take 24 hours to come back with a quotation to correct the policy. It was a surprise when you contacted the office the next morning to advise that you had received another cheaper quotation and taken cover elsewhere before we could find an alternative solution for you. If I remember rightly, I recommended that you check the terms of their contract to check that they have at least matched ours and if they also included the high performance import cover at a cheaper rate, then you should take it. I made it very clear at this stage that Tradewise could charge an administration fee for the cancellation to which you accepted that a small fee would be understandable. I did however manage to agree with them to treat the new contract of insurance as NTU (not taken up), resulting in nil charge from them. However we have not returned our £29.01 administration charge which became payable at the point you renewed your contract. As confirmed in our previous correspondence, we have since credited your account with £270.99. I understand your feelings regarding the charge. However the work had already been completed as per your advices to renew the policy on the terms shown on your documentation and as discussed over the phone with our renewals advisor prior to requesting cover so I do not feel it is unreasonable for us to retain this charge. Daniel Bryant Renewals Manager

Good afternoon, Thank you for your feedback and renewing with us for a third year. We take all feedback seriously so we have reviewed your policy details in full. The personal vehicle was added in January and due to the vehicle being a Maserati your underwriter charged extra, this is due to the increased risk to them of a claim being made. Many other Insurance companies on the market would have declined the vehicle. If there was a charge mid term on your policy then it is only logical that the same underwriter will charge for it again at renewal, if this was not explained to you please accept our apologies. The additional charge is now for the whole year as opposed to a smaller charge which was for the time left on cover. It is around £300 for this vehicle to be on your policy which to insure such a prestige vehicle would be considerably more if you bought a separate policy for it. Your renewals advisers did check that with this vehicle your current provider was still the right policy for you at the best price we could achieve. The policy you have covers you on imports which is roughly 80% of your business so it makes it very difficult to find another underwriter to cover everything required for you to run your business effectively. We have done everything in our power to obtain this cover at a low rate. We have also checked the calls with our renewals advisors where on two occasions you asked the reasons for the price increase this year. On both calls when we explained about the Maserati creating an extra charge you understood why and did not until now express any issue with the reasons before then paying to renew your policy. Although we could not do any more for you in terms of price, we did offer you the choice to pay by installments without the normal charge as a gesture of our gratitude for remaining a loyal customer for the last 2 years. I hope this clears the issue and if at any point the vehicle is sold, your insurance company will be happy to offer you a refund based on how long is left to go on the policy. Kind Regards Daniel Bryant Renewals Manager