Plan Insurance Brokers 評論

Good afternoon, Thank you for supplying the feedback regarding your renewal, please be assured we treat all feedback very seriously. We are constantly checking company procedures have been followed and that our staff have done everything they can to offer both the best rates and the best service possible. We pride ourselves on these values and it is very concerning when a client does not feel they have received adequate assistance or they do not understand the rates being charged. If I could firstly respond to your concern over the arrangement fee. In the vast majority of cases, brokers will charge a fee when they arrange the sale or renewal of an insurance policy. We aim to be completely transparent when we charge an arrangement fee and thus these charges are shown separately on renewal invitation letters and confirmed by our agents prior to the conclusion of any contract. You are correct that we earn a commission from insurers when we sell their insurance policies and as is your right, we will disclose our full income including any commission payment we receive from the placement of your policy. If I could ask you to contact me under separate cover to request this, I will happily arrange this for you. The arrangement fee we charge supplements this commission to ensure we can offer the expected level of service. It therefore covers our costs for looking after the policy throughout the year, this includes providing quotations, producing policy documentation and contacting clients by phone, mail, text and email in order to collect the documents and forms as required by insurers. The charge also covers the work undertaken to process the renewal and collect payments. Our renewals team spend time on every renewal securing the best price for the new policy without compromising on the cover. Once this has been achieved a letter is sent and then we make regular communications ensuring clients know their policy is due either in writing or with subsequent telephone calls. With regards to your renewal, we are satisfied that the team has put in all the effort they can to assist with the price and also reduced your arrangement fee as a loyal client. Having read your policy notes we can see that several letters with revised terms were sent and phone calls were made to try and get the price down for you. We believe the rest of the market for your risk is at least £200-£300 more than we have charged, however you did confirm you had a price much cheaper than the price you have renewed at so we can only assume that the alternative quote did not provide the correct cover or as many benefits as ours. Your second point regarding the price compared with personal car insurance is a common query. Although each private hire risk is different, the common philosophy with underwriters is that as the vehicle is being used for business purposes it is therefore naturally on the road far more than a client who uses a vehicle to get to and from work and for social reasons. For this reason the risk is higher for an accident to occur thus increasing the chances of claims to be paid by the underwriter. Furthermore when a vehicle is being used to transport the public, when claims do occur the costs on average are higher due to the much greater risk of personal injury claims from the passengers being carried. Finally your excellent driving record is getting you the best deals available under current market conditions, as an example your exact risk with 2 years bonus as opposed to the maximum bonus you hold would result in an annual premium of around £1400. I hope this demonstrates the reasoning behind everything and helps you feel more confident that our staff have acted correctly and achieved what is possible for your renewal. If you have any further queries regarding the policy or what’s been explained please email me at dan.bryant@planinsurance.co.uk Daniel Bryant Renewals Manager