Selecting a cheap insurance policy does not necessarily translate into quality service by the insurer. All sorts of problems routinely take place that are missing from articles and testimonials. You should always take a closer look into the other side of low priced insurance.
The Reality of Online Insurance Discounts
Several insurers give discounts if you buy policies from their websites. Insurance policies are offered along with attractive online discounts that can range from 5% to 20%. Unfortunately, the insurers quote such absurdly high prices that the discounts are just not worth it. For example, if you are quoted £1,800 for fully comprehensive insurance policy, a 5% discount will not make much of a difference.
Unmatched Documents
After you diligently put in the details during the online quotation process, there is a possibility that the online print out will not match the actual insurance policy document. Your policy printout might be missing important information that is included in the actual policy such as compulsory deductibles, additional fees and charges based on the amount of time you have been licensed. It is important that all potential insurance buyers read the information on the policy on the website as many times as possible and find the fine print of the document policy. Ask as many questions as possible to make an informed choice before you agree to a policy.
Poor Communication
Poor customer service can ruin the satisfaction of any cost effective insurance policy. For instance, Norwich Union Direct has a bad customer service record with numerous clients claiming unprofessional and unsympathetic staff, incorrect information is put into claims and the wait for service is far too long. They have passed complaints on to so many people that the reputation of the insurer has been all but ruined.
Courtesy Vehicle
Motor insurance companies, as a general policy, offer courtesy vehicles during the time your vehicle is being repaired. It sounds good but practically, you may have to wait 2-3 days before your replacement vehicle shows up and it may be too small. In some cases, expected courtesy vehicles are not written into the policy and are considered supplementary.
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