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Scuba Forum / UK Scuba / February 2007DO NOT USE BUDGET INSURANCE
Hi, I feel I must let you all know about the nightmare I have just had dealing with Budget Insurance. Appologies in advance if any of you feel this is O.T. I insured my Frontera back in the end of March 03, right from the go I knew things were not going to be easy. Every piece of documentation such as whereabouts of NCD's, previous insurers etc all had to be sent 2 or 3 times as, a week or two after sending out the first copies I would receive a reminder, telling me that I HAD NOT sent these docs, and doing so would invalid my insurance etc. In the end I would phone through such details...no mean task for me as I suffer from a pretty bad stammer! This settled down after the initial complicated month, until I had an LPG conversion carried out. I duly notified BUDGET (as is my duty) and explained that, as I would have to send a copy of the conversion certificate, I was worried about it getting lost in whatever black hole existed in their internal post system. The Lady assured me that she would personally take care of it, and indeed she rang me back on several occasions to assure me that things were OK, the conversion had been included in my cover and at no extra cost. Everything was Tickity-Boo........until this week. I received a curt letter, informing me that I had not returned my insurance certificate (?) and that withholding it was a criminal offence (??) I duly rang Budget, who informed me that my insurance is cancelled, and has been for the last 2 months (???) I received no indication of this, despite them insisting that they sent me warning letters. Nor indeed have I received a refund of 8(ish) months premium. In fact Budget have put me in the position where I may have been driving illegally through no fault of my own. Very nice when you consider that I regularly tow the club boat around West Wales...could have been very embarrassing, not to mention expensive. The upshot is, Budget are refusing to accept that they have received my LPG certificate, despite my instance that someone in their organisation (the only person, incidentally, who gave me helpful and professional service...surely she must have moved on by now?) actually confirmed that she had received the document from me on the telephone. Of course I could not quote her name today as I am not in the habit of keeping names for months on end, I leave that to the stalkers. Which leaves me where? No insurance, out of pocket after whatever fees they deem fit to remove from my refund and pretty pissed of that they did not have the decency to apologise for what is obviously an error on their behalf...I mean, honestly, why would I not bother sending them a Certificate for a conversion that I spent over a grand for, and after notifying them about the work in the first place? Makes no sense. I shall send every Manager of each department in Budget Insurance a similar letter of complaint, hopefully it will generate some discussion and help resolve whatever breakdown in comunication they are having. Until this happens I urge you to take my advice...STEER CLEAR OF BUDGET INSURANCE! Best Regards Neil Jones > Hi, > [quoted text clipped - 56 lines] > Best Regards > Neil Jones Yes Neil Buget are crap, in fact I had the same problems with Firebond and Performance Choice, Firebond would not release my NCD proof and it took me a year to get this off them. I had the exact same troubles as you apart from the LPG conversion, even when I faxed the copies in they still sent me letters saying that they had not received documents from me. In the end I cancelled them and so decided to Try Norwich Union Direct and boy did they quote me happy........ I saved over ?1,300 with them and that put a smile on my face, and I have never had any problems with them.... -- Deviant Devanti We are here for one reason, to reproduce; everything else we do is just to pass time until our next sexual encounter. :o). You should call them :o) sounds appalling. stick to your guns. > Hi, > [quoted text clipped - 56 lines] > Best Regards > Neil Jones You only find out how good these insurance co's. are when you have a clame or something goes wrong. My partner was with Colonnade for a year, when she took out the insurance they gave her 50% NCD to start (previously on someone else's insurance), when she wanted to renew it this year they told her that they had been bought out by Swinton and that they would give her the year that she had just been with them, and they would not honour the 50%. She phoned Vauxhall and they `mirrored' My NCD as she is named on my insurance the difference was ?300. They obviously wanted her custom. Gazza > Hi, > [quoted text clipped - 56 lines] > Best Regards > Neil Jones > I feel I must let you all know about the nightmare I have just > had dealing with Budget Insurance. I had to claim from Budget when I was a teenager. Service was absolutely fine, in fact it's fair to say I received a stupid amount of money (double the value of the vehicle). > Appologies in advance if any of you feel this is O.T. I don't feel it's OT, I do feel it's misplaced shite from someone who's just bitter. You took the word of an insurance company by phone, pretty much everyone knows that is just stupid and asking to get fk'ed over. You're not the first to have been done so, and you certainly won't be the last. *Every* company out there has both people who swear by them and people who swear at them[1]. If you can't handle that, then get a frigging bike.  SignatureLordy [1] With the exception of 'Adrian f.cks' of course, which is just terrible full stop :) > > I feel I must let you all know about the nightmare I have just > > had dealing with Budget Insurance. > > I had to claim from Budget when I was a teenager. Service was absolutely > fine, in fact it's fair to say I received a stupid amount of money > (double the value of the vehicle). How many decades ago was that? Signature____________________ Remove "X" from email address to reply. > > > I feel I must let you all know about the nightmare I have just > > > had dealing with Budget Insurance. [quoted text clipped - 4 lines] > > How many decades ago was that? Seeing as I'm only in my twenties, less than one actually... :) Coasting towards traffic lights at sub 20mph in traffic, and a stupid old fart in a Nissan Sunny decided to just suddenly change lanes. Unfortunately I happened to be at the side of them :( SignatureLordy > Coasting towards traffic lights at sub 20mph in traffic, and a stupid > old fart in a Nissan Sunny decided to just suddenly change lanes. > Unfortunately I happened to be at the side of them :( Wierd, on Friday I had a black cab take out my wing, I went to reverse into a parking space in a narrow (cars parked both sides) residential road, so obviously I semi pulled into the slot to then swing out to reverse in, The Taxi doing 25 mph saw the gap and jumped right in trying to get past me. CRASH straight into my wing (small dents and paint scrapes.) He however has to get a crowbar to pull the wing away from his front wheel. I am with esure and hope that they will be quick at realising that the Taxi Driver shouldn't even be on the road let alone driving paying customers around ( first accident now for 7 years - and as you may have worked out not my fault either) Mike. > > I feel I must let you all know about the nightmare I have just > > had dealing with Budget Insurance. [quoted text clipped - 8 lines] > just bitter. You took the word of an insurance company by phone, pretty > much everyone knows that is just stupid and asking to get fk'ed over. I wrote the, arguably, misplaced and OT shite (how can it be misplaced but not OT?) immeadiately after finding out about the situation, I therefore did not really have time to get bitter.........I was/am annoyed however that I have been put in a position where I could have faced serious legal consiquenses & finacial hardship for a number of years, through no fault of my own. I am aware, however , that this is not the most serious thing that can happen in life....and, my subsequent therapy is starting to become effecive :) Bitterness is a waste of energy, better to do something more constuctive...like resolve the issue. >...................(snip)You took the word of an insurance company by phone, pretty > much everyone knows that is just stupid and asking to get fk'ed over. > You're not the first to have been done so, and you certainly won't be > the last. I agree with the last part whole heartedly, and I do pride myself in being quite a cynical old f.cker (it's quite fashionable these days), but I really must take my hat off to you Lordy! When the representative of a company, with whom I have taken out a serious and compulsory legal contract with, makes a statement, then I feel that I should be able to trust (to a certain degree) in the advice given, otherwise the whole point of dealing with people by phone becomes pointless, and therefore all correspondence should be done via mail. For instance, I took out fresh insurance with Direct Line, the lady who took my details advised me that I had immediate cover, and that my certificate would be forwarded to me..... ****Dilemma**** should I jump in my vehicle and have a nice drive (all be it to work)?...or avoid my vehicle like the plague?...scared to death that things have bound to have gone wrong.....better wait until I have the certificate in my hand in a day or two......... .....then again, what good is the certificate if the policy has been cancelled without me knowing? Even the bits of paper can't be trusted!!!! Better not go out eh? stay in where it is safe........ > *Every* company out there has both people who swear by them and people > who swear at them[1]. If you can't handle that, then get a frigging > bike. why should I get a bike? I have done nothing wrong! > -- > Lordy > > [1] With the exception of 'Adrian f.cks' of course, > which is just terrible full stop :) Good one, Tee Hee. Neil Jones. > > > I feel I must let you all know about the nightmare I have just > > > had dealing with Budget Insurance. [quoted text clipped - 11 lines] > I wrote the, arguably, misplaced and OT shite (how can it be misplaced > but not OT?) Because it was not OT in the automotive group that I responded from, but you 'misplaced' it into other non-automotive groups where it may have been considered OT. That's my excuse and I'm sticking to it :) > ...................(snip)You took the word of an insurance company by > phone, pretty [quoted text clipped - 10 lines] > with people by phone becomes pointless, and therefore all correspondence > should be done via mail. This is not just any old 'serious' and 'legal company' we are talking about, it's an Insurance Company. Their sole purpose of existing is to f.ck you over wherever possible. Most people are aware of this and act accordingly. Does your failure to do so make you negligent... probably not, but it certainly didn't help. Any material changes to your policy should have been followed by a request for a new Certificate detailing those changes. I said it before, but I'll say it again. *nothing* an insurance company tells you by telephone with regards to policy changes should be accepted as fact until you have documented proof. > For instance, I took out fresh insurance with Direct Line, the lady > who took my details advised me that I had immediate cover, and that my [quoted text clipped - 6 lines] > bound to have gone wrong.....better wait until I have the certificate > in my hand in a day or two......... Different situation. Your problem regarded material changes to a policy. Did you even try contacting the Insurance Ombudsman (or whatever it's called now) with regards to their cancellation ? > > *Every* company out there has both people who swear by them and people > > who swear at them[1]. If you can't handle that, then get a frigging > > bike. > > why should I get a bike? I have done nothing wrong! You placed faith in your Insurers. That, by nature, *is* wrong. SignatureLordy > Different situation. Your problem regarded material changes to a policy. > Did you even try contacting the Insurance Ombudsman (or whatever it's > called now) with regards to their cancellation ? Yup...and a few other organisations given on the back of the policy in case of a complaint......but then again maybe they were false addresses? (now the paranoia is really setting in :) ) I also sent copies to various departmental managers/directors within the company. To be honest, I don't expect much in the way of results, and to be honest I don't really want much...apart from money owed, my proof of NCD and maybe an apology, yes...that would be nice! Just to say sorry, it was our bad... (the first two I have received BTW) > > why should I get a bike? I have done nothing wrong! > > You placed faith in your Insurers. That, by nature, *is* wrong. > > -- > Lordy Lordy, you cynical sod, please please stop it! There are people out there who you can trust you know! MPs, used car salesmen to name but a few! Don't suppose there is much point in asking you for a lend of a tenner....You can have it back when I'm paid...honest! Any how, got new insurance...and all my arms and legs so........onwards and upwards! All the best Neil Jones > Hi, > > I feel I must let you all know about the nightmare I have just had dealing > with Budget Insurance. > > Appologies in advance if any of you feel this is O.T. What make you think it might be considered OT ? > > Hi, > > [quoted text clipped - 4 lines] > > What make you think it might be considered OT ? How about the fact that it's X-posted to a huge number of newsgroups? What about the fact that it looks as though the poster has tried to post to EVERY newsgroup... ah yes - that's it. This is UseNet - not watchdog Alun Harford > > What make you think it might be considered OT ? > [quoted text clipped - 6 lines] > > Alun Harford I picked up this post uk.rec.suba.......it amused me that the poster was unsure if it might be considered OT :-) > > > Hi, > > > [quoted text clipped - 13 lines] > > Alun Harford It is true that I posted the information/warning/rant/whinge on about eight newsgroups, all of which I frequent or at the very least lurk. For instance, uk.rec.scuba is one of the newsgroups that I regularly frequent, and have in the past contributed to. Now, insurance on a 4x4 has tenuous links to scuba diving to say the least - but it is true to say that I bought my 4x4 primarily to help out towing and launching the club boat...I suspect/assume that a number of people who enjoy this hobby have similar vehicles, and I wanted to share this particular piece of misfortune with those that have offered me advice in the past. I know however, that it has entered the realms of being Off Topic for many people and I respect the fact that this can irritate. I therefore posted a forewarning & pre-emptive apology on the top of the post. I hope this explains things. Thanks to everyone who has offered me constructive comments and advice on this matter. Cheers Neil Jones (Amanda on the weekends.) Your lucky you want to try getting service from Budget after an accident! I am disabled and when my car was wrecked by a van I rang them, I had paid extra for their specialist cover and was supposed to get a suitable replacement vehicle 24/7. First after taking all the details they then told me to ring the insureance company Hastings (that was the first I knew that Budget were not actually an insureance company) I had to give them all the details again, they then told me to ring their repairer who could not collect my car for another 3 days! I then had to myself ring Drive Assisst Budget's extra provider they said they could bring me a car but not take away my damaged one which would have been stripped of worse in 3 days standing in Birmingham. And I had to make up my mind what to do by 3 pm as that was the cut off point for that day (some 24/7) The whole episode took months to sort and Budget wiped their hands of the whole thing and refused point blank to apologise. They are the biggest load of bastards on the planet. The lesson is DO NOT BUY CAR INSURANCE FOR ANY BROKER THAT DOES NOT HAVE THE WORD BROKER IN THEIR TITLE. Because they are not bound by the IBA code of conduct and not duty bound to find you the best deal. >Hi, > [quoted text clipped - 56 lines] >Best Regards >Neil Jones budget - in a word - are a bunch of money grabbing f.cking arseholes. They'll only entertain your call if you've got some money to give them. Beyond that they're c.nts and they just don't give a f.ck about you. The staff are trained to divert any and every call possible to either their renewals dept (money) or to some other fuckhead who will try and get money out of you for some reason. Budget Insurance are the epitomy of cold ruthless arrogant greed. > Budget Insurance are the epitomy of cold ruthless arrogant greed. Nothing to do with your greed then, that you will not pay for good service? Cheap and good value for money seldom appear in the same transaction. SignatureAJL >> Budget Insurance are the epitomy of cold ruthless arrogant greed. > >Nothing to do with your greed then, that you will not pay for good service? >Cheap and good value for money seldom appear in the same transaction. On the contrary it was just as cheap if not cheaper when I changed to P M Hart Brokers in Birmingham and the service has been first class. > > > Budget Insurance are the epitomy of cold ruthless arrogant greed. > > [quoted text clipped - 4 lines] > On the contrary it was just as cheap if not cheaper when I changed to > P M Hart Brokers in Birmingham and the service has been first class. Nice cross post. fwiw, I joined 'Budget' because they were surprisingly cheap for a performance car. I subsequently left because I found them to be completely incompetent, complete with a call centre full of fuckwits which appears to be somewhere in the back end of Africa. SignatureLordy.UK |
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