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Cashback Sites - Are they worth it now?

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I just wanted to share my experiences regarding cashback sites and breakdown cover/car insurance quotes. Have the insurance companies now realised that people are using cashback sites regularly to try…
1197matt Avatar
2m, 3w agoPosted 2 months, 3 weeks ago
I just wanted to share my experiences regarding cashback sites and breakdown cover/car insurance quotes. Have the insurance companies now realised that people are using cashback sites regularly to try and get a ‘cheaper’ deal?

In July/August I was looking for breakdown cover and as usual looked through the most well known cashback sites. I collected a number of quotes and compared the prices.

I was then intrigued to find out just how much I was (possibly, they seem to be rejected regularly now) saving by using a cashback site so I went directly to a few of the more well known providers.
I then found that I wasn’t actually saving any money at all, and was actually paying more by clicking through the cashback site.
Each of the ‘direct’ quotes I got were less than the quotes received through the cashback sites, and normally by the same amount, if not more than the cashback amount.

It would seem that as the providers know you have been directed through a cashback site the policy price increases to cover the payout (or non payout). I have recently had the same experience with my car insurance, and am now very wary of using cashback sites.

Am I doing something wrong or has anybody else had a similar experience?
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1197matt Avatar
2m, 3w agoPosted 2 months, 3 weeks ago
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1 Like #1
this is true for many but not all.
But very much appreciate for highlighting this. Now I will definitely check direct before going to cashback sites.
#2
This has been the case for year or two now, I was looking for a iPhone 6s last year and when I went through TCB I was redirected to a hidden part of the EE website and the prices were inflated compared to the normal website which counteracted the cash back so you wasn't really saving anything. Have notice talktalk do this too sometimes.
#3
Used to use cashback sites all the time and regularly had £500 a year back from all the insurance and other things i purchased online. Now i reckon i get about £30 a year and I would say i buy more online now then i did before. I find its often cheaper to go direct or in some cases use a local independent shop to source it for me. Cashback sites for me at least don't feature in my life now apart from insurance renewal time and even then only as a last resort.

Edited By: ThePasty on Dec 06, 2016 10:18
#4
Which is best between quidco and topcashback?
1 Like #5
ThePasty
Used to use cashback sites all the time and regularly had £500 a year back from all the insurance and other things i purchased online. Now i reckon i get about £30 a year and I would say i buy more online now then i did before. I find its often cheaper to go direct or in some cases use a local independent shop to source it for me. Cashback sites for me at least don't feature in my life now apart from insurance renewal time and even then only as a last resort.
It's much the same with me now. I am very wary with big purchases, as it only seems to be the liitle pennies here and there that actually track.
1 Like #6
jocky32000
Which is best between quidco and topcashback?
I tend to use both, although Quidco at the moment never tend to actually pay (unless it is only for pennies). I won't be using any for big purchases as you can't seem to trust that you aren't paying more or that it will actually pay.
1 Like #7
I paid for a holiday to NY through topcashback and they declined the payment despite I'd followed all the rules. Small amounts trackbeafiky as you say. Very disappointing.
1 Like #8
I've not had problems with tracking on TCB or Quidco but don't get anywhere near as much cashback as I used to especially on insurance, internet deals still seem good but not much else?

For the first time in about 8 years it was cheaper to stay with my current insurance company this year instead of swap :-\

Edited By: worto03 on Dec 06, 2016 11:10
#9
Both Quidco and TCB are scams tbh, not worth it. Most of the time stuff doesn't track, then when you file a case the companies can't find your account even if you give them your username, too much effort.
#10
Tracking may be affected by what you have loaded on your PC (or whatever you're using). For example, Adblock has to be disabled - you'll get a warning from TCB. Clear cookies before you start. And if something doesn't track, raise a claim. Most recent quick pay was for ALA gap insurance - less than a month.
1 Like #11
jocky32000
Which is best between quidco and topcashback?


Have thousands with quidco and hundreds with TCB as they never seem to track regularly for me. But my biggest issue with TCB is payment speed example something due for payment sat payable in 3 weeks for 10 weeks. Suddenly it went to payable in 39 weeks!! There response was laughable:(.
#12
i always go direct and get a quote than i go through topcashback or quidco and refresh the page. price stays down but cashback usually tracks
1 Like #13
To be honest I have no issue with tracking, it just seems really hard to actually get a payout now.
#14
HUKDS will challenge and chase every purchase you make via any deal posted on here to pick up the % rather than you the buyer. Do not add anything to your basket prior to clearing your cookies, otherwise it's registered on that site you had previously clicked through from here.
#15
Admiral Quoted me £550 for a 2 car policy at the start of the month, via Quidco for £55 cashback. The direct policy price was £416.50. Yes some cashback deals are rubbish.

Whereas I took out BT fibre earlier this year. £110 via Quidco and £100 via a BT cashback card. otherwise I would have paid a raw £30 a month for 12months. It pays to be picky.
1 Like #16
I went through a certain site to get Cashback for changing broadband providers. The cashback tracked which was great, but was a less amount then advertised. Theres me thinking it would be perfect in time for Christmas, NOPE! Due February :{
#17
A lot of people in here complaining about the tracking and payouts. I've been using Tcb for several years and have had around 2k in payouts. Only a handful haven't tracked and that's usually down to using a discount code that invalidates the cashbook.
#18
I find the works never tracks and hotels.com doesnt always track - strangely this seems to happen on the non-refundable purchases. Holland & Barret doesn always track but they pay when qeuried. Had to raise a few claims, most recently for their "tell a friend" promotion that didnt pay out.

Worthwhile for some things but dont use it for car or house insurance
1 Like #19
I've been with TCB for a couple of years and had about £1300 back but I'm getting increasingly frustrated with both them and the bigger companies who decline paying out, despite everything tracking and the cash back showing as pending.

I've had major problems with energy providers and insurance companies, M+S Energy duel fuel, NPower, Co-op car insurance all showed as pending for their very long waiting periods (26 weeks for co-op). Then all 3 declined to pay out. Trying to get any sort of response from TCB that makes any sense is nigh on impossible. Their system of raising a query must be one of the most difficult I've ever come across, designed to frustrate and make it impossible to get a satisfactory response because of the limited topics it seems to accept. My latest beef was with the co-op car insurance bought in April and tracked immediately, due to be paid early October. When nothing arrived at the end of the month I lodge a claim. Initial response was that it was due in the next batch of payments, then today its showing as declined....no reason given, my claim has disappeared and the co-op is not showing in my tracking history, and without being able to select a company from your visited merchants list you can't actually proceed with a complaint.

I'm giving up TCB and just using Quidco from now on
2 Likes #20
booky
I've been with TCB for a couple of years and had about £1300 back but I'm getting increasingly frustrated with both them and the bigger companies who decline paying out, despite everything tracking and the cash back showing as pending.
I've had major problems with energy providers and insurance companies, M+S Energy duel fuel, NPower, Co-op car insurance all showed as pending for their very long waiting periods (26 weeks for co-op). Then all 3 declined to pay out. Trying to get any sort of response from TCB that makes any sense is nigh on impossible. Their system of raising a query must be one of the most difficult I've ever come across, designed to frustrate and make it impossible to get a satisfactory response because of the limited topics it seems to accept. My latest beef was with the co-op car insurance bought in April and tracked immediately, due to be paid early October. When nothing arrived at the end of the month I lodge a claim. Initial response was that it was due in the next batch of payments, then today its showing as declined....no reason given, my claim has disappeared and the co-op is not showing in my tracking history, and without being able to select a company from your visited merchants list you can't actually proceed with a complaint.
I'm giving up TCB and just using Quidco from now on
That has been pretty much my experience over the last few years, but with Quidco. Everything tracks OK initially, but then the payment is rejected, you open a query and then that also gets rejected.
#21
1197matt
booky
I've been with TCB for a couple of years and had about £1300 back but I'm getting increasingly frustrated with both them and the bigger companies who decline paying out, despite everything tracking and the cash back showing as pending.
I've had major problems with energy providers and insurance companies, M+S Energy duel fuel, NPower, Co-op car insurance all showed as pending for their very long waiting periods (26 weeks for co-op). Then all 3 declined to pay out. Trying to get any sort of response from TCB that makes any sense is nigh on impossible. Their system of raising a query must be one of the most difficult I've ever come across, designed to frustrate and make it impossible to get a satisfactory response because of the limited topics it seems to accept. My latest beef was with the co-op car insurance bought in April and tracked immediately, due to be paid early October. When nothing arrived at the end of the month I lodge a claim. Initial response was that it was due in the next batch of payments, then today its showing as declined....no reason given, my claim has disappeared and the co-op is not showing in my tracking history, and without being able to select a company from your visited merchants list you can't actually proceed with a complaint.
I'm giving up TCB and just using Quidco from now on
That has been pretty much my experience over the last few years, but with Quidco. Everything tracks OK initially, but then the payment is rejected, you open a query and then that also gets rejected.

I've only just registered with Quidco, but if it turns out like TCB I'll go back to haggling.
#22
Still great.
#23
They're all pony.

Whoops, there go my flamedeers X)
#24
Agree. Better to try with the company direct. Told sky I was getting a better deal through cashback and they matched the price. Wasn't too keen on relying on cashback.

Also can't believe now the VAT doesnt track. I remember it all used to count towards the total before...
#25
I used tcb insurance comparison tool, never went on it again! £300 more than money supermarket. such a pitty
#26
I don't really use TCB or quidco these days - I too found that the 'deals' on insurance generated through their sites were no longer the cheapest ones and that even with the cashback it was cheaper to use comparison sites or go direct. I have also had deals that have gone through and then had the cashback amounts rejected for some reason so I find them more hassle than they are worth.
#27
jocky32000
Which is best between quidco and topcashback?

not happy with quidco at the mo, clicked 2 offers from them saying spend this at these sites get £10 extra , niether have tracked and they say I was no eligible!! but I clicked activated offer and bought stuff that tracked
#28
Unfortunately there's people out there who don't do their research and will sign up for a £30/month 24 month contract to get £100 up front, when they could get the same service for £20/month over same term. So the cashback sites can keep winning.
#29
MrWani
A lot of people in here complaining about the tracking and payouts. I've been using Tcb for several years and have had around 2k in payouts. Only a handful haven't tracked and that's usually down to using a discount code that invalidates the cashbook.
Good for you, they probably paid you with the 2k they never paid me.

That's the irritating thing, most peeps on here complaining about failure to pay have all stated they followed TCB's instructions to the letter, but when TCB doesn't pay it's the peeps fault - despite the fact they did every single thing required of them.

I got fed up with constantly disproving all the weak/false/crap excuses TCB could come up with to avoid payments - I told them in writing that I held them responsible - and I may have indirectly accused them of being a bunch of thieving [email protected]$.

I moved to Quidco knowing full well they too had a similar reputation re payments, but thus far I have found them to be an altogether better experience.
On a couple of occasions where payment has failed to come through Quidco were quick to cover it - stark contrast with the shysters at Tcb.

Nevertheless, I am sure there are plenty peeps who could reverse the companies and tell the same story, just as I'm sure there are a few (a very small few I suspect) like yourself who post 'no problems' and 'it's a voucher - or something else but isn't Tcb's fault'.

Merry Christmas.



Edited By: tryn2help on Dec 07, 2016 14:24: i
#30
I haven't had the same experience using Quidco for car insurance. We switched to Aviva in September and got £70 cashback, taking our annual premium down to £130pa. Cashback has been paid.
I've had a couple of problems with Quidco, but they've always paid up in the end.
As for TCB, hardly anything tracks properly and I'm forever raising claims. I avoid TCB if possible.
#31
Iv earned close to 1.5k back in the past 2 years between the 2 site. its far from guaranteed money but definitely worth doing for the effort it takes. I find topcashback to be far more reliable with missing claims that quidco. in fact don't think i have ever been successful with a quidco claim that's not tracked so I always use topcashback when possible.
2 Likes #32
booky
I've been with TCB for a couple of years and had about £1300 back but I'm getting increasingly frustrated with both them and the bigger companies who decline paying out, despite everything tracking and the cash back showing as pending.
I've had major problems with energy providers and insurance companies, M+S Energy duel fuel, NPower, Co-op car insurance all showed as pending for their very long waiting periods (26 weeks for co-op). Then all 3 declined to pay out. Trying to get any sort of response from TCB that makes any sense is nigh on impossible. Their system of raising a query must be one of the most difficult I've ever come across, designed to frustrate and make it impossible to get a satisfactory response because of the limited topics it seems to accept. My latest beef was with the co-op car insurance bought in April and tracked immediately, due to be paid early October. When nothing arrived at the end of the month I lodge a claim. Initial response was that it was due in the next batch of payments, then today its showing as declined....no reason given, my claim has disappeared and the co-op is not showing in my tracking history, and without being able to select a company from your visited merchants list you can't actually proceed with a complaint.
I'm giving up TCB and just using Quidco from now on

I have quite an untrustworthy nature with most organisations, so I tend to take a screenshot of all things like this just in case. Happened with a Tesco gift card that I was due, that they initially said they'd sent out, then said that it didn't apply to my purchase. I emailed them a copy of my screenshot, and the card was with me within 3 days. I do it for every cashback claim, and it's helped with these too. One was a gaming site that said I hadn't completed their t&c's but I'd already screenshotted my betting history, which had strangely vanished from their site, once I'd tried to claim cashback. Showed TCB the evidence and payment was made. Just try and cover yourself and they are usually ok, but I agree that they are nowhere near as good as they were.
#33
badger2609
booky
I've been with TCB for a couple of years and had about £1300 back but I'm getting increasingly frustrated with both them and the bigger companies who decline paying out, despite everything tracking and the cash back showing as pending.
I've had major problems with energy providers and insurance companies, M+S Energy duel fuel, NPower, Co-op car insurance all showed as pending for their very long waiting periods (26 weeks for co-op). Then all 3 declined to pay out. Trying to get any sort of response from TCB that makes any sense is nigh on impossible. Their system of raising a query must be one of the most difficult I've ever come across, designed to frustrate and make it impossible to get a satisfactory response because of the limited topics it seems to accept. My latest beef was with the co-op car insurance bought in April and tracked immediately, due to be paid early October. When nothing arrived at the end of the month I lodge a claim. Initial response was that it was due in the next batch of payments, then today its showing as declined....no reason given, my claim has disappeared and the co-op is not showing in my tracking history, and without being able to select a company from your visited merchants list you can't actually proceed with a complaint.
I'm giving up TCB and just using Quidco from now on
I have quite an untrustworthy nature with most organisations, so I tend to take a screenshot of all things like this just in case. Happened with a Tesco gift card that I was due, that they initially said they'd sent out, then said that it didn't apply to my purchase. I emailed them a copy of my screenshot, and the card was with me within 3 days. I do it for every cashback claim, and it's helped with these too. One was a gaming site that said I hadn't completed their t&c's but I'd already screenshotted my betting history, which had strangely vanished from their site, once I'd tried to claim cashback. Showed TCB the evidence and payment was made. Just try and cover yourself and they are usually ok, but I agree that they are nowhere near as good as they were.
I have to agree with you there Badger, you just need to watch them a lot more closely, especially with this whole not including the VAT now! That is just plain sneaky.
#34
Quidco had a deal a while back offering £10 with certain purchases, i made the purchase as i would normally do and it didn't track, i made a claim and it has only just been paid. Clever way of not paying the £10. I don't trust quidco at all. I use TCB almost exclusively now. But i have been paid lower amounts than was advertised on certain transactions with TCB. I know i don't get cashback if i use vouchers
#35
Now i don't factor in cashback when making purchases as i don't feel it's reliable. I try to use vouchers where possible.

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