Found 30th Jan
Hi, I'm just looking at renewing car insurance on a compare website. The first few companies I have never heard of. I'm just wondering if any of you have either heard of them or had any dealings with them? Thanks
Go Skippy
People's Choice
Bell

41 Comments

It's when you come to claim that the major brands are so efficient
All 3 are legit and cover you but I would pay a bit more for peace of mind as some are internet only
You need to speak to a human to sort things out properly

Here's a little game you might enjoy?
Insert one word for each company from the list below
Screw Wrong End
Edited by: "sowotsdis" 30th Jan

Bell have been about for a long time. Part of admiral.

Go Skippy is a broker, so just a middleman

People's choice is just a different trading name of Hastings direct

You will probably find most of them are underwritten by a much bigger company like Ageas.

Original Poster

sowotsdis

It's when you come to claim that the major brands are so efficientAll 3 … It's when you come to claim that the major brands are so efficientAll 3 are legit and cover you but I would pay a bit more for peace of mind as some are internet onlyYou need to speak to a human to sort things out properly Here's a little game you might enjoy?Insert one word for each company from the list belowScrew Wrong End


Thanks for your help. About the first 10 companies I have never heard of so going to one I have is about £100 dearer!

Original Poster

BeerDrinker

Bell have been about for a long time. Part of admiral.Go Skippy is a … Bell have been about for a long time. Part of admiral.Go Skippy is a broker, so just a middlemanPeople's choice is just a different trading name of Hastings direct


Thanks, not sure why they have to make is so damn confusing, just choose a company name, and stick to it, Simples!

Original Poster

stefromuk

You will probably find most of them are underwritten by a much bigger … You will probably find most of them are underwritten by a much bigger company like Ageas.


Thanks, it just surprised me because last year they were all well known companies.

I chose to go with go skippy when I renewed last year as they came up £250 cheaper than hastings which was the next cheapest for me. I was sceptical as the reviews everywhere were really poor but my dad has been with them for e years with no issues so I took the risk and was pleasantly surprised. Touch wood I've had no problems with them, communication was efficient I just emailed my documents over to them and that was it everything up and running. I cant comment on how they'd be if I had to claim (God forbid) but so far they have met my needs satisfactorily.

I just go for the cheapest I hope I don't need use them as I think most people hope. it's there as it's a legal requirement all them are pretty big companies they are on tv and every where else not sure why u think they are not. most insurers are under other bigger companies it hink it's to do with the huge deposits they need put down so not many actual new companies come on the market.

shywallflower

Thanks, not sure why they have to make is so damn confusing, just choose … Thanks, not sure why they have to make is so damn confusing, just choose a company name, and stick to it, Simples!



​it's all to do with legal tax avoidance and getting rid of other rights they may have to offer if they kept the same name or in some cases when they merge or sell off a company. it's stupid I know but that's what happens with most businesses here in the UK. half the time they just change the name slightly and customer don't notice it much like putting the or plc. Inc. etc in the name

Make sure you fully declare information as they will look to deny claims if they can justify doing this by saying you are not covered.

People's are simply Hastings Direct with less cover for incidentals. They also charge more for any changes in details once you have a policy. Hastings Direct are sharks. People's are worse.

telegraph.co.uk/fin…tml
Edited by: "jonnithomas" 30th Jan

They are all brokers . Their policies will be underwritten at Lloyds .

Original Poster

Feline31

I chose to go with go skippy when I renewed last year as they came up … I chose to go with go skippy when I renewed last year as they came up £250 cheaper than hastings which was the next cheapest for me. I was sceptical as the reviews everywhere were really poor but my dad has been with them for e years with no issues so I took the risk and was pleasantly surprised. Touch wood I've had no problems with them, communication was efficient I just emailed my documents over to them and that was it everything up and running. I cant comment on how they'd be if I had to claim (God forbid) but so far they have met my needs satisfactorily.


That's great to hear thanks, I'm hoping not to need them (if you know what I mean) but it's just with never hearing of them and them being the cheapest I just wanted to check.

I've been very pleasantly surprised by Admiral went with them for multicar 2 bangers & a 75 year old extra driver & they worked out the cheapest by a lot.

Anyway I've since changed both cars on the policy & I've not been charged a single penny extra for any of the changes.

I can't say what they're like if you claim but the CS has been brilliant I am really pleased with them.

If you're comparing just be careful the comparison sites like to push you in the direction of the policy they get paid most for well that's the only reason I can think of why they don't compare like with like for policy excess, legal cover etc.

Original Poster


That's great to hear thanks, I'm hoping not to need them (if you know what I mean) but it's just with never hearing of them and them being the cheapest I just wanted to check.

Thank you, I must have missed the ads,, never heard of any of them. I too hope never to need them, and I guess as with all over companies, if ever you did need them, they'd do all they can to prevent paying out anyway.
Feline31

I chose to go with go skippy when I renewed last year as they came up … I chose to go with go skippy when I renewed last year as they came up £250 cheaper than hastings which was the next cheapest for me. I was sceptical as the reviews everywhere were really poor but my dad has been with them for e years with no issues so I took the risk and was pleasantly surprised. Touch wood I've had no problems with them, communication was efficient I just emailed my documents over to them and that was it everything up and running. I cant comment on how they'd be if I had to claim (God forbid) but so far they have met my needs satisfactorily.

MynameisM

I just go for the cheapest I hope I don't need use them as I think most … I just go for the cheapest I hope I don't need use them as I think most people hope. it's there as it's a legal requirement all them are pretty big companies they are on tv and every where else not sure why u think they are not. most insurers are under other bigger companies it hink it's to do with the huge deposits they need put down so not many actual new companies come on the market.

BeerDrinker

Bell have been about for a long time. Part of admiral.Go Skippy is a … Bell have been about for a long time. Part of admiral.Go Skippy is a broker, so just a middlemanPeople's choice is just a different trading name of Hastings direct

Tummywobbler

Make sure you fully declare information as they will look to deny claims … Make sure you fully declare information as they will look to deny claims if they can justify doing this by saying you are not covered.


Ah I see, no wonder I'm confuzled, thanks

Will do, thank you

Original Poster

rogparki

They are all brokers . Their policies will be underwritten at Lloyds .


Thank you

Original Poster

Rich44

I've been very pleasantly surprised by Admiral went with them for … I've been very pleasantly surprised by Admiral went with them for multicar 2 bangers & a 75 year old extra driver & they worked out the cheapest by a lot. Anyway I've since changed both cars on the policy & I've not been charged a single penny extra for any of the changes. I can't say what they're like if you claim but the CS has been brilliant I am really pleased with them. If you're comparing just be careful the comparison sites like to push you in the direction of the policy they get paid most for well that's the only reason I can think of why they don't compare like with like for policy excess, legal cover etc.


Very interesting, thanks, that's unusual not to get charged for changing a vehicle, most have at least a £25 adjustment fee.

MynameisM

​it's all to do with legal tax avoidance and getting rid of other rights … ​it's all to do with legal tax avoidance and getting rid of other rights they may have to offer if they kept the same name or in some cases when they merge or sell off a company. it's stupid I know but that's what happens with most businesses here in the UK. half the time they just change the name slightly and customer don't notice it much like putting the or plc. Inc. etc in the name



No it's not. It's about having different brands that are targeted at different markets. E.g. Direct Line make a big thing of the fact that they're not on price comparison websites, but so they don't miss out on that business, they created the Privilege brand. AND, because price comparison site users are very price-driven, the Privilege policies cover less (and cost less) than DIrect Line policies.

Granted, occasionally companies sell off certain brands, but this isn't generally the reason they are created.

Original Poster

Feline31

I chose to go with go skippy when I renewed last year as they came up … I chose to go with go skippy when I renewed last year as they came up £250 cheaper than hastings which was the next cheapest for me. I was sceptical as the reviews everywhere were really poor but my dad has been with them for e years with no issues so I took the risk and was pleasantly surprised. Touch wood I've had no problems with them, communication was efficient I just emailed my documents over to them and that was it everything up and running. I cant comment on how they'd be if I had to claim (God forbid) but so far they have met my needs satisfactorily.


That's great to hear, thanks

rogparki

They are all brokers . Their policies will be underwritten at Lloyds .




yes but that doesn't mean all their policies are the same. there will be substantial differences. for example hastings don't have a reciprocal arrangement with any company in Europe.

have an accident outside uk and it's likely to be a write off as the vehicle will be shipped back to the uk for repair. That increased cost of trailer plus driver coming from uk to get vehicle and staying overnight before return makes a lot of cars a write off.

Original Poster

jonnithomas

People's are simply Hastings Direct with less cover for incidentals. They … People's are simply Hastings Direct with less cover for incidentals. They also charge more for any changes in details once you have a policy. Hastings Direct are sharks. People's are worse.http://www.telegraph.co.uk/finance/personalfinance/insurance/2793921/Hastings-Direct-fined-by-FSA-after-car-insurance-pricing-error.html


Wow I hadn't seen that article, thanks for posting it.

SuffolkLad222

No it's not. It's about having different brands that are targeted at … No it's not. It's about having different brands that are targeted at different markets. E.g. Direct Line make a big thing of the fact that they're not on price comparison websites, but so they don't miss out on that business, they created the Privilege brand. AND, because price comparison site users are very price-driven, the Privilege policies cover less (and cost less) than DIrect Line policies.Granted, occasionally companies sell off certain brands, but this isn't generally the reason they are created.



yes SuffolkLad you are right.

SuffolkLad222

No it's not. It's about having different brands that are targeted at … No it's not. It's about having different brands that are targeted at different markets. E.g. Direct Line make a big thing of the fact that they're not on price comparison websites, but so they don't miss out on that business, they created the Privilege brand. AND, because price comparison site users are very price-driven, the Privilege policies cover less (and cost less) than DIrect Line policies.Granted, occasionally companies sell off certain brands, but this isn't generally the reason they are created.



​funnily enough direct line have changed there name aswell it's joined other companies and the main one is know called direct line plc I think. changed in 2012.

with car insurance companies don't expect them to be reasonable. they aren't they encourage their staff to act like detectives to check everything is 100% accurate on the vehicle description and your own history. any vehicle modifications even includes changes in tyres/wheels/body trim (e.g. add a spoiler), change stereo etc etc.

anything that wasn't standard in that specific model and you are sunk. even if it was a previous owner or the dealer that changed it. it doesn't have to be a performance upgrade, just appearance. also the mileage you said for the year. use to commute and it's to ONE place only. several locations and it's not what you said and they will penalise you on a claim.

always do everything in writing and remember what you have said. if you said commuting and you go on a course/ several work locations in the car that's a change.

how do I know ? I used to work for a major car insurance company.

shywallflower

Wow I hadn't seen that article, thanks for posting it.



there are loads....

theguardian.com/bus…ine

Original Poster

jonnithomas

with car insurance companies don't expect them to be reasonable. they … with car insurance companies don't expect them to be reasonable. they aren't they encourage their staff to act like detectives to check everything is 100% accurate on the vehicle description and your own history. any vehicle modifications even includes changes in tyres/wheels/body trim (e.g. add a spoiler), change stereo etc etc.anything that wasn't standard in that specific model and you are sunk. even if it was a previous owner or the dealer that changed it. it doesn't have to be a performance upgrade, just appearance. also the mileage you said for the year. use to commute and it's to ONE place only. several locations and it's not what you said and they will penalise you on a claim.always do everything in writing and remember what you have said. if you said commuting and you go on a course/ several work locations in the car that's a change.how do I know ? I used to work for a major car insurance company.


So are you saying if you put down that you commute, then go on a course to a different location, you aren't covered?

Banned

woah

MynameisM

​funnily enough direct line have changed there name aswell it's joined o … ​funnily enough direct line have changed there name aswell it's joined other companies and the main one is know called direct line plc I think. changed in 2012.



Close - but not quite right The history is all on the Direct Line Group website if you're interested.

jonnithomas

with car insurance companies don't expect them to be reasonable. they … with car insurance companies don't expect them to be reasonable. they aren't they encourage their staff to act like detectives to check everything is 100% accurate on the vehicle description and your own history. any vehicle modifications even includes changes in tyres/wheels/body trim (e.g. add a spoiler), change stereo etc etc.anything that wasn't standard in that specific model and you are sunk. even if it was a previous owner or the dealer that changed it. it doesn't have to be a performance upgrade, just appearance. also the mileage you said for the year. use to commute and it's to ONE place only. several locations and it's not what you said and they will penalise you on a claim.always do everything in writing and remember what you have said. if you said commuting and you go on a course/ several work locations in the car that's a change.how do I know ? I used to work for a major car insurance company.



Before the Consumer Insurance (Representation and Disclosure) Act 2012 was introduced by the sounds of it

shywallflower

So are you saying if you put down that you commute, then go on a course … So are you saying if you put down that you commute, then go on a course to a different location, you aren't covered?



you will be covered but if you tell the accident clerk that you weren't going to your normal place of work they will refer the incident to an underwriter. if your vehicle mileage is also higher than you stated on your application that will be referred as well.

the underwriter will then decide how much higher your premium should have been if you had declared these omissions on your original application. if it's a minor amount they may waive the issue(s). if it's considered to be a significant difference then they can either reduce the amount of your claim by that percentage or charge you a fee for the discrepancy in the premium.

On one occasion I had to refer an insured to an underwriter as they had started a new job on the Monday and had an accident on the Thursday !!! They hadn't informed us of the change of employment which is considered to be significant. I was disciplined once as I didn't refer a policyholder to an underwriter when they reported an accident and mentioned in conversation something that had occurred 37 years earlier at the same location !!! Some calls are listened to at random hence I was reported.

SuffolkLad222

Before the Consumer Insurance (Representation and Disclosure) Act 2012 … Before the Consumer Insurance (Representation and Disclosure) Act 2012 was introduced by the sounds of it



No actually after as well.

The ombudsman says since that act....
'So if the insurer would have accepted the risk but charged the consumer a higher premium, we usually say that the insurer should consider the claim. If the claim is valid, the insurer should pay it in proportion to the premium that was actually paid. For example, if the consumer had been paying half the premium they should have, then we will say the consumer should get half the settlement if the claim is accepted.

However, if the insurer decides to charge the additional premium and settle the claim in full instead of settling the claim proportionately, we may also decide this is fair - provided the insurer deducts the additional premium from the claim settlement and does not put the consumer in a worse position than they would be in with a proportionate settlement.'

Original Poster

jonnithomas

you will be covered but if you tell the accident clerk that you weren't … you will be covered but if you tell the accident clerk that you weren't going to your normal place of work they will refer the incident to an underwriter. if your vehicle mileage is also higher than you stated on your application that will be referred as well. the underwriter will then decide how much higher your premium should have been if you had declared these omissions on your original application. if it's a minor amount they may waive the issue(s). if it's considered to be a significant difference then they can either reduce the amount of your claim by that percentage or charge you a fee for the discrepancy in the premium.On one occasion I had to refer an insured to an underwriter as they had started a new job on the Monday and had an accident on the Thursday !!! They hadn't informed us of the change of employment which is considered to be significant. I was disciplined once as I didn't refer a policyholder to an underwriter when they reported an accident and mentioned in conversation something that had occurred 37 years earlier at the same location !!! Some calls are listened to at random hence I was reported.


All sounds very complicated but thanks for taking the time to explain. And as for being reported....harsh!

if memory is correct people's choice is a broker of Hastings direct

Original Poster

danh88

if memory is correct people's choice is a broker of Hastings direct


Thanks

danh88

if memory is correct people's choice is a broker of Hastings direct



not quite. it's not a 'broker'. it's a marketing arm of Hastings with lower functionality of its ancillary insurance terms such as no windscreen cover, higher minimum excess, no automatic replacement vehicle on no fault accidents, no legal insurance cover of no fault claims. etc etc. It therefore has lower fees as it gives you less in the event of an incident.

the problem with this is that people compare on price and don't look at the full terms so they don't compare like with like.
Edited by: "jonnithomas" 31st Jan

jonnithomas

not quite. it's not a 'broker'. it's a marketing arm of Hastings with … not quite. it's not a 'broker'. it's a marketing arm of Hastings with lower functionality of its ancillary insurance terms such as no windscreen cover, higher minimum excess, no automatic replacement vehicle on no fault accidents, no legal insurance cover of no fault claims. etc etc. It therefore has lower fees as it gives you less in the event of an incident.the problem with this is that people compare on price and don't look at the full terms so they don't compare like with like.



​it's funny how I did have those on my previous insurance with them then

danh88

​it's funny how I did have those on my previous insurance with them then




yes, and you paid more for them ,... didn't you ? many other companies have them included in their standard policy automatically.

it simply depended what cover you paid for and what it was called and what extras you added.
Edited by: "jonnithomas" 1st Feb

Avoid 'go skippy' they are terrible I had a bad experience, and it seems I am not the only [one![/b]

Edited by: "Moonwolf1976" 1st Feb

Original Poster

Moonwolf1976

Avoid 'go skippy' they are terrible I had a bad experience, and it seems … Avoid 'go skippy' they are terrible I had a bad experience, and it seems I am not the only [one![/b]


Thank you so much, doesn't sound good does it? I think I'll look elsewhere, surely all those people can't be wrong. Thanks for taking the time to post.

jonnithomas

yes, and you paid more for them ,... didn't you ? many other companies … yes, and you paid more for them ,... didn't you ? many other companies have them included in their standard policy automatically. it simply depended what cover you paid for and what it was called and what extras you added.



​no it's was included in the price if stayed with the company before it was more went searched on these compare sites this came up with those extras which was cheaper
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