I took out home insurance with Policy Expert via confused.com and was looking forward to my free Brian the robot toy. It never came as a delay was issued saying it may take months.
In the meantime, damage was caused to my terrace house from next doors gutter leaking into my bedroom then down the wall of the front room. I submitted a claim as this is what you do to get the house you insured repaired.
Not as easy as you may think as there was slight damp already there and in the end I was passed on to Policy Experts Solicitors.
Months of submitting photos and emails passed by. At least four before they turned round and said, "The damage is under £15,000 go away, you can`t claim a penny."
I then got on the phone only to be told, "The damage covered regards water is only for storm related repair."
How can I prove the cause of next doors damage? I asked her my 84 year old neighbour for details of her insurers only to be faced with, "Oh it`s my legs, they are killing me."
So this has caused a rift between her family and me. I have well over £5,000 to find for replastering, new carpet and redecorating and POLICY EXPERT are not interested.
confused.com? Well, they to don`t give a damn. No Brian is ever gonna be sent so I can save on gun and ammo to blow his plastic head off. The case has been closed by confused.com as they are not interested anymore, well would you be as you`ve got your cut from little old Steve the policy mug.
So beware of online insurance middle men, because if it`s cheap it will be nasty as well. I think this proves my point.