Has anyone ever used Express Insurance? I can only describe them as the biggest bunch of imbeciles I have ever come across and I shall explain.
I purchased a policy on the 28th Jan for my motorbike, all good they were the best quote through thebikeinsurer.co.uk so I followed through on the quote and purchased the policy. I took the bike out straight away after a phone conversation confirming I was insured and payment had been taken, they said they would send through an email shortly to confirm the policy. A few days passed and an email popped up confirming my insurance from the agreed date and time, I was happy, even if the email was a little delayed.
I still had a slight concern though that my bike hadn't shown up on the motor insurance database. I called them up to find out when it would appear on there and they assured me it usually takes a few days so I just asked them to send through a copy of the insurance cover note so I could get the bike taxed, they obliged and emailed it through. One look at the document and I realised the idiots had got the registration incorrect, despite the woman confirming the registration to me on the phone, back on the phone I went. They said it was no problem to change the registration just a £50 admin fee. I took a deep breath and told them I wasn't paying for someone else's mistake but the girl was insistent that the underwriters charge them and I would have to pay. Long story short I got my point across and they accepted the fault and changed it and sent me through a new pdf of the insurance document.
After that I thought my problems were over and it would be plain sailing, I was wrong. As part of the insurance they requested a copy of my licence (both parts) which was fine, I scanned and emailed a pdf over to them of both parts. Today I had an email back demanding £175 due to the date of my licence not matching the date I passed my licence on insurance documents. I was a little confused so emailed back stating I would look at my documents and be in contact because I was not happy to pay the £175. I checked my documents and sure enough the date the person I took the policy out with has put on the documents is '28/01/2011', exactly 1 year after the date I took the policy out despite telling them I passed my test a little over a month ago (at the time) on 16th December 2011. So I've called them and told them to listen very carefully to the phone conversation of when I took my policy out. Just to be sure I wasn't losing the plot I went back to thebikeinsurer.co.uk and dug up my original quote and sure enough I put my pass date as December 2011.
Words literally fail me, the insurance industry is a complete mess, the premiums go up, the service gets worse and worse. They need a radical overhaul of the whole industry. I am massively concerned should I ever need to make a claim with Express Insurance I doubt they have the intelligence to process that.