Principal Insurance Limited Reviews

Name: Principal Insurance Limited
Address: Principal InsuranceCitygate 2, Cross Street, Sale
Rating: 4.09

4.1 Rating 354 Reviews

80 %

of reviewers recommend Principal Insurance Limited

Company Reviews

Questions

Metrics

4.1

Based on 354 reviews


Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour

Visit Website

Phone:

01619722780

Email:

marketing@principalinsurance.co.uk

Location:

Principal InsuranceCitygate 2, Cross Street
Sale
M33 7JR

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Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“Fake Quote Prices. dont bother , always getting quotes then ringing up to confirm, Only to be told it would be 60% extra increase to quote price”

Helpful Report

Posted 1 week ago

“We had an absolutely appalling experience that caused us a lot of stress and had a huge impact on our finances. We called to sign up for insurance for our converted campervan. We answered all questions truthfully as they were asked by the sales rep regarding the conversion and then got offered a policy. We tried to pay for it with our credit card, which was declined possibly due to fraud check from our bank. Because PI tried three times to put the sales through our card got blocked from their side (not the banks') and there apparently was nothing they could do from their side to unblock the card again. So we needed to use another card, which didn't fit our financial planning. We then went to our current insurance to cancel it and they advised us that it seems unlikely that the underwriter Principle Insurance has used (AXA) would cover a campervan conversion. We called back Principal insurance and expressed our concerns and ONLY THEN were we asked the question whether our campervan is registered as a motor caravan with the DVLA. It isn't because a) it's not a legal requirement and b) our stats don't fully match the requirements for a registration. The result of it was that - after two days of calling back and forth and often spending a considerable amount of time in the queue - we had to cancel the new policy with Premium Insurance and the most upsetting part is that a refund may take up to 60 days!!!!! That puts us into an impossible financial situation. The bottom line is that Premium Insurance has not written their sales script in a way that protects a new customer's interest nor trained their staff accordingly to ask the right questions. If the kind customer assistant at our current insurance hadn't pointed out the fact that we might be very likely in a situation where we are not covered we would have never known!!!!! And that to me is absolutely disgusting and huge negligence on Principle Insurance's part. My advice is avoid them or at least make sure you do all your homework beforehand because you can't trust this insurance to be fully transparent and lead the conversation in an expert way as one would expect. Date of experience: 09 April 2024”

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Posted 1 week ago

“Ruim contratei dia 08/03 falaram que 48 horas estaria assegurado mais até hj dia 12/03 meu veículo não esta assegurado ..tento entrar em contato e não consigo ..sem respostas..”

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Posted 1 month ago

“bought my insurance through MCN online gave all the right info and found that i had no insurance for 15 days as they dont insure vehicles not kept at a home address but did not find this out till i got documents through the post and rang them to query the policy. I had to cancel the policy and lost more than £85 through no fault of my own. Use a good old fashioned high street broker”

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Posted 3 months ago

“AVOID!!! INCOMPETENT unprofessional Scams! Purchased a van insurance with them, paid £377 deposit. After 7 days they called and decided to make my premium higher like £100 extra a month. So day 11 I decided to cancel my policy and ended up paying £81 and not getting my deposit back. They charged me £404 for 11 days of insurance. AVOID AVOID AVOID. I guess thats what they do with all their clients.”

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Posted 5 months ago

“THIS COMPANY ARE SO BAD -PLEASE READ TRUST PILOT FOR THE REAL REVIEWS”

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Posted 5 months ago

“DONT DO IT! For a few £’s less this company SEEMs good. It’s not! 6 weeks into a multibike cover, I needed to change private plate back to normal. Charge£50! Swindon’s do it free! Change bikes, from 800vech to 1000 tourer- £150 extra - my original policy is that! To cancel original policy of 6 weeks - refund?? - NOTHING! £0.00 I’ve got 4 bikes. Been a biker 42yrs! I will never go with this company again. What a joke. So save yourselves the future grief. DONT DO IT! Read other riders reviews”

Helpful Report

Posted 2 years ago

“Principal Insurance Brokers/ Highway Insurance Co (LV) BEWARE AND AVOID AT ALL COSTS What absolute incompetents the pair of them Back in August 2019 I foolishly chose the cheapest quote on an amalgamation site. It was Highway via brokers Principal. As with others on here it was not straight forward 'quote & buy' as is usual but you have to telephone and, in my case and others, be told 'no record of this quote but we can do it for £20 or so more'. Not much money so I accepted. Forward to the end of March when I found myself in France under 'lock-down'. I emailed Principal stating that I may have to exceed the estimated 3,000 annual mileage and, possibly, the 90 day EU cover and asked what action was required. I received a confirmation of receipt email and nothing further. Imagine my concern when a message came from Highway at the end of July just 30 days before renewal that I should be aware that exceeding the estimated annual mileage will result in my comprehensive insurance being downgraded to third-party. Consequently I appear to have been using my motor-home entirely at my own risk of damage from April until now (August) when, thankfully, I change to a reputable company.”

Helpful Report

Posted 3 years ago

“Avoid !! Avoid !! Terrible service, i bought a policy online £126, submitted the documents same day were requested , they cancelled the policy 2 days later and offered me a new policy for £810 . And they are saying there is nothing they can do except apologising. Isn't this some sort of legal fraud , unbelievable!!!! Robbery!”

Helpful Report

Posted 4 years ago

“Load of messing around with them the person I spoke to was about as much use as chocolate tea pot . Insurance is only a legal document to be on the road . Claims don’t claim on your insurance . It only goes up and up . Excess cover forget about it .no claims bonus my arse . Only one claim in my life .when my car was stolen.get the no insurance drivers off the road for good .the technology is there. So get it in place .and stop using that as a big excuse to put up the cost .”

Helpful Report

Posted 4 years ago

“Avoid them if you can. I had a policy for 11+ months, fully paid, no claims etc. So I sell me bike, and put deposit on another one. So I call them just to change bike, expecting I'll need to pay something for less then 30 days, but anyway, complete the policy, get my No claims bonus and insure again. They say they cannot cover new bike and cancel the policy. So I loose my NCB for less then 30 days which will cost me 100s of pounds. They even tried to charged me earlier in year, when I got my full licence. People on phone are decent, but it's rotten inside, I will never deal with them again.”

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Posted 4 years ago

“I have not received My insurance policy documents since the date I purchased my Motorbike policy on 2 June 2019 .”

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Posted 4 years ago

“Watch out, this company has a garage endorsement that does not come up on any comparison websites, you may tick that your bike will be stored in the garage at night but in small print they add and endorsement stating at all times while at home right at the bottom of you policy. So you can’t even take it outside for a wash and dry. Pathetic service and took them more than a month to tell me they will not pay out for my bike that stolen at my property.”

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Posted 4 years ago

“DO NOT USE PRINCIPAL INSURANCE DO NOT USE PRINCIPAL INSURANCE Cancelled my insurance due to selling the insured vehicle. Told by Principal that I would still have to pay the whole amount (paying by DD instalments). Call Centre assistant very rude and seemed impatient with me on the phone. Awful company but then again, aren't all insurance companies”

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Posted 4 years ago

“Fast and easy but cancelled insurance as ncb were out of date, charged a cancellation fee when it was just outside of the month. All documentation was sent in the time require but wasn't checked until a good 2wks later!!”

Helpful Report

Posted 4 years ago

Hi, thanks for your honest feedback. We apologise for the circumstances that led you to provide such negative feedback. Unfortunately, the majority of insurers will not honour no claims bonus if it is more than two years since the policy expired. We understand that this can be frustrating should you wish to discuss this further please contact our team at marketing@principalinsurance.co.uk with your policy information.

Posted 4 years ago

“My renewal was £60 more than a new quote and when I took out the new quote it’s asking me to validate even though i am a existing customer and I think this is poor customer relations.”

Helpful Report

Posted 4 years ago

“Terrible Customers Service, purchased this insurance through comparethe market, every week instead of Policy I was receiving emails for more information. Even after providing more details, they were asking for the same information again and again. lack of competency in staff is horrendous. After a month from my purchase (paid in full) still no documents, no policy. Never seen worse insurance company, too much hassle! Will never insure with them again even if they were thousands of pounds cheaper... Avoid!!!”

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Posted 5 years ago

“Refund of money , to be honest very disappointed”

Helpful Report

Posted 5 years ago

“I paid for a policy on the 1st March, no documents were received. I emailed no response. On the 5th March I tried callling impossible to get through. Web chat not working. I sent another urgent email and raised a formal complaint, no response. Given I could not ride the motorcycle I tried calling again, waited for over 40 minutes and finally someone answered. I was told not sure what has gone wrong?? You were abysmal some years back and things are now worse than ever. You are legally bound to deal with formal complaints and you ignore this requirement!!!”

Helpful Report

Posted 5 years ago

“I innitially tookinsurance out with yourselves in december 2017. I provided all the documentation you required however sometime later I recieved an email saying you had cancelled my insurance? Irritated and aware I had provided all necesary documentation I phoned up and was told the cancellation was an autoemail sent due to operator error in not removing me from the auto email list. Mistakes happen, fast forward one year... I phone up and renew my policy over the phone - no mention of additional documents required, which seemed logical as I had already provided these documents the previous year and I am renewing the policy again with you.. the same company. Today I pick up and email again saying you will cancel my policy unless I provide you with the same documents I provided last year.. superb. One of these documents is proof of no claims.. my proof of no claim would be issued by you.. this shows an exceptional level of incompetence of behalf of your comapany. I will be phoning tomorrow to complain about this poor service and feel the whole shows what poor processes you as a company have.”

Helpful Report

Posted 5 years ago

Thanks for the honest review, James. We are really disappointed to hear of your recent experience and understand your frustrations. We are usually known for our great customer service and attention to detail but understand our reputation is not something we can hide behind. A manager will be in touch shortly to discuss further.

Posted 5 years ago

Principal Insurance Limited is rated 4.1 based on 354 reviews