“motor insurance is motor insurance it's as good as the price it;s sold at if you know what you want .I've not had anything to complain about but chances are I'll get a shock in October on renewal .then watson the games afoot!!
i;ll”
“Helpfull but loyalty doesn't matter to any company any more and insurance goes up every year without fail. makes me wonder why I don't claim for something, it will be more expensive next year anyway?”
“CO OP CONTRIBUTED TO TEENAGE SON HAVING A STROKE
I'm still too weak from our house fire and being homeless for so long to fully explain the terrible way Co op treated us, so I will just leave some facts:
After a non fault house fire Coop
- All admitted they have little to no knowledge of disability, so we were failed beyond comprehension
- They moved us between 13 Travelodges (different areas) in 3.5 mths because they refused to book accessible rooms in advance
- They completely ignored all medical evidence on both myself (power chair user, and son's health) leaving us at extreme risk throughout. The fear we felt was extreme.
- We were left on the pavement with no where to go
- They left me without vital medical equipment for 7 months which has impacted my health permanently. The pain I am in now daily as a result of this brings me to tears as it is unmanageable.
- We begged them for help as my father was dying and we were caring for him, and like every other area, they failed and provided what was needed AFTER he passed.
-We received a payout that still missed off lots of our items and still was incomplete in monetary value. Daily we still realise things just 'disappeared.'
- We had to do all the work instead of the loss adjusters - making documents 100's of pages to make it idiot proof - and still, they completely screwed it up. They passed us to lots of loss adjusters who asked the same questions over and over rather than just read the information they had, irrespective of how exhausting and upsetting this was to us.
- The ignorance around disability from this company is a DISGRACE... Throughout I explained what I needed, what their actions were doing to me and my input was ignored. Mistakes were made almost daily, and we were left trying to sort them out, only for the same mistakes to happen a few days later. I was grilled over and over to prove whether I bought equipment myself (even when I proved 20 page documents that I did, I was still grilled further). It was soul destroying.
- I am a power chair user and was put into rooms with no adaptations meaning I couldn't even go to the toilet - yet it was inferred I should have been grateful they helped at all.
- If we sat back and waited for them to 'act' we'd probably still be sat on a pavement now, and our claim no further on. We literally had to do everything. It was a full time job from 6 am -11 pm.
- My sons health needs were completely ignored (as were all my medical reports submitted also) showing his health was also rapidly declining.
- Coop offered us £2K for the errors made throughout. I cried when they offered this... it was an insult. They told me we could have it just as a gesture of goodwill and then advised us to go to the Ombudsmen. NO MONEY WAS EVER PAID OUT BY CO OP. We knew recovering from this would take years. Co op seemed to have no real grasp of the real harm they had caused to a family with disabilities.
My teenage son could not cope with how little they valued us and belittled what they'd done to us. Just under 2 months later he went on to suffer a stroke. He hasn't slept properly since the fire and days before he was particularly upset and couldn't understand why we, as a completely innocent family, were treated in such a way, and with such a lack of compassion throughout, when we didn't even cause the fire. Yet we'd lost our home and everything in it. It was confirmed that his bleed on his brain was due to the immense stress he was under due to the poor management of the fire and what we were put through. As stated, Coop did not even acknowledge the psychiatric reports that were sent to them warning them about the risks that this situation could do to him and the stress it would cause him.
I am covering 10% of the failings Co op did. I can't begin to express the trauma my family and I have and are still going through and we don't even know how to begin rebuilding our lives. The local council were who helped us and rehoused us in the end although we had to relocate and now face huge commuting costs. We lived for months with donated beds from a church and newspapers up at the windows as we had nothing to our names anymore. Co op knew and despite us begging to help, sending photo's showing them the conditions we were living in, especially due to our medical needs, they continued to leave us struggling.
When our whole lives were completely destroyed through no fault of our own, Co op destroyed them further. If I'd been listened to from the start as an EQUAL human being, so much of this could have been avoided.”
“Do not insure with this company they will not carry out the repair on a fully comprehensive vehicle and also the repairer gave me my car back in a worse state than it initially went in for worse insurers by far stay away x5 BMW”
“Awful.
If they pay out for a claim they will screw you out of every penny and refuse to insure your car even though there's 6 months left on the policy.
Then they bullshit their way out of it.”
“they allowed my car insurance to go on for 6 months while "waiting for NCD proof" and then suddenly cancelled my insurance with no notice and i got 6 points, car police impounded and crushed also £300 fine for having no insurance! I had all the relevant paperwork but they dont use emails like everyone else and everything is by post which is a shared letterbox so i didn't receive the post.”
“Here goes...
The Co-op cancelled our car insurance at midnight on 24.05.17 for failure to send evidence of NCD, but in a letter dated March 2017 told us that our NCD was protected and we didn't need to do anything else. Husband was driving the car and was stopped by the police as the insurance had been cancelled, but we had not been notified of this decision, car was impounded for 6 days and he was told he will be given £200 fine and six points. Called the Co-op and they faffed on about us not making a payment, which we had no idea about and they wouldn't tell us about and refused to reinstate the insurance as it needed to be investigated. We sent in proof of NCD but they provided us with two incorrect email addresses. They failed to call us back when they said they would, and when we called to see if they had received our proof of NCD they said no, because again it was an incorrect email address they gave to us. Email was finally sent and after a very long chat with a lovely lady called Phoebe it transpired that there was a letter on their system requesting proof of NCD or a payment of £395.23 which was never sent out to us! They cancelled our policy over something they had never informed us over so we were unable to act on it and rectify any errors on our part. Cut a long story short, insurance was reinstated and they admitted it was an error on their part, dealt with by a lovely chap called Mr John Mercer and then it went to their customer relations department. Today we recieved a call from a rather snotty chap by the name of Andy, who implied that all of this was our fault, and it ended with me asking for his full name and job title and telling him I am going to the financial ombudsman over the matter. I will also be making a complaint about his attitude.
They claimed to have records of certain letters in our file on their system that we have never received and we have letters from them that they do not have on their records! Classic case of the right hand not knowing what the left hand is doing, and trying to cover their own mistakes by blaming the customer when we had been told that everything was fine and we didn't need to do anything.
Customer relations department need to work on training their staff to work WITH the customer to find an agreeable solution, not blame them for what has been proven to be a ridiculously huge error on the Co-op's part. Other departments need to work out how to put records of ALL correspondence with customers in one place, and make sure it actually gets sent out to them!
Rant over...(and we have our car back after two trips to the impound as the insurance certificate we were issued with was for 14days only but governemt website says it must be a minimum of 30 days- would have thought a car insurance company would have known this!)”
