“Took out a policy based on price & policy inclusions. Then noticed in the small print that there is a £10,000 limit per accident. Would be so easy to go over this in the event of a third party claim resulting from a fault accident. Decided to cancel an hour & a half after taking policy out (to start in 21 days time). Was charged £49.99 “set-up “ fee by Yoga as they are BROKERS & not the insurance company. Therefore they are allowed to charge for cancellation during the cooling off period . Not happy - asked (Eleanor via web chat) if they would consider dropping the charge as a goodwill gesture as it was only 90 mins. since taking out the policy. She flatly refused saying I should have read all the t’s & c’s before taking out the policy.
2 lessons with this company - 1) Be careful with the £10,000 claim limit per accident. This would be so easy to exceed.
2) Don’t think you will get a full refund without cancellation charge deduction during the cooling off period. The FCA rules DON’T apply to brokers.”
“Paid a months premium, cancelled almost immediately as it said it wouldnt insure my vehicle outside my house between 10pm and 6am. Looks like i
They want more money and no 14 day cooling off period....fuming!”
“I tried to cancel my renewal policy via the portal 2 days before the renewal date and the portal stated that the policy had already been cancelled which I assumed had happened automatically as I had already taken out a new policy through gocompare website. I then received renewal documents which I cancelled immediately and was charged £50.75 for privilege. I’d like to know why it wouldn’t my original cancellation?”
“Your service is terrible and discriminatory against disabled people. You sold me insurance on my motability vehicle and when I phoned to check that your system had recognised that it was a motability vehicle you refused me cover but then did not cancel the policy immediately but instead sent an email saying you were cancelling it in 8 days time. Don't trust this company at all.”
“Went with Yoga not knowing it was Close Brothers- had issues with them in the past claiming they didn’t get proof of my NCB.
I had breakdown cover and when I had to use it was told there’s a £20 callout charge!
“If your car needs to go to the garage and get fixed via one call, don't bother, in fact go on YouTube and fix it yourself it will be quicker. You may receive a text telling you your car will be ready in two days time, they mean 3 months and 2 days time.”
“Very difficult to find out who the insurance carrier actually is until the quote is accepted and payment details given. Only at that stage can you see that the insurer is an entity that I've never heard of based in Malta. Cheap price but do you really want to be talking to a claims department on an island in the mediterranean ?”
“Transcript to warn others
‘Have taken out new policy a few days ago, do you have 14 day cooling off period
James At 1:00:57 PM
Let me take a look at this for you
James At 1:01:50 PM
Can you confirm that the contact telephone no and email on file are still correct?
R At 1:02:24 PM
Cover does not start until 1st march
R At 1:03:12 PM
Policy no. Xxxxxxxxx
James At 1:04:08 PM
Yes you do have a 14 day cooling off period but there would be a £49.99 set up fee if the policy was cancelled within this period which is in place to recover costs we lose as a broker. This was outlined pre purchase for you
R At 1:09:36 PM
I think I’d rather pay that than go with you
James At 1:10:07 PM
Im sorry to hear that. May i ask the reason as to why you feel that way?
R At 1:11:40 PM
if you charge £50 for a quote 20 days before it is needed it does give me much hope for your customer service moving forward
James At 1:12:59 PM
Im sorry you feel that way. The charge was outlined pre purchase and agreed to when you took the policy. We are totally transparent in all our charges. May I ask the reason you were looking to cancel the policy prior to knowing about the fee?
R At 1:14:03 PM
Word of month experience
Not sure you can call it cancelling before cover starts
James At 1:14:22 PM
I see, we do have a lot of great reviews online on both trust pilot and on reviews.co.uk where customers have left feedback
RAt 1:15:34 PM
the way people are treated is paramount
Please arrange my refund
James At 1:15:54 PM
I totally understand that why is why we strive to give the best service possible
This is why we are so transparent with our fees
R At 1:16:02 PM
50 for a few papers is extortion
James At 1:16:06 PM
Did you not read the terms of the policy before you accepted into the contract?
R At 1:16:40 PM
It doesn’t change my view, please don’t patronise me
R At 1:17:25 PM
Please arrange my refund
James At 1:19:46 PM
I am only trying to help im sorry you feel that way. I will just process this now for you
R At 1:22:03 PM”
“Do not use! Dodgy company! You are offered 1 thing on the comparison site but once you pay and access their documentation it is different from what you actually signed up for, then even though it states on their email from yoga that if you cancel before insurance takes affect they still charge you £50 for sending out an automated email and when you speak to the actual company via chat they just constantly quote you their terms which you don't see until after the fact! Shocking!! DO NOT USE......”
“Changed my car yesterday and the online system declined the change. As I needed to tax the car I opened a new policy online with, YES, yoga (who declined it) and then had to cancel my old policy occurring cancellation fees as there is no-one to contact at the weekends accept the 🤖 who couldn't help me. Not happy at all!!”
“The company reviews are fake. Just read the questions part of the web page. Loaded with unanswered questions from customers who cannot access their accounts and cannot contact Yoga. A really bad insurer. Please avoid.”
“Good until you need to make changes. Can't log in even though my details are correct. No reset sent. No phone number.How am I supposed to insure new car. What a key down. Makes you wonder what support you would get if you had an accident. I guess they have all got Covid ?”