Life Insurance

Buildings Insurance

Advantages: Easy to set up
Disadvantages: very very poor customer service when you need them most

...insurance for several years with axa - it was more expense but I had a number of other insurance policies with them (life ete). Never claimed - but this winter had a burst pipe during the cold spell. Insurance detailed that I would be covered for pipes damaged as a result of freezing. Thought I would be okay, contacted Axa and was made to feel like an insurance fraudster -cross examined for 40 minutes (worse than facing a barrister), told it wasn't ...
...you wish to make a claim. An extraordinary experience as a customer awaits if you try. The extra cost of the Axa policy is not worth it - take my advice and move to another company, which cover burst pipes at a fraction of the premium. ...

GERRY192 13.03.2006 · Read full review
Ciao members have rated this review on average: not helpful
Review of Axa Sun Life

Life and Critical Illness policy

Advantages: An excellent level of cover provided.
Disadvantages: Completing the very detailed health questionaire...can't be helped though!

I have just taken out a combined life and critical illness policy to support my mortgage and am very pleased to say I am paying a very reasonable monthly premium and receiving excellent comprehensive cover from what I personally feel is one of the best products on the market. I have the confidence that if myself or my partner is unfortunate enough to be suffer a critical illness or god forbid the worse happens, a non decreasing tax free lump sum ...

PINKLADYRLE 08.08.2007 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Legal & General Assurance Society Ltd

Poor servive and no transparancy with life/investment policies

Advantages: none
Disadvantages: origionally missold by Gan and after readjusting policy messed up by W/L when in their management

...have been a customer with Windsor Life (formerly GAN & General Portfolio) for over 20 Years. Overall I have had very bad experience with this company. Over the years I have noticed many errors on my yearly statements of varies policies I have with W/L. In order to sort them out I was kept hanging on the other end of expensive phone calls achieving nothing. When I wrote to W/L there was often no reply or like in many cases it took 6 weeks. Then the ...
...of projections to encourage me to invest in more poor products. In my experience W/L is not clear in presenting facts to the customer and repeat substantial errors (date of birth, maturity dates) over and over. That continues after repeated notification from myself. The complaints by W/L are handled exactly as described in previous comments: with contempt and no regard for any rules and the Ombudsman service does not worry W/L either. W/L have ...

flickmadduck 24.07.2009 · Read full review
Ciao members have rated this review on average: helpful
Review of Windsor Life Assurance Co Ltd

GRE Homebuilder

Advantages: None
Disadvantages: Very poor return and cavalier attitude

In 1983 I signed up for a GRE Homebuilder plan which was meant to yield at least £16000 in 2008. Several years ago I received a shortfall letter indicating that the scheme would miss its target by about £5000. To add insult to injury I was advised to increase my monthly payments by at least five times the original premium. I made a complaint in writing in which I compared the Homebuilder plan with an endowment plan from another company which was ...
...for complaint or compensation. Needless to say not wanting to throw good money after bad I did not take their advice but opted to make extra payments on my mortgage instead. I cannot recommend GRE to anyone because of their poor returns and cavalier attitude. I understand that one complaint only is allowed and I have had my chance of compensation apparently. With hindsight I should have sought professional advice before proceeding with my complaint. ...

cat5weaver 06.10.2005 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Guardian Royal Exchange Assurance PLC

Black Horse Finance Loan (Lloyds TSB)

Advantages: Can take 2 months payment break per year.
Disadvantages: Takes ages to get mistakes sorted, even when not your fault

...of Lloyds TSBs sister companies, Black Horse Finance. We wanted the money to pay off another more expensive loan and pay for our wedding in June 2006. We were more then happy when we were offered £4000 as that would pay off the outstanding loan that we had and leave us with around £1000 towards our wedding. We were also very happy when we were informed that would receive 3 months where we wouldn't have to pay a penny off the loan at the beginning ...
...end of trouble because of it. Perhaps it is because of sparkling personality and telephone manner that they like to hear from me so often! If you are thinking about taking out a loan through Black Horse Finance I have one piece of advice for you - DON'T! ...

tizzyday 26.05.2007 · Read full review
Ciao members have rated this review on average: not helpful
Review of Black Horse Life Assurance Co Ltd