Advantages Reasonable premiums
Disadvantages They are reluctant to pay out
We have been careful drivers for many years, and when our policy was up for renewal with our previous company, a friend was working for Pearl and as their benefits were seen on paper were excellent, we decided to insure our home and both of our vehicles with them.
Along with our custom came a full no claims bonus, as neither my husband nor I have had any accidents or needed to claim on any of our previous policies.
This wonderful package sounded just too good to be true, and in essence it was.
It included recovery of your ailing vehicle to your home or to a garage of your choice, as well as several other benefits.
Early last year we were fortunate to have been able to acquire a tax-exempt 25-year-old diesel Landrover Safari, paying £3000 for the privilege.
This was my husbands dream machine, not only could it seat all of the children and still have spare seats in the very back, he had all the space that he needed to transport his tools and equipment the 8 miles to Cornwall each day. As it is 4 wheel drive he was able to do the work on the farm that needed to be done, simply by adding a tow bar and winch.
He bought both of these and continued to enjoy his equivalent of a Porsche.
Just before we bought it, it had been thoroughly overhauled, a replacement engine fitted, had an extremely long MOT and a good service history.
This was probably the only vehicle that we all enjoyed being out in.
He took that thing everywhere he should, and several places he shouldn’t, but all terrain driving was his thing.
In short, we loved that little, (well big) car.
My husband immediately contacted Pearls emergency number, and very shortly a breakdown truck arrived to assist.
However due to position of the vehicle, the breakdown driver was reluctant to attempt to retrieve it. A neighbouring farm worker was on the scene and when asked to recover the vehicle by the breakdown driver, agreed and un-ceremonially dragged it back out, causing more damage than the actual accident, now making it beyond economical repair, as unlike the front, there was no rear bull bar to protect the back end.
Two months later and after huge disagreements over who owned the quality winch that my husband had fitted at great expense, we were still not in the least satisfied.
We had had enough of their excuses, by now they had sold our vehicle complete with all contents, for a pittance of what it was worth.
Some of the contents did not belong to us, including sentimental belongings (His mothers St Christopher and our friends heavy duty battery and ground anchors)
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