The company
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Royal & Sun alliance is a leading insurance company for building & contents although they do offer various other products but are well known for insuring the above.
They offer Insurance direct or through intermediaries such as AA, Swinton, Sainsbury's insurance e.t.c. ... Read review
Advantages: Able to offer cheap quotes Disadvantages: See op
The company
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Royal & Sun alliance is a leading insurance company for building & contents although they do offer various other products but are well known for insuring the above.
They offer Insurance direct or through intermediaries such as AA, Swinton, Sainsbury's insurance e.t.c. which are all paid commission by Royal & Sun alliance. (they have also recently launched there new service known as More than offering ... ...my house was insured by Royal & Sunalliance for both contents & buildings rather than AA or Swinton. Which realised when I made a claim later that year.
When my household insurance was due for renewal I decided to go direct thinking it would save money as there would be no commission being paid to the intermediaries well I was wrong....... & had a strange experience while recieving quotes for the Insurances.
The company ------------ Royal & Sun alliance is a leading insurance company for building & contents although they do offer various other products but are well known for insuring the above. They offer Insurance direct or through intermediaries such as AA, Swinton, Sainsbury's insurance e.t.c. which are all paid commission by Royal & Sun alliance. (they have also recently launched there new service known as More than offering slightly cheaper quotes.)
My Experience. -------------- I took out an insurance policy with them through AA & Swinton not knowing that my house was insured by Royal & Sunalliance for both contents & buildings rather than AA or Swinton. Which realised when I made a claim later that year.
When my household insurance was due for renewal I decided to go direct thinking it would save money as there would be no commission being paid to the intermediaries well I was wrong....... & had a strange experience while recieving quotes for the Insurances.
I firstly decided to apply on-line at the Royal & Sun Alliance website because many companies are known to offer discounts for applying on-line as they have fewer costs. I completed my on-line quote & decided it was too high to discuss this further I contacted their customer services. They were unable to locate my details & decided to preform a new quote which strangely offered a much cheaper insurance policy.
Still not satisfied I decided to shop around & obtain further quotes through Sainsbury's, Swinton & LLoyds TSB which I was informed were all through Royal & Sun Alliance. Strangely all the quotes varied greatly Sometimes the difference exceeded £100 for the same amount of cover & details.
After been given another quote I decided to enquire & was personally shocked at the way Royal & Sun Alliance worked out the costs for insurance through intermediaries or by selling direct. According to them (as i have only had experience with Royal & Sun Alliance I am unable to comment on other insurance providers.) The actual cost depends on the intermediary you are insuring through & how many previous claims the particular company has had with R & S Alliance.
To conclude ----------- I personally feel that this is unfair to the cunsumer, as they are not being judged on the way they have handled insurance in the past, rather the companies they have come through.
Advantages: Easy, fuss free claims Disadvantages: Need to use their recommended suppliers to get the best deals
...months, I'm glad 'm with Royal & SunAlliance (RSA). I didn't select them myself, I'd gone through brokers chasing the best deal. Cheap doesn't always equal good, but RSA were very competitive for the cover I wanted. Back in the spring my garage was broken into and my bikes stolen. One phone call to RSA to register the claim and one to the police to register the theft. Within 24 hours RSA had arranged for Halfords to call me to value my bikes. All ... ...knocked money off for depreciation. Others would have charged me a special 'stupid tax' for my valiant attempts to make my kitchen worse. With Royal & Sun Alliance I feel I can sleep safe at night knowing no matter how inept I am, they'll pick up the pieces. ...
gollygumdrops 19.09.2001
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Ciao members have rated this review on average: very helpful Review of Royal & Sun Alliance Insurance plc
Advantages: Very friendly and organised claims advisor Disadvantages: Too many menu options when phoning the claims centre
Call me lucky or jammy or whatever, but before last year I had never made a claim on any type of insurance. Unfortunately, we had a MAJOR flood in our house last year when the mains feed into our header tank suddenly burst without warning. My husband and I were both out of work at the time and I was the first one home......
It was like a scene out of some nightmare film! There was water coming out of the windows, the front door, back door.....I ... ...Every room in our 4 bedroomed house except one was totally devastated. Once the house had been made safe (by the local fire brigade), they advised me to phone my insurance company. We were insured with RSA for buildings and MMA through the AA for our contents. And this forms the basis of the main problem - having two different companies to deal with when you are making a large and complicated claim such as ours. My first tip is to NEVER insure buildings ...
CeramicsQueen 11.02.2003
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Ciao members have rated this review on average: very helpful Review of Royal & Sun Alliance Insurance plc
Advantages: Reasonably priced premiums Disadvantages: Long time to settle claim
...smooth so here goes!!
Royal & Sun Alliance are a well known insurance provider, they are probably best known for their home and car insurance but if anything is 'insurable' I'm told they insure it.
My husband and I bought our house in October 2001 and whilst applying for our mortgage we decided to take out our buildings and contents insurance with HSBC so that we had payments going to one company rather than several. We were told that Royal & Sun ... ...was now torn. I telephoned Royal & Sun Alliance to inform them of this and ask about replacement curtains. They said that another inspector would come out to look at the carpet and someone would phone me about replacing the curtains. A week later a company telephoned me and asked what colour my settee was, I told them that the curtains needed replacing and not the settee. They didn't know why they'd been given my details as they only recovered three ...
Vicky28Vernon 29.12.2003
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Ciao members have rated this review on average: helpful Review of Royal & Sun Alliance Insurance plc
Advantages: Very quick service. Disadvantages: None.
...House and Contents insurance with Royal and Sun Alliance for some years now (originally with The Insurance Service). During this time all the paperwork has always been correct and arrived on time and the staff have always been very polite and helpful when we have spoke to any of them on the telephone. The real test for any insurance company is when a claim is made. We were recently unfortunate enough to have our youngest son’s BMX bike stolen ... ...Tuesday morning. Later in the morning I informed both the Police and the insurance company by telephone. The claim was registered and as the bike was only a few months old we still had the receipt which we sent to the insurance company by first class post. On the Wednesday we telephoned the insurance company with the Police crime reference number and were told that the Halfords Insurance Replacement Service, who would supply a replacement bike, would ...
daseaford 31.05.2001
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Ciao members have rated this review on average: helpful Review of Royal & Sun Alliance Insurance plc
Advantages: Plenty as long as you don't actually want to claim Disadvantages: Very difficult to actually get what you need if you need it
I took out my buildings insurance with my mortgage some 10 years ago, kept up regular payments and didn't really give it a second thought as I was happy we were insured should we ever need it.
Then two years ago we had some storm damage to the roof which caused flooding into the house, pulling down the ceilings in my sons bedroom and the living room directly beneath it.
I called the insurers who told us to get a quote for the damage. When I returned ... ...assessor.
A woman came, looked through the hole in bedroom ceiling and left. A week later we were told that the insurance would not cover us because the roof had not been maintained. Their reasoning was that there was no underfelt visible, apart from in one unaffected area.
Our house, like all the others in the area, were built without underfelt. We got council records and building records to back this up and sent them off. However, they were adamant ...
Angelclo 06.09.2002
· Read full review
Ciao members have rated this review on average: helpful Review of Royal & Sun Alliance Insurance plc
Competitiveness of APR
Comprehensiveness of ra...
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I have just read a comment from a Ciao member commenting on RSA.
I have got a number of quotes of them in the past for car insurance and have always found the quotes given very expennsive. It was as if the sales staff did not want to sell the product at all and that it was them doing me a favour for actually giving me a quote. But I have still gone back to them just in case they are cheap.
I have a friend who now works for RSA. He has now been there long enough now to relaise that the staff and the culture in the company makes the staff defensive and threfore the customers are treated poorly.
My advice i not to bother using RSA as they are rude and then the company may start to realise that if the staff are happy the service given will be better. ...
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