my renewal is up in a week and a half, i have had several online quotes, mostly around £300 to £350, for fully comp. but one came back at £228.00, this includes a fee for protection of my NCB.
the thing is i have never heard of or been with the company. its called NIG, that is all i knowabout it, do anyone on here know anything about the company. i would like to save the extra £100, but not at the cost of being messed around with should i ever need to place a claim.
the policy summary is the same as "Fortis" and "Allianz Cornhill "
NIG - I wouldn't give them many out of ten. They seem to be more keen on taking the easy way out than taking a stand on behalf of their customers.
I was an innocent party and NIG were quite happy to go along with a
50/50 deal as the third party suggested. I had provided photographs of the damage to both vehicles with my original 'story'.
In reply I suggested that the evidence indicated nothing other than that I was the 'victim' and provided further photographs showing the position of the debris on the road surface.
NIG's response was that there was nothing on the photographs to show that the debris belonged to the third party's vehicle and would not stand up in court.
I then suggested that they get 'someone who knows what they are looking for' to review the photographs repeating that my explanation of the events was the only one that held water. I asked for a copy of the third party's story (which they had not even requested!).
They then did an about-turn, said that they now agreed with my explanation and stated that the 50/50 proposal would be rejected. Fine - but the matter is still unsettled over a year after the incident. The car's mended but I've got a large excess and some no claims bonus to recover.
I won't be using NIG again.
Thanks for reminding me that I need to go on the attack again.
This would appear to be standard behaviour. They tend to do what is most cost effective for them regardless of what is best for you, whether you pay extra for the legal cover or not.
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