car insurance company question slightly OT

Not used them for car insurance, but our household and business insurance is with NIG, never claimed so can't vouch for them in this regard.

So I guess this doesn't help much, although they've been around for at least 6 years.

Andrew

Not used them for car insurance, but our household and business insurance is with NIG, never claimed so can't vouch for them in this regard.

So I guess this doesn't help much, although they've been around for at least 6 years.

Andrew

thanks andrew,

Quite a few years ago, I had my car insured with NIG as they were the cheapest at the time (the insurance was though Swintons but the underwriters were 100% NIG).

During the course of the insurance (actually a month before the renewal date), I had an accident, which was my fault. Come renewal time, they loaded the premium by a whopping 95%. I asked how they can justify doubling the premium, but there response was "Well you have an outstanding claim against you, so until the claim is settled we are going to charge you for it".

Part of RBS, but for Brokers rather than Directline and Churchill

thank you nick. that has helped alot. i have now decided to get my insurance through them.

Make sure you compare the voluntary and compulsary excesses between insurers.

thanks m8 allready done that. not alot of difference. all also have protected NCB

Insurer: NIG Premium: £228.00 Excess: £150 Cover Required: Comprehensive

Insurer: Fortis Premium: £308.08 Excess: £100 Cover Required: Comprehensive

Insurer: Allianz Cornhill Premium: £358.94 Excess: £120 Cover Required: Comprehensive

National Insurance & Guarantee, never claimed but they've always been pretty cheap, first time I insured with them was at least 40 years ago.

Martin

I have a business policy with them. Had a claim about a year ago. No trouble at all. Easy to get hold of on the phone too.

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

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.

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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.