Claimscog Opiniões 

My experience with this insurer

I am currently in dispute with this insurer following the rejection of an Accident & Sickness claim.

The reason for the rejection is particularly concerning to me. The policy wording being relied upon contains a requirement referring to a Primary Care Trust, despite Primary Care Trusts having been abolished in England in 2013.

I have repeatedly asked the insurer to explain how I could possibly satisfy this requirement under the current NHS system. I have provided evidence of the assessment and treatment pathway I have actually followed and explained that the NHS no longer operates through the organisation referred to in the policy wording.

Rather than addressing how this apparently obsolete requirement can reasonably be applied today, the insurer has maintained its position and I have now had to raise a formal complaint.

The matter is now being investigated under the insurer's formal complaints process. I understand that they have up to eight weeks to provide their final response, but this leaves me in an extremely difficult position in the meantime.

I appreciate that the complaint is ongoing and therefore I am not presenting this review as a final judgement on the outcome. However, I feel it is important to share my experience because I believe there is a legitimate question about the application of this policy wording and the way my claim has been handled.

I also cannot help but wonder whether I am the first customer to encounter this issue, or how many other customers may have been affected by a policy requirement referring to an organisation that has not existed for more than 13 years. If this wording has remained in policies throughout that period, it raises a reasonable question as to whether other customers have encountered the same difficulty without realising that the requirement itself may be impossible to satisfy as written.

However i should note the Jamie who i was dealing with was very nice and helpful, so 5* for jamie, this review iscin the process, not the front facing staff.

I had a very positive experience with Claims Cog. Lelo Dida was extremely responsive, patient, professional and clear throughout the process. She took the time to explain everything properly and was always helpful whenever I had a question. Excellent customer service, thank you, Lelo!

The customer service and response to any queries I had
were excellent and my claims handler was very efficient in his help, information, knowledge and support of process.

Molly Wood very professional and has followed up on all of my requests and communicated the process to claim very clearly

Once all documents were in a decision was made quickly for me in my case.
I appreciate Claims Cogs good level of communication with me.
What has been an extremely unpleasant and stressful time so far has now been eased slightly.

ihad an Accident & Sickness claim handled under Claim Reference the service from the Claims COG team was excellent. Communication was clear, the process was smooth, and my claim was resolved quickly. Really pleased with the support provided.

Jordan was responsive, knowledgeable, and professional throughout the process, which made everything much less stressful. I was reminded monthly of when to submit evidence and when payment would be made.

The only thing I wish I’d checked beforehand was what would be considered a reasonable number of job applications and how much time would realistically be allowed for interview preparation. I wasn’t sure if I was doing too little or too much until the second month, and job searching/interview prep can be emotionally and mentally exhausting.

Overall, I’m very grateful I had this cover in place when I needed it.

Systematically they are taking £61.65 from my account even today when they assured me my payment will go through. It hasn't, although I have sent about 40 emails with detailed documentation related to my job hunting. Their service is appalling, I did trust me but they left me now in financial difficulties. They are not offering any service

My experience with ClaimsCog has been extremely frustrating.

After a serious accident in January 2026, I was sent a 48-page claim form PDF that was not even properly set up as a fillable form. Because I had multiple serious injuries, broken bones, and virtually no use of my hands, it took me over 3 weeks to manually overlay text in this huge form.

Then, after all that time and effort, I spotted errors in the form itself and emailed ClaimsCog to query it. Seven days later, they replied admitting there had been “an administrative error within the documentation” and sent me a corrected version. The corrected version was actually a fillable PDF, which would have been extremely helpful if that had been provided from the start rather than after I had already spent weeks struggling through the original one.

ClaimsCog also appears to work very closely with Best Insurance as part of the same overall claim process, so from a customer point of view it is hard to separate the two when the communication problems seem to run across both.

Because of my condition, I contacted them to explain I was struggling and asked clearly whether the delay in returning the form would delay the first payout. I was told in writing that “there will be no delay to when your payment period will begin”.

I then submitted the completed form and supporting documents, including ID and bank statements, and was repeatedly told things would be reviewed promptly, that someone would be in touch that week, and that they would confirm whether anything further was needed.

Meanwhile, the actual lived experience has been poor communication, missed expectations, and being left in limbo while in serious financial hardship. Their earlier line saying they were there to “provide support and ensure a smooth experience for you” would be funny if the situation were not so serious.

At one point I was literally emailing from an ambulance on the way to A&E trying to confirm whether they had received my documents. That probably says enough about how this process has gone.

I have been left without income, in arrears with rent, and struggling to afford basics, while this drags on. I am now simply hoping the payout is made soon, because at this point it is vital for my survival.

Almost 3 months since my accident, and no decision yet.. Based on my experience, I cannot say the process has been smooth, supportive or well managed.

Best customer service I've had in years!
The support and claims team are beyond reproach, calm, patient and actively listen.
They never make you feel rushed, give you the time you need, and work with you on solutions empathising with your situation.
Special shout out to Daisy, Jordan, Nick and Tom for a stellar performance

I took out 2 x Unemployment (and sickness) insurance policies totalling £4k ish with Bestinsurance 4 years ago.

After 9 years in a role i was made redundant in December, i claimed mid December and by the first week of March we'd finished and it was sent for a decision. The length of time it takes is due to them essentially doing the underwriting when you claim, as obviously it's not possible before you claim.

Today i was approved for both policies, with the first payment due in a few weeks.

Everything went smoothly enough, albeit the claim process dragged on. It's worth mentioning Bestinsurance again (as ultimately, my policy was purchased through them, Claimscog is the claim handler) if you take a look at their Trustpilot review page, it'll mainly be negative. And while i was waiting for my claim to be approved, this weighed heavily in my mind. So many people moaning about getting declined.

Thankfully, if you actually read the reviews, you'll notice 95% of them are people who got rejected for a reason THEY didn't fully understand (excess period, company ownership, waiting periods etc). You essentially just buy the policy of Best Insurance, and then that's it. You're dealing with Claimscog moving forward if you need to make a claim, and so far, so good.

During an extremely stressful period of my life having been unemployed for 6 months, I have been so grateful that I had redundancy insurance through Claimscog.
They made the entire claim process very straight forward and the team are very quick to respond and always extremely supportive and professional, which is just what was needed in my time of need.
I highly recommend Claimscog and and am sincerely grateful for their support.

Absolutely amazing experience: Claimscog team and Jamie W. went to a great length and did support me during the timeframe of the entire claim. All my questions were answered and concerns addressed, which helped navigating the stressful situation as it was approx 6 months process due to complexity of case.

I have to be honest I was dreading making this claim as I thought they would make the process difficult. Don’t get me wrong you have to supply a lot of documentation but the service provided particularly by India Nicholson who handle my claim was very good. She was always quick in replying to any questions I had and kept me informed throughout.

Excellent customer service to Lelo Dida,
Molly Wood and all the team.
My insurance claim was assest and payments processsed faster than i thought.
The help and kindness i have received goes beyond 5 Star.
Molly and Lelo kindly carried out additional phone calls on my request,without hesitation.
Very professional attitude.I am very happy that i have this insurance company and would reccomend it to everyone
They have been very patient and understanding through a emotionally bad time for me.
Just this morning i called Lelo ,i am going through a very bad time and it was lovely chatting to her ,she took her time to listen ,very kind hearted lady.