Essential Insurance Opiniões 23

Awful Experience - do not share your details! They will bombard you with calls from various numbers. It feels as if someone has given your number to scammers. Call after call after call - no voicemails, no emails...just lots of unknown numbers calling. The worst first impression.

I requested a simple quote from a comparison website, and immediately I received a call that lasted an entire hour. All I wanted was a straightforward quote via e-mail. During the call, I told the representative that I would take some time to consider their offer until mid-December (and it is not even December yet). Since then, I have been receiving multiple calls EVERY SINGLE DAY, marked as “Likely Nuisance”, and even from another number based in Manchester. I have also received several emails. Today, I just exploded and shouted on the phone.
This behaviour is borderline harassment, and I would never trust a company that operates with such aggressive sales tactics. I also read on TrustPilot that they have a “surprise” cancellation policy, which was never mentioned to me during the one-hour call.
Harassment is not a good way to encourage potential customers.

I bought insurance from this company, and it was very confusing. The person who helped me didn’t seem to know much and gave me wrong advice. Now I’m stuck with a policy I don’t understand, and he’s not even picking up my calls. Very disappointed.

I DO NOT recommend filling out an online inquiry form. Between the form and a call We changed our minds about progressing the inquiry with them and on the first call let the advisor know this. Since last night they have incessantly been calling us for a total of 4 calls in ~18 hours l, with 3 last night from a handler using several different numbers to get us to pick up.

I recently had the pleasure of using Essential Insurance, and I must say, their service surpassed all my expectations. From the moment I reached out, their team was exceptionally responsive, knowledgeable, and genuinely cared about finding the best plan for me. The entire process was smooth, efficient, and stress-free. I highly recommend Essential Insurance for their outstanding customer service and comprehensive coverage options.

If ever there was a zero star rating..this company is a fraud! DO NOT do business with this brokers, go straight to the insurance companies as Essential will hassle you, call you incessantly when you cancel. They tie you down for 4 years and charge you for cancelling. Bad experience I have had that still leaves a sore taste! Stay away from them!

The initial interaction with the sales gentleman was good and well carried out.

However post the on boarding I effectively had to take over control of the process, chase the selected insurance provider as I was told my policy was live on 23rd April 2024. But I received no formal Policy documents from the selected insurance company. After waiting endlessly for the policy documents and being called by another section of Essential Insurance stating the documents were on their way, on 6th April I called the Insurance company directly to ask why I had not received the Policy documents, since 23rd April.
The insurance company replied that the Policy had not been activated by Essential Insurance and so I was not covered as yet !! So I had been exposed for all this time. Had I not taken the initiative to find out what was going on, it is clear that I would have remained without Policy after all the time and effort giving very confidential details to Essential.

Very poor management of the completion phase and activation of my policy.

As I write today 10th May, I was promised the policy documents would arrive by email or post two days ago. As yet I have received no policy documents. !!

Not impressed at all.

As with previous reviewers watch out for the hidden exit fee of £195 if you cancel before the end of 4 years. Would totally understand a 1 month notice period like MOST financial products, but this is a rip off.

Avoid, they don’t make it clear regarding the cancellation fee, which is only mentioned in a leaflet sent to you. The insurance provider themselves don’t charge a fee but as brokers they do 195£. Although not a contract they will be persistent on claiming this back. Avoid unless you plan on staying with them for 4 years before changing providers or go with them and stay for another 4 years. Bad business ethics.

Absolutely awful company take your money and run.
I rung this company has I wanted critical illnesses cover as I’m self employed and wanted to make sure I was covered if I was ever critically ill. In February 2022 I was diagnosed with cancer. This company took me through Legal & General. They totally miss sold me this policy as when it came to pay out legal & General told me I wasn’t covered by the policy they had sold me. So 8 hours of surgery been left with a disability and I’m not covered. A guy called John was supposed to be helping me and now he knows that both Essentail insurance and Legal & General are in the wrong and are just blaming each other he not dealing with this anymore. I just wish I had read the reviews before taking out this policy. Disgusting company and they should be ashamed of themselves miss selling policies and they should be shut down. The Ombudsman is now dealing with my case even they think it’s disgraceful. Stay away

I originally found Essential Insurance through an internet search and at the time they were highly rated on Trust Pilot.

I have been looking like many of us at ways to reduced our outgoings so was delighted when Jade from the company rang me today to reassess our needs and see if she could save us money.

I was very impressed that she managed to save us £19 a month on our mortgage protection and life policies.

It took time but Jade was clear, helpful and friendly throughout.

I would have no hesitation in recommending this company.

Tried to charge me £195 to cancel my policy with AIG even though I’m changing to be with AIG. They charged me £44 a month and AIG are charging me directly for £14!!! AVOID!!!

They send a threatening letting trying to charge £171 as I cancelled the policy with Aviva who had no issue atall. But ‘Essential Insurance’ do. Absolutely despicable company

t’s Disgrace of a fraud insurance online. My car insurance was meant to take my £489.9 deposit but it failed according to them when I did it online it went blank screen and they took my money this is disgrace of a online can’t even refund me my money they telling me That they haven’t received my money when I’m telling them that I did it online which they took £489.9 which the money should of been in my account if it failed like they said it did but they got it pending customer they need to accept it or decline it like my bank provider said but there service are useless and rude they all need fireing so guys go get your self better insurance provider useless people are good for nothing moneys gone out and they should refund my money or give me the policy wasting my time .

Terrible service. They are insistent on charging you £195 pounds if you dare cancel within the 30 day cooling off period because you did not tell them - you went to Legal and General who didn’t have a problem with the cancellation- but they somehow do. Avoid at all costs - this should be escalated to financial ombudsman

Be aware at all cost to yourself that they will try and charge you £195 to cancel if you change your mind and wish to move to another supplier within four years of taking out a policy through them. They are a broker so I’m sure they get commission on the sale of the product at the outset. I was told that if you cancel then the insurer claims back money from them and they have to cover their costs and that is when the ‘ADMIN FEE’ of £195 comes in. Makes no sense business wise to me, plus I don’t have a contract with them or have signed any agreement with Essential. Scaremongering and daylight robbery! Now I expect they will hound me for the ‘FEE’. Avoid this Brooker like the plague!…

Been reading all there wonderful reviews on freefo about essential ins Well am still thinking 1 star is generous. During covid19 i only found out my life insurance policy had been cancelled when i recieved my quarterly bank statement. I called them and restarted it. BUT TILL THIS DAY I HAVE HAD NO APOLOGIES FOR THIS. Or reason why this has happened. 5 star my ar... If i had died during that cancellation policy time essential would have ignored my family's needs.

Avoid this company like is was worse than COVID.
I took out a policy through them with Legal and general and had it for just under a year but due to circumstances, i had to look for a cheaper deal which I found. I contacted legal and general to cancel and asked if there were any fees to pay and was told no as the reason was understandable. After 1 month I received a call asking as a follow up about the cancelled policy when they tried to sell me another sales pitch and I refused the advisor (hahaha) told me that I would then have to pay them and not legal and general who I had the policy with a £195 pounds for cancelling. The advisor then set about trying to in my opinion bully me with words to pay which I refused as I explained that there were no fees from the policy. I then informed the"gentleman" that we should end the call and follow whatever procedures were next.
So, in summary, this company are happy when they are taking money BUT when you no longer pay them they try to BULLY you with dirty TRICKS.

AVOID AVOID AVOID AVOID COVID

Really great service and the cheapest of all the quotes I found

I had a good experience with Essential insurance, they directed me to the cheapest quote and was very patient with me when I needed help in deciding what to do. Very friendly and not at all pushy, I felt at ease using them and had a lovely advisor who couldn't do enough for me.
The whole process went smoothly and with no hassle or fuss at all.
Definatley recommend