Bestinsurance Opiniões 

89
TrustScore: 3.5 em 5

3,6

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Classificada 1 em 5 estrelas

Will do ANYTHING to get out of paying out on claims. You take out a policy in good faith and then when you actually need it, this company will go to any lengths to squirm out of their contract. Dis... Ver mais

Classificada 5 em 5 estrelas

Was easy to arrange. Covered me per the T&Cs of the policy. I'm recommending this product to friends. The claim process was a little tedious but expected I guess for insurance companies, lots of infor... Ver mais

Classificada 5 em 5 estrelas

I purchased a best insurance policy approximately seven years ago. At the time, I didn’t think I would ever need it but purchased as a precaution. The adviser was easy to work with, communic... Ver mais

Classificada 5 em 5 estrelas

I've been paying for this income protection policy for several years, and unfortunately I've recently had to make a claim. The whole process has been professional from start to finish. As long as y... Ver mais

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3,6

Aceitável

TrustScore: 3.5 em 5

89 opiniões

5 estrelas
4 estrelas
3 estrelas
2 estrelas
1 estrela

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Respondeu a 7% das suas opiniões negativas

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3,6

Todas as opiniões

(89)

41 opiniões nos últimos 12 meses

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Classificada 1 em 5 estrelas

Income protection is a scam

Bought Income protection from them. They found every excuse to not pay out which for me was i found a new job too fast. Avoid at all costs. They would get technical with terms like "unemployment". So i was unemployed for 2 months, however 1 was paid in liu and so they said i dont get insurance. This also meant btw that i didnt get universal credit. So basically i was in a worse place in getting insurance with them than i would have been without it. Worst decision i ever made working with them.

11 de julho de 2025
Opinião espontânea
logótipo da Bestinsurance

Resposta da Bestinsurance

Hi Dominic,

Thank you for your review.

We are sorry you were disappointed with the outcome to your recent unemployment claim; we are certainly sympathetic to your situation. However, following a conversation with the claim administration team, they informed us that you were in receipt of Payment in Lieu of Notice (PILON). Meaning your previous employer had already paid you for that period, as per your contractual agreement with them. Income protection covers you for loss of income and therefore you must NOT be in receipt of, or entitled to, payment in lieu of notice, even if that payment forms part of a settlement or settlement agreement between you and your employer. This is standard across all unemployment income protection policies not just those offered by Best Insurance.

Additionally, when claiming on an Income Protection policy, you must satisfy the waiting period to be eligible to receive at least one benefit payment. Typically, the waiting period will either be 60 or 90-days. So, if you are entitled to PILON, this will delay the start of your waiting period until your lieu of notice period ends and you are no longer in receipt of money from your employer.

That said, I am extremely pleased that you were able to secure a new position so quickly, many other policy holders are not so lucky, hence unemployment income protection provides piece of mind should the search for a new position take long than expected. For clarity, had you been unable to secure a new position, (and subject to the usual claim requirements) you would have been paid a tax-free monthly payment either until you secured a new position or for a maximum of 12 months, whichever was the sooner, thus providing you much needed financial breathing space.

This information would have been made clear when purchasing your policy and was also contained within the policy wording document that was sent following purchase. If you believe that this information was not provided to you then please let us know by contacting our dedicated customer support team on 0330 330 9465; alternatively you can email us at customersupport@bestinsurance.co.uk.

Classificada 1 em 5 estrelas

The policy is not worth the paper its…

The policy is not worth the paper its printed on. Scam artists avoid at all costs. They continue to take payments while they investigate claims then make up any reason not to pay out. You might as well just burn your money, avoid at all costs warn all your friends and family to avoid absolute cheaters and scam artists!!

17 de dezembro de 2024
Opinião espontânea
Classificada 1 em 5 estrelas

Do not trust this company

Do not trust this company, the bottom line is they do not want to pay even when your claim is solid, they constantly delay and won’t give a decision let alone pay, I am in the process of formerly complaining which will then go to the ombudsman. Avoid!!!

18 de setembro de 2024
Opinião espontânea
Classificada 1 em 5 estrelas

Again I did not qualify for the…

Again I did not qualify for the criteria of the policy, which I didn't know about, as I had to work 6 months, I didn't make it out of the probation 8th Jan to 7 June this is the second time I haven't been able to claim bad bad bad bad I have emailed them as well read everything and they ask for details all the time and even when you have sent it to them they ask for more, they take ages to respond to emails and always pass the book when you phone

7 de junho de 2024
Opinião espontânea
Classificada 5 em 5 estrelas

I bought a policy from best insurance…

I bought a policy from best insurance last year for unemployment cover and I had to recently make a claim as I was made redundant. The claim process was simple and straightforward and was paid my claim with no problem. The stress of being made redundant and then the  thought a stressful claim process was too much but I was surprised to how straightforward it was. Thank you best!

29 de junho de 2023
Opinião espontânea
Classificada 5 em 5 estrelas

Great company, easy to deal with

Emily was superb, she made me feel at ease instantly and explained everything in a way that was understandable. The plan was affordable and gave me the cover I wanted. I would highly recommend Emily and Best for a friendly and efficient service

3 de abril de 2024
Opinião espontânea
Classificada 1 em 5 estrelas

Fraud company. Fraudulent activity / procedure

When they tell you that they will arrange direct debit being setup by third party company that means they will be arranging credit agreement with some 3-party lender which will impact your credit score adversely.

(I had clearly asked to the personnel that would this policy taken by best insurance would cause any negative impact on my credit score, he said clearly no. However, it has impacted my credit score) beware of this fraudulent activity.

They would then tell you that it was your broker/sale process who opt in. They will claim that best insurance is only policy administrator.

However, all the marketing leads are being passed by this company to these brokers. Basically, when you fill the form on their website, they will pass your information to a broker who would say that he is from best insurance. However, best insurance will never take responsibility of the information shared by this broker/sales guy/ whomsoever this guy was.

Pathetic.

They trap you in the way that you could not cancel your insurance in the middle of the term of your policy which you should be able to as per the cancellation terms in the policy. You will have to think twice thrice, because cancellation in middle of the term means that you are breaking credit agreement with the third party which will impact your credit score.

4 de abril de 2024
Opinião espontânea
Classificada 5 em 5 estrelas

Very knowledgeable sales agent

I had a productive conversation with a highly informed sales agent who guided me through a diverse array of products and helped me identify the most fitting policy. The setup process was swift, and I'm satisfied with the coverage I received.

7 de fevereiro de 2024
Opinião espontânea
Classificada 1 em 5 estrelas

Avoid this company

Avoid this company. You only know how good an insurance company is when you have to make a claim. Utterly deplorable level of customer service who will do anything and everything to invalidate your poilcy. I have reported to the Financial Ombudsman service. Pay a bit extra and go to a more reputable company.

6 de outubro de 2023
Opinião espontânea
Classificada 1 em 5 estrelas

Scam warning

Scam warning! This company en-debts you to them and marks you on your credit report without telling you. They then refuse to cancel within the time limit and take money from you without permission. I have reported to the Financial Ombudsman service. Avoid at all costs

2 de outubro de 2023
Opinião espontânea
logótipo da Bestinsurance

Resposta da Bestinsurance

Thank you for your recent emails and for highlighting your concerns to us. For clarity, Best Insurance is the policy administrator, as the administrator of your policy we are not involved in the sales process.

You purchased your policy via your broker, they have access to many different products and therefore can help secure cover without premiums being collected via a premium funding service which always includes a credit agreement.

Please contact your broker regarding these concerns, as the method of your premium collection, and that a credit agreement would be set up, should have been thoroughly discussed and explained as part of the sale process.

Unfortunately, as the policy administrator Best was unaware of your concerns until you raised them, this was after your policy had been incepted and your premium collections had been instructed, which is an automated process.

Following you contacting us we have responded and promptly addressed your issues, we did not receive a response to our communication. When you expressed your desire to cancel the policy, we again responded promptly with a copy of our original email resolution, which sought your preferred course of action.

We did not hear back from you until your broker requested the cancellation on your behalf. Unfortunately, by that time, the first direct debit had already been scheduled and processed.

As the policy administrator Best Insurance strive to provide timely responses, certainly within 24 - 48 hours. You reached out to us via email regarding the issue earlier this week, again we responded accordingly, and the collected premium will be refunded promptly.

Best Insurance apologises for any inconvenience this situation may have caused you, therefore we suggest you contact your broker to discuss any issues you have regarding the sale of the policy and the method of premium collections.

Classificada 1 em 5 estrelas

Had to take out a ccj against…

Had to take out a ccj against underwriter but Davies group won't accept any court ruling. Best insurance is a dormant company .

2 de fevereiro de 2023
Opinião espontânea
logótipo da Bestinsurance

Resposta da Bestinsurance

For clarity Best Insurance is a trading style of Best Risk Management and Financial Service limited, which is not a dormant company and has been trading since 2009 as a regulated entity. Best Insurance is a policy administrator and provides policy administration services on behalf of the Insurer. Davies Group are claims administrators and process claims on behalf of the insurer, these functions are very different, however we have tried to contact you on multiple occasions going back to 2022 without success or response.
Without understanding the lower detail of your particular situation we cannot comment further on the reasons for the decisions made by Davies Group.

Classificada 1 em 5 estrelas

Avoid like the plague!

Changed my bank account and immediately received a letter of default from their debt collector without receiving any letters or calls from Best Insurance. This will have a detrimental effect to my otherwise bullet proof credit rating. They were trying to charge me a fee for the 3rd party contacting me.

Obviously I cancelled the policy immediately. I'm surprised they have any customers.

This company's practice stinks -- Avoid like the plague!

3 de agosto de 2023
Opinião espontânea
logótipo da Bestinsurance

Resposta da Bestinsurance

We have tried contacting you through trust pilot to request some information so we can look into this further, but unfortunately have not received a response.
Best Insurance use a 3rd party for collection of monthly direct debits however we do not use any debt collectors. If a monthly premium was missed due to change of direct debit details, an automated letter would have been issued to inform you of the missed payment.
If you could please respond to our request for information, we will be happy to look into this further.

Classificada 5 em 5 estrelas

Great customer service for queries

I've interacted with the client service team to update my address and ask some general questions about the policy. Spoke to Al, call answered in 2 rings, address updated, questions answered which transpired i was not entitled for lower premiums after a review (only downside here is that I didn't receive the communication on this - it was sent in october, so may have missed in my emails or junk folders). The policy documents were reissued on the call and received. This is of course based on my service experience, and not a claim interaction.

21 de novembro de 2022
Opinião espontânea
Classificada 1 em 5 estrelas

Making a claim is stressful

Many of the reviews I have read are based on ease of purchase of a policy. Of course!
However, when you legitimately need to make a claim, this is where the fun begins. I was made redundant from my job after 24 years' service December 2021. The first payment I received was in June 2022 and that only after a great deal of effort, wrangling etc to prove that I was indeed unemployed. I understand that people have perhaps abused the system, but the jumping through hoops every month to claim what is rightfully yours (because you've paid very high monthly premiums for it) is stressful and leaves a very sour taste indeed. It could be that all insurance companies act in this manner - I don't know; I'm not in the habit of making claims, but I do know it's not been an easy time to actually get the underwriters to pay ... I believe one is eligible to claim for a period of up to 12 months. Having received 3.5 months at this stage, I was advised in writing this week that my policy won't be renewed in November because I'm too old!!! Food for thought here, Ladies and Gentlemen.

16 de setembro de 2022
Opinião espontânea
Classificada 5 em 5 estrelas

What a great service

What a great service!
I enquired about Life insurance, spoke to a specialist called Emily and after a great conversation about my needs, I have saved a fortune on all my protection. I now have life, critical illness and my income protection done, saving me over £180 per month. Now I am waiting for my house insurance to come up for renewal and I will call Emily

5 de abril de 2022
Opinião espontânea
Classificada 1 em 5 estrelas

Ripped off

I was insured with them 8 year. They randomly trebled my insurance then canceled it for no reason. They told me I could take out another policy if I liked but I'd have to start again from scratch. Click on their google reviews and you'll notice that the 5 star reviews come from people who review companies world wide.... hmmmmm

7 de janeiro de 2022
Opinião espontânea
Classificada 5 em 5 estrelas

Great service

Great service, very professional, courteous staff and an excellent management team! I'd highly recommend anyone buying insurance!
Thank you

10 de dezembro de 2021
Opinião espontânea

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