Comfort Insurance-Beware

[2bob]

No all done over the phone unfortunatly however waiting for renwal quote to come through the post to see what they have put on it! ( due March)

if it was over the phone could you not ask for a recording of the phone call

 

[Oldwindsurfer]

I went for a policy from Adrian Flux once, but on reading the small print when the post arrived, I rang to cancel it.

Was told I had to pay their admin costs! After a request to speak to a manager, which never happened and a long wait on the phone, they gave me a full refund.

How are you meant to see the policy when buying online?.

Now with Saga on a fixed 3 year deal, but when that ends???

 

[two]

Comfort underwriters are Aviva are you sure it is Comfort

From Comfort's policy:
Alternatively, if you wish to cancel and the insurance cover has already commenced, you will be entitled to a refund
of the premium paid, less a proportionate deduction for the time we have provided cover. Comfort Insurance will
also charge a fee of £30.00 to cover our administrative costs (plus Insurance Premium Tax, where applicable).

I believe that, if you take out more (or renew) within a few months (maybe 6, else 3) they will refund the £30.

 

[PlymBob]

I got a fortnight's grace with them for fitting the tracker to a new van.

Likewise, they insured it fully comprehensive from pick up (in Germany and not yet registered in UK) but no theft cover till tracker fitted. I drove it straight from Germany to Vanbitz for tracker and alarm to be fitted.

 

[Lenny HB]

I believe that, if you take out more (or renew) within a few months (maybe 6, else 3) they will refund the £30.

Yes they did that last time we changed vans.

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[JJ]

Surely it can't be a case of an insurance company trying to squeeze as much money as possible from their customers?

Do insurance companies do that?

Aren't they only interested in offering their clients the best value possible?



JJ

 

[Keypresser]

I spoke to Comfort insurance yesterday (Saturday). Insurance is with Aviva and if i were to cancell it would be a £35 admin charge and refund pro-rata. Their price is still very competitive.

 

[Barbie and Ken]

I’m with Comfort just reinsured @ 85 years 30 others refused on age alone.Getting mad no accidents or claims for dont know how long ,it’s crazy lots cutting lnsurnce at 75years of age

 

[Puddleduck]

If our motorhome sells before May (when the insurance is due) we won't expect any refund as we entered into a contact for a full year and it is our choice to terminate before the renewal date.

 

[Camperchris]

Agreed… 29.9% loading for monthly (or whatever) errrrrr NO thanks!

Generally you pay extra for monthly but not with NFU. It’s one of their benefits.

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[Scotch mist]

I’ve only ever been with comfort until now , not insured for the last 1.5 years as I’m building a new house , this time with lv £405 for 89k MoHo , much cheaper than comfort
and less prohibitive conditions

 

[Keep Right On]

I've been with Comfort for 13 years always found them good had a claim about 10 years ago, no increase in premium after.
But yesterday I phoned them for an idea on the cost of the new van due in a few months looks like I won't be using them. They wanted £1000 and a tracker & alarm fitted before it leaves the dealer.

Bear in mind that for a new van, Comfort (Aviva) offer 3 years old replacement as new whereas most others it's 12 months and then wear and tear

 

[Keep Right On]

I went for a policy from Adrian Flux once, but on reading the small print when the post arrived, I rang to cancel it.

Was told I had to pay their admin costs! After a request to speak to a manager, which never happened and a long wait on the phone, they gave me a full refund.
sales
How are you meant to see the policy when buying online?.

Now with Saga on a fixed 3 year deal, but when that ends???

Thats why there's a 14 day cooling off period on private insurance - starting when the buyer has all of the documentation. Most online sales offer downloads

 

[Minxy]

Thats why there's a 14 day cooling off period on private insurance - starting when the buyer has all of the documentation. Most online sales offer downloads

Not necessarily, for many they have a clause than even if you cancel within the 14 day period you still have to pay the broker's arrangement fee.

 

[Keep Right On]

Not necessarily, for many they have a clause than even if you cancel within the 14 day period you still have to pay the broker's arrangement fee.

Thats illegal under FCA rules. Insurers are allowed to charge a proportion of the 14 days that they were on cover. The broker would need water-tight t's & c's to circumvent. A threat to query with the FCA would soon have that removed

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[Minxy]

Thats illegal under FCA rules. Insurers are allowed to charge a proportion of the 14 days that they were on cover. The broker would need water-tight t's & c's to circumvent. A threat to query with the FCA would soon have that removed

I just avoided using them, I always read the brokers Ts&Cs as well as the insurers before purchasing anything.

 

[Keep Right On]

I just avoided using them, I always read the brokers Ts&Cs as well as the insurers before purchasing anything.

You READ the small print.........

 

[Brize]

I was with comfort sold the van a couple of weeks ago and got a pro-rata refund and the policy had been in place more than 120 daydays

Same here. Changed just 4 months ago and got a proportional refund. Policy was with Aviva.

Always found Comfort good, and been with them about 8 years.

 

[Minxy]

You READ the small print.........

Of course... I used to be a PA and my boss was notorious for getting stuff wrong so I check everything!

 

[Lenny HB]

Bear in mind that for a new van, Comfort (Aviva) offer 3 years old replacement as new whereas most others it's 12 months and then wear and tear

But only up to 15000 miles so not much better than a year.

I know someone who wrote of a van at 15 months old they were over the 15000 they will still pleased with Comforts payout.

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[minesapint]

I sold my UK registered motorhome yesterday. The new owner arranged his insurance so I phoned Comfort Insurance today to cancel the policy which does not expire until mid August.
I was informed that the policy is underwritten by LV and as the policy had been in force for over 120 days there would be NO REFUND!
I was told there is no appeal to this ripoff, under the term and conditions there will be no refund! (Pease no smart aleck comments about how I should have read umpteen pages of fine print)
Anyone considering taking out insurance with Comfort should be aware and clarify with them this 120 day no refund rule.

We had insurance with CMC we sold the van and CMC refunded the remaining months. Excellent service.

 

[gwyntaxi]

I went for a policy from Adrian Flux once, but on reading the small print when the post arrived, I rang to cancel it.

Was told I had to pay their admin costs! After a request to speak to a manager, which never happened and a long wait on the phone, they gave me a full refund.

How are you meant to see the policy when buying online?.

Now with Saga on a fixed 3 year deal, but when that ends???

What's this fixes 3 year deal? Do they cover Morocco,? Do thir breakdown cover apply to motorhomes over 20 years old.? Many thanks.

 

[VXman]

Thats why there's a 14 day cooling off period on private insurance - starting when the buyer has all of the documentation. Most online sales offer downloads

When I was living in Hong Kong I came home for 2 weeks over Christmas and put my (stored) car back on the road. I took out insurance and then cancelled within the 14 days and just paid £25 admin. Also taxed for the year and then cancelled getting a 11 month refund.

 

[AG 2602]

Just renewed with Comfort £434 up £55 from last year included breakdown and unlimited windsceen cover.
Given the increases on everything these days I didn't think it was too bad!

 

[CRD]

I've been with Comfort for 13 years always found them good had a claim about 10 years ago, no increase in premium after.
But yesterday I phoned them for an idea on the cost of the new van due in a few months looks like I won't be using them. They wanted £1000 and a tracker & alarm fitted before it leaves the dealer.

It sounds like you are trying to insure a MH that is worth more than £100k, as that is the response we had from Comfort too.

SafeGuard, which use LV as their underwriters only have the stipulation about having a tracker when it leaves the dealer and weren't bothered about an alarm at all.

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[gus-lopez]

A threat to query with the FCA would soon have that removed

Yes as they have to deposit an amount of money for each complaint . At 500 a time it soon adds up.

 

[Stealaway]

Never had any problems with Comfort. Great company,highly recommended,would use them again any time.

I've always been with you brother.

I've been with Comfort for more than 14 years and they have been very good - Not today

My renewal has just landed with an increase of £328 per year???

Premium including IPT:
£562.28 - 2023
£890.89 - 2024
Fees:£0.00
Subtotal --- £890.89

Is it just me they a persecuting or is this normal???
2019 Burstner valued at at around £55k and no changes from last year ----- 'kin 'ell???

 

[bobnick]

Don't know which insurance thread i mentioned my bike renewal quote had come down from £444 ish ish to £320 ish ish, this is with Hastings.
I did a compare thing and exactly the same details i get it for £158...........................guess who with.......correct Hastings.
It's all proper utter BOLL@CKS innit.

 

[Lenny HB]

It sounds like you are trying to insure a MH that is worth more than £100k, as that is the response we had from Comfort too.

Yes, I asked for a quote on £125k, it surprised me as that is not even an expensive Motorhome these days.

 

[AG 2602]

I've always been with you brother.

I've been with Comfort for more than 14 years and they have been very good - Not today

My renewal has just landed with an increase of £328 per year???

Premium including IPT:
£562.28 - 2023
£890.89 - 2024
Fees:£0.00
Subtotal --- £890.89

Is it just me they a persecuting or is this normal???
2019 Burstner valued at at around £55k and no changes from last year ----- 'kin 'ell???

It makes no sense!! Given the comments on here I was all ready to change but then they gave me a quote with just £55 increase over the previous year so I took it. We have a Pilote insured at £63k kept on a secure site (a farm with caravan and motorhome storage). The van has an alarm and tracker but I think thats something that Comfort insist on for all customers. Have you tried calling them?

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