How do you take out your contents and building insurance? I hope you don’t just renew every year and that you look at comparison sites for switching insurance, energy etc. I do this but do do a little more. I also check the site that comes out the cheapest.
Comparison v direct
Last year MoreThan came out cheaper on the Moneysupermarket comparison site. But this is when it got odd. I went through Moneysupermarket.com and got a reference number and password which did not work when I clicked to go through to the website. The quote included some cover which I did not wish to have. I looked to see if I could ‘phone to discuss the quote and noted that only an 0844 number was provided. It is now illegal to only provide such numbers for customer helplines under the The Consumer Rights Directive 2013 but oddly it was provided at a later date but it wasn’t on the website!Secondly I tried to use Topcashback* (excellent cashbacksite) and get a quote from MoreThan directly. This seemed to come to much MoreThan the Money supermarket.com quote! But it did not include the cover that I didn’t want! It also requested details on specific items which was not included on the Monesysupermarket.com site. The Moneysupermarket.com quote listed certain other items and not others. Basically, the comparisons between the two sites were ridiculous and one could not change them either.
So off went the email to the CEO as I felt that something was seriously flawed with their systems. Why can’t you just get the same cover going through the comparison site as going direct? Why does it cost more direct for a different cover and you can’t use the cashback site when going through the comparison site for the cheaper quote. I stated that I wanted the price stated with moneysupermarket.com minus the cover I didn’t want and to include the cover I did. I also expected to receive the £21.00 Topcashback to which I felt entitled. I got a new quote about £100 more than other quotes in order to get everything I wanted, and a cheque for the difference between the new quote and the cheaper Moneysupermarket.com quote plus the £21 cashback.
I’m not sure that any Laws were broken here, although one wonders about misleading practices and the Consumer Protection from Unfair Trading Regulations 2008. I do think it’s poor practice and would advise anyone looking at their insurance to explore all possibilities and to look at the comparison sites and then look at the site directly for further comparison. Make sure you have the cover you want and contact the company if you see anomalies. My guess is that this practice is quite widespread and that we need to make sure that we are not being ripped off as well as ensuring that we have the cover that we want and need.
Lots more information about comparison websites, approved sites etc here.
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