Tesco Motor Insurance are useless?
Discussion
I'm actually in the middle of a very good experience with them.
Had someone accelerate into the back of me at a set of traffic lights last week.
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They've arrange garage collection of my car for analysis/repair and arranged a courtesy car drop off too.
Everything has been faultless so far. Safe to say they've impressed me by comparison to all of the insurance horror stories you read online.
Hopefully they'll complete the process as efficiently as they started.
ETA: The only downside has been the £14 in phone calls spent on the phone to both Tesco and Albany.
Had someone accelerate into the back of me at a set of traffic lights last week.
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They've arrange garage collection of my car for analysis/repair and arranged a courtesy car drop off too.
Everything has been faultless so far. Safe to say they've impressed me by comparison to all of the insurance horror stories you read online.
Hopefully they'll complete the process as efficiently as they started.
ETA: The only downside has been the £14 in phone calls spent on the phone to both Tesco and Albany.
cjb1 said:
Anyone had problems with Tesco Bank Car Insurance?
my problem has been with their administration department and me providing them with confirmation of NCB. I keep sending them letters but they claim not to have received them, they cancelled my insurance without telling me!!Didn't have any issues with this bit either.
Just photocopied my renewal from Diamond (previous insurer) and posted it off to the address provided.
Never heard anything back from them so I assumed it was all ok. I seem to remember they said if you don't hear from us, it's all OK, we'll contact you if we need anything type-thing.
I didn't send via recorded delivery or anything, just first class post.
Can you email them proof?
Just photocopied my renewal from Diamond (previous insurer) and posted it off to the address provided.
Never heard anything back from them so I assumed it was all ok. I seem to remember they said if you don't hear from us, it's all OK, we'll contact you if we need anything type-thing.
I didn't send via recorded delivery or anything, just first class post.
Can you email them proof?
Tesco Ins have been excellent the last two years, a smidge over £200 a year for my M5 is good considering the high level of cover & insurance add-ons I have.
The Admin dept have also proved to be competent, honouring the web quote rather than the automatic renewal quote even suggesting I put the wife on to reduce my cost further still.
NCB's can differ from company to company, Tesco is 9 years max when some others might only be 5 years max. You need to make sure if your transferring that the correct amount is mentioned rather than the specific company's maximum.
The Admin dept have also proved to be competent, honouring the web quote rather than the automatic renewal quote even suggesting I put the wife on to reduce my cost further still.
NCB's can differ from company to company, Tesco is 9 years max when some others might only be 5 years max. You need to make sure if your transferring that the correct amount is mentioned rather than the specific company's maximum.
CallorFold said:
I'm actually in the middle of a very good experience with them.
Had someone accelerate into the back of me at a set of traffic lights last week.
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They've arrange garage collection of my car for analysis/repair and arranged a courtesy car drop off too.
Everything has been faultless so far. Safe to say they've impressed me by comparison to all of the insurance horror stories you read online.
Hopefully they'll complete the process as efficiently as they started.
ETA: The only downside has been the £14 in phone calls spent on the phone to both Tesco and Albany.
Albany! Crash Management Companies seem to do their best to inflate the cost of your claim. Presumably they get a cut of the claim from Tesco.Had someone accelerate into the back of me at a set of traffic lights last week.
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They've arrange garage collection of my car for analysis/repair and arranged a courtesy car drop off too.
Everything has been faultless so far. Safe to say they've impressed me by comparison to all of the insurance horror stories you read online.
Hopefully they'll complete the process as efficiently as they started.
ETA: The only downside has been the £14 in phone calls spent on the phone to both Tesco and Albany.
CallorFold said:
I'm actually in the middle of a very good experience with them.
Had someone accelerate into the back of me at a set of traffic lights last week.
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They've arrange garage collection of my car for analysis/repair and arranged a courtesy car drop off too.
Everything has been faultless so far. Safe to say they've impressed me by comparison to all of the insurance horror stories you read online.
Hopefully they'll complete the process as efficiently as they started.
ETA: The only downside has been the £14 in phone calls spent on the phone to both Tesco and Albany.
I hope you read the terms of your courtesy car agreement carefully...Had someone accelerate into the back of me at a set of traffic lights last week.
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They've arrange garage collection of my car for analysis/repair and arranged a courtesy car drop off too.
Everything has been faultless so far. Safe to say they've impressed me by comparison to all of the insurance horror stories you read online.
Hopefully they'll complete the process as efficiently as they started.
ETA: The only downside has been the £14 in phone calls spent on the phone to both Tesco and Albany.
TankRizzo said:
I hope you read the terms of your courtesy car agreement carefully...
Agreement seems OK, as long as I don't damage the car in any way. I've got the car for as long as mine is in for repair, and if it's written off I can keep the hire car until cheque is received + 7 days on top.
Costs are all listed at "NILL" other than £15 fuel charge.
Anything in specific you think I should be re-reading?
CallorFold said:
Agreement seems OK, as long as I don't damage the car in any way.
I've got the car for as long as mine is in for repair, and if it's written off I can keep the hire car until cheque is received + 7 days on top.
Costs are all listed at "NILL" other than £15 fuel charge.
Anything in specific you think I should be re-reading?
Is it a Credit Hire agreement? These companies often will have clauses to pursue you for the cost of the hire car credit if the third-party insurer refuses to pay them. Be careful. I've got the car for as long as mine is in for repair, and if it's written off I can keep the hire car until cheque is received + 7 days on top.
Costs are all listed at "NILL" other than £15 fuel charge.
Anything in specific you think I should be re-reading?
You can always deal directly with the third-party's insurer, I'm sure they will be happy to provide you with a car rather than having to pay the cost of a vehicle on credit hire through an AMC.
TankRizzo said:
Is it a Credit Hire agreement? These companies often will have clauses to pursue you for the cost of the hire car credit if the third-party insurer refuses to pay them. Be careful.
You can always deal directly with the third-party's insurer, I'm sure they will be happy to provide you with a car rather than having to pay the cost of a vehicle on credit hire through an AMC.
It is a credit hire agreement, yes.You can always deal directly with the third-party's insurer, I'm sure they will be happy to provide you with a car rather than having to pay the cost of a vehicle on credit hire through an AMC.
Here is the wording from the bit you've highlighted;
"These services have been offered by Helphire because you have told Albany Assistance that you were not at fault in a motor accident so you should recover your hire and repair charges from the party that caused the accident. Payment must be made to Helphire within 49 weeks but it is expected that payment for the hire and/or repair services will be made by the party at fault in the motor accident or will be met under the terms of your Albany Assistance policy."
Under the circumstances, it's highly unlikely the 3rd party has a leg to stand on in terms of not admitting fault so hopefully, this shouldn't be an issue!
Hard to be brief about this, but I'll try.......I was insured with Tesco several years ago, stopped as a witness to a serious two car collision I wasn't directly involved in, but which happened while I was overtaking both vehicles on a straight road that I know very well.
All of the emergency services were required to attend, and I was questioned by the Police. I explained where I was and what I was doing, and they were happy with it. Shortly afterwards, I was informed in a letter from Tesco that I was being held responsible for causing the accident and that I should get in touch. I did so, and was informed that they would want to speak to the attending officer. This they did, and were told that there would be no action taken against me, his opinion being I'd done nothing wrong.
My renewal came through, with " one claim notified " written on it. When I enquired as to why this was, it transpired that Tesco had paid £27 for a copy of the Police report which exonerated me............despite repeated attempts I was unable to make them see the injustice of that, and I obviously now have as little to do with them as a company as possible.
So, in short, yes, I have bad things to say about them. Good luck if you go ahead.
All of the emergency services were required to attend, and I was questioned by the Police. I explained where I was and what I was doing, and they were happy with it. Shortly afterwards, I was informed in a letter from Tesco that I was being held responsible for causing the accident and that I should get in touch. I did so, and was informed that they would want to speak to the attending officer. This they did, and were told that there would be no action taken against me, his opinion being I'd done nothing wrong.
My renewal came through, with " one claim notified " written on it. When I enquired as to why this was, it transpired that Tesco had paid £27 for a copy of the Police report which exonerated me............despite repeated attempts I was unable to make them see the injustice of that, and I obviously now have as little to do with them as a company as possible.
So, in short, yes, I have bad things to say about them. Good luck if you go ahead.
woodypup59 said:
Quote "Under the circumstances, it's highly unlikely the 3rd party has a leg to stand on in terms of not admitting fault so hopefully, this shouldn't be an issue!"
Provided the third party can be traced / admits liability / has insurance.
They can be traced and do have insurance. It was/is a company car.Provided the third party can be traced / admits liability / has insurance.
Edited by CallorFold on Monday 14th July 13:50
I've come from a company car to owning my own again. Tesco said that they would give me discount based on the length of time I drove the company car providing I could present them with proof of no accidents or claims in that period. I got a letter from my employer that stated I had had the car for the entire term of my employment and that I'd had no claims during that period. Tesco wouldn't accept the letter saying it was insufficient. I phoned and asked what info they actually wanted, wrote it down, read it back and got their agreement that if I provided that they would be satisfied. They also agreed on the phone (recorded at their end of course) to let me email the document in to them. So, the same day I went back to my employer and got a second letter with the required info on it, forwarded that to Tesco the same day, two minutes after sending it I received an automated acknowledgement of receipt of the email. In their second letter the had said that they would cancel my insurance if the second letter from me was not received by the 14th July (Today). They also told me that they would phone me if there was any problem with the second letter. I got no phone call so assumed all was well. Because I just don't trust them I phoned today to check all was well, it wasn't, they claim they didn't receive my letter by email (that's the letter that I got an automated receipt for BTW) and they had cancelled my policy as of this morning.
They would not accept any responsibility for the loss of my letter just saying my policy was cancelled and I'd have to take out a new one, and my deposit would be refunded within 7-14 days. Bunch of baffoons!
They would not accept any responsibility for the loss of my letter just saying my policy was cancelled and I'd have to take out a new one, and my deposit would be refunded within 7-14 days. Bunch of baffoons!
CallorFold said:
Under the circumstances, it's highly unlikely the 3rd party has a leg to stand on in terms of not admitting fault so hopefully, this shouldn't be an issue!
It's not about the third-party fault, it's the chance of the insurer refusing to pay the massively inflated credit hire charge and disputing it with the AMC (Albany in this case). If Albany cannot get the cost of the car back from the insurer, they will come after you for it - because you have signed all the credit agreements.cjb1 said:
I've come from a company car to owning my own again. Tesco said that they would give me discount based on the length of time I drove the company car providing I could present them with proof of no accidents or claims in that period. I got a letter from my employer that stated I had had the car for the entire term of my employment and that I'd had no claims during that period. Tesco wouldn't accept the letter saying it was insufficient. I phoned and asked what info they actually wanted, wrote it down, read it back and got their agreement that if I provided that they would be satisfied. They also agreed on the phone (recorded at their end of course) to let me email the document in to them. So, the same day I went back to my employer and got a second letter with the required info on it, forwarded that to Tesco the same day, two minutes after sending it I received an automated acknowledgement of receipt of the email. In their second letter the had said that they would cancel my insurance if the second letter from me was not received by the 14th July (Today). They also told me that they would phone me if there was any problem with the second letter. I got no phone call so assumed all was well. Because I just don't trust them I phoned today to check all was well, it wasn't, they claim they didn't receive my letter by email (that's the letter that I got an automated receipt for BTW) and they had cancelled my policy as of this morning.
They would not accept any responsibility for the loss of my letter just saying my policy was cancelled and I'd have to take out a new one, and my deposit would be refunded within 7-14 days. Bunch of baffoons!
That does sound like a right faff! I don't understand insurance companies making such a issue out of company car no claims vs. personal no claims and this "it only lasts for 2 years" nonsense. Hope you get it sorted eventually!They would not accept any responsibility for the loss of my letter just saying my policy was cancelled and I'd have to take out a new one, and my deposit would be refunded within 7-14 days. Bunch of baffoons!
TankRizzo said:
CallorFold said:
Under the circumstances, it's highly unlikely the 3rd party has a leg to stand on in terms of not admitting fault so hopefully, this shouldn't be an issue!
It's not about the third-party fault, it's the chance of the insurer refusing to pay the massively inflated credit hire charge and disputing it with the AMC (Albany in this case). If Albany cannot get the cost of the car back from the insurer, they will come after you for it - because you have signed all the credit agreements.CallorFold said:
I guess in that case the only thing I have going for me is that I shouldn't have the hire car too long! Hopefully it wont come to that though, but it's nice to be aware of.
I'd be returning the car to Albany and asking the third-party insurer if they can provide you with a car (assuming they have accepted full liability!). I wouldn't trust a firm like Albany as far as I could throw them.This is an illuminating read: Credit hire scam
CallorFold said:
I'm actually in the middle of a very good experience with them.
.......
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
In what universe could that be described as a "very good experience"?.......
Phoned Tesco and they put everything straight through into a claim, passed it over to a claims management company called Albany Assistance.
They palmed you off onto somebody else. Somebody that benefits Tesco. And somebody that could bring you a whole heap of hassle further down the line.
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