PedalCover – they changed underwriters of the Excess Reduction policy they sell. It transpires that I was given a certificate of insurance – but the insurer and underwriter knew nothing of the policy I had in thier name. I found this out by trying to claim on the excess policy. Sorting it out took weeks – and my eventual payment for £200 was not from the insurer or underwriter, but from the agent PedalCover.
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Come renewal time I was told in an email “no changes to cover” – but then sent through a completely different schedule of cover.
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I decided that if they were that much hassle to renew with, and happy to mislead/use such a complex system of double policy to reduce excess, then I couldn’t trust them.
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Been with Aviva (and claimed) who were good but now expensive.
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Currently with Nationwide.