Simply Business Insurance is a Scam"
Just noticed a TV advert for Simply Business and I wanted to let everyone know just how truly terrible they are, these are the 2 main scams they do.
- 1. Imply you are insured with a reputable insurer
If you go on most comparison sites, you think you are comparing different insurers like with all the other insurance (Car, Home etc) but it is all ran and operated by Simply Business when it says "powered by Simply Business" this means that even like me if you pick AXA you have to deal with Simply Business for your entire claim and that means Simply Terrible Customer Service
- 2. They will never send you, you're quote or anything you have purchased and delete it after
It was not until unfortunately I had to claim that I realised they never sent me any documentation just a basic email from Simply Business saying my policy has started.
Why it is not worth Making a Claim with Simply Business
If you cannot be bothered to read below on a £4500 claim they pay out £500 (even though my excess was £250) and this £500 takes 220 hours+ to obtain from them.
My flood flatted I paid for every insurance option they offered every single cover, even terrorism cover I just wanted complete peace of mind.
In total I spent 220 hours on the phone to them trying to claim, they really do everything possible to try and make you not claim.
I am not exaggerating 220 hours I logged all the calls.
When making a claim each department blames the other department and says this department is dealing with it, it seems organised as department 1 blames department 2 who blames department 3 who blames 4 all the way to the 8th department of which you then go back to 1 saying you have spoken to departments 2-8 and they say you. To which the simply business advisors often say well it isn't us then you give up for the day.
When you initially call them you are on hold for 30-60 minutes and then every time they transfer you, you are waiting longer, you will be transferred at least twice every time you call them.
They sent me 48 emails asking for more information. They also interrogated me oh why did you take out insurance etc was ridiculous, you respond then they take 5 working days to come back to you with another question, they drip feed you questions so that you can't get it sorted in one hit.
6 Months Later! Imagine if your house burns down or whatever 6 months to pay out! 220+ hours later (228 to be precise they offer me £500 of my £4500 claim) I picked every single option they offer and they said they don't cover fixtures, fittings, walls or ceilings.
Avoid like the plague I'd put this on trustpilot but Simply Business remove any negative review and note you only see positive reviews from customers who have never had to make a claim!
Their misleading use of reputable insurers logos and how they hide behind comparison sites that are usually reputable is definitely intentional as is refusing to provide me with a copy of my policy, insurance schedule or original quote!