Collingwood Insurance Services UK Ltd
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AVOID
AVOID As per other reviews (well 21 out of the last 39), I believe Collingwood have unfair contract conditions. Their stock response is "it's in our Terms & Conditions" - any firm that immediately quotes that has little care for clients, and there's absolutely no reference to it on their annual learner driver insurance webpage, or the FAQs - it's buried when it could be clearly shown. Let's see what the Ombudsman thinks in terms of "clear, fair and not misleading" 1) The learner driver insurance has to end when the person passes their test. No problem with that. 2) Collingwood offer no pro rate refund on their policy for the final unused 4 months of an annual policy - first time I've ever seen that with car insurance and unreasonable give the reduced time that the insurer has to carry the risk. 3) Collingwood demand you pay an additional cancellation fee - upshot is you have to PAY extra money for having the policy for a shorter period! Very interesting that when challenged Collingwood immediately have their terms and conditions to hand, but they were not so clear on the standard timeline for responding to complaints (a regulatory requirement). I await to hear from them, other than just "it's in our T&Cs" and will adjust this review and rating accordingly. UPDATE: **To be fair to Collingwood, they have now waived the £40 cancellation fee, but not on the basis of unclear Terms & Conditions. I await the outcome of a formal complaint with regards to having clear T&Cs under the FCA's Consumer Duty regulations.** ---------------------------------------------------------- Exactly the answer I expected from Collingwood - I repeat that you would have to go 3 webpages deep to find this information: why don't you say on the 1st page, for example, "cancellation charges will apply if the driver passes their test"? You should also be aware of your increased recent regulatory responsibilities under the FCA Consumer Duty e.g. "..fewer upheld complaints about poor value and unexpected fees or charges". I await your response to my formal complaint, and will revert to the Ombudsman as required. The number of identical cases on here will help my position.