An investigation by Which? has shown that the information provided by price comparison sites contains a number of discrepancies compared to what’s actually detailed in the policy itself. They’ve stated that 60% of the policies brought up by the site had a detail present in the description which differed from the policy documents. This means that customers are being misled into obtaining the policy based on false information, meaning they could be unwittingly left without essential insurance features.
Which? cross-checked the policy descriptions for 24 brands on four aggregate sites against the information provided on their websites and their policy documents. They found that there were a number of errors within the policy descriptions.
Stating that a courtesy car was guaranteed
Claiming that sunroof cover was included
Providing incorrect information about cover for loss/theft of car keys
Showing vastly incorrect levels of cover for personal accident
This is a major concern for customers buying insurance off these sites as they are buying their policy based on the information in the description, which they have no reason to question. If, for example, a customer requires a courtesy car following an accident in the belief they are covered and are then refused because it’s not in their official policy documents, the insurance company is under no obligation to provide the service. This means the customer could be left out of pocket for something which simply isn’t their fault.
The aggregate sites have responded to this investigation by stating that they are reviewing the way they are relaying information about the policies to their customers and are working to rectify any discrepancies.
What can you do to make sure you’re properly covered?
Which? encourages drivers looking for insurance not to rely on the information provided in insurance price comparison sites and instead, advises them to make a list of the features that are a ‘must have’ and then check them on the insurer’s own website. Alternatively, drivers may also benefit from using the services of an insurance broker who will source a policy for the customer based on their exact requirements, leaving no room for error when it comes to obtaining necessary features of the cover.
If you’re looking for a car insurance policy which actually does what it says on the tin from the outset, speak to Weir Insurance on 0800 281 453 and we’ll find you a policy suited to you, with no discrepancies in sight.