The Musings Of An Opinionated Sod [Help Me Grow!]

Blame Throwing …
June 2, 2021, 8:00 am
Filed under: Attitude & Aptitude, Comment, Corporate Evil, Experience, Relevance

So when we were leaving for New Zealand, I wanted to change our house insurance to cover the people we were renting.

So I rang our insurer – Hiscox – only to be told they would not be willing to insure our house as we’ll be living overseas.

They were fine with insuring our house.

They were fine with insuring our house with tenants.

But because we were going to be living overseas, we were told:

“We don’t want to insure you”.

They used those exact words.

Now I don’t know if this is their general policy – I know we’ve had other insurers look after our house while living overseas – but their general attitude was pretty horrific, made even more pathetic when a couple of days later they sent us a letter saying, ‘we’re sorry you have decided not to use us again’.

Now maybe this was computer generated, but I wasn’t going to let them cancel me then blame me, so I sent a letter back pointing out that I had actually wanted to extend my policy but they decided “they didn’t want me”, despite me always paying their higher-than-average policy rates on time.

You’d think that would be the end of it … but then I got a letter a day or so later. Not to apologise. Not to thank me for my previous custom. But to offer me ‘a deal’ to renew my house insurance with them again.

What the absolute fuck.

The next day, I got another correspondence from them. This …

So they acknowledge they made a mistake offering me a deal they had no intention to fulfil. But they failed to acknowledge their terrible service to a customer.

So I wrote to ‘Bob’ to explain how his companies ‘premier service’ was more Premier Inn than premier. And that’s not being fair to the Premier Inn, because every time I’ve stayed there – and I’ve stayed there a lot – the service has been great.

Not great in proportion to their price.

But great.

And while I have never accepted the maxim that ‘the customer is always right’, I can assure you neither is the company.

So dear Hiscox, maybe you need to take a policy out on yourselves, because if you carry on with the customer service you handed out to me, you’ll be needing to make a claim in no time.

20 Comments so far
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theyre not insurance companies, theyre fucking con merchants. our place got turned over a few years back and the fuckers tried not to pay because they said they questioned if we had secured the house appropriately. motherfuckers. we got it in the end but they made a shit time shitter because they want the premiums not the payouts. hate them almost as much as banks.

Comment by andy@cynic

I remember that. Didn’t they send an investigator to interview you too?

Comment by George

yes they fucking did. and they met my attorney and they ran the fuck out in 2 minutes flat. motherfuckers.

Comment by andy@cynic

and the fuckers all think its still 1950 with their policies and what they think is fucking valuable.

Comment by andy@cynic


The stuff they think people value hasn’t evolved with the stuff people now value.

Comment by Rob

The customer is always right. Except when buying insurance.

Comment by DH

You should have got Baz to write to the CEO, he is the lottery winner for getting good things to happen by going to the top.

Comment by DH

only fucker who is luckier than campbell and thats fucking saying something.

Comment by andy@cynic

+ 1

Comment by Pete


Comment by Rob

Excellent point.

Comment by George

There’s a reason insurance is incredibly profitable..

Comment by Pete

That is pathetic. The insurance business is prime for disruption, though just having some compassionate and proactive customer service would be a step in the right direction.

Comment by George

It’s starting.

Small scale, but the waters are being tested and it’s going to be fascinating to see how it unfolds.

Comment by Rob

We won’t make a drama out of a crisis.

Still the best line of any insurance company. Better than all the modern brand bullshit that says being there for you or committed to making you happy.

Comment by Pete

Yep … it’s a brilliant line.

Though we had one we tried to sell to Zurich a few years back that I think could have challenged it. I’m not going to say it because I still want to try and sell it to someone – but it was good because it was based on our ‘unplanned’ approach and it would be killer.

If someone is willing to accept their truth. Hahaha.

Comment by Rob

So what you’re saying is there’s a high chance it will never see the light of day because it’s great because it’s true.

Comment by George

Hiscox. Could you get a more male toxicity name than that?

Comment by DH

Hiscox have copped a lot of flak recently for failing to pay out business interruption insurance to companies affected by the pandemic. Even when the Supreme Court ordered them to. They give it large with their billy big boy marketing spend when everything’s rosy, but when the shit hit the fan, they’ve proven themselves to be yet another feckless, self-serving insurance company. Shitcocks.

Comment by Lordy

Hiscox have arguably always valued their investors more than their customers.

Comment by Lee Hill

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