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Ben Powick

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Review of the Monzo, Flex Credit Card:

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Hugely helpful for first time buyers

As someone that got into the housing ladder last year, Monzo flex has allowed me to help spread the cost of some big essentials to my new home. The ability to pay it early, spread the cost over 3 months and longer has been a big help to managing the transition from rented to home owners. Reviewed on: 18th January 2024

Review of the Direct Line, Car Insurance:

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Decent service, terrible pricing

I was insured with Direct Line since I was able to drive at 17 years old, originally as an 'add-on' driver due to me driving my parents car, however after a couple of years I was changed to be the main driver. Initially I was quoted around £800/900 when I was first insured, which taking into account me a new driver, a male and as someone in their teens, was to be expected. For the first couple of years this stagnated, but when I turned 20, the price slowly decreased by around 10% for a couple of years with Direct Line claiming it was due to loyalty. However, when I turned 23 not too long ago now, I was quoted around 550-600 to renew it, again being told it was as I was a 'loyal' customer that I received another discount... however, after using some market comparison websites (Compare the Market), I found that they were ridiculously over-charging me. I ended up going with Admiral Insurance, who as a brand I knew of. But mainly because they quoted me around £360 - almost 200 quid cheaper than Direct Line! Despite calling then up and asking if they could match it, they refused to budge, so I ended up switching provider. Funnily enough, in the past family members that have dealt with Direct Line were even told by one of their Customer Advisors that the only way they could match one of the price comparisons they were trying to negotiate was by re-registering them as a new customer. How does it make sense that an existing customer can lose out simply by remaining loyal to a brand? Reviewed on: 18th August 2016

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