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Name: Andy

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Tired stressed and confused

1
I chose Sainsbury's for my car insurance as it was the best option for my needs, but how I was so wrong. After someone drove into the back of my car I contacted them. The lady who drove into me asked that we went through insurance companies as she wouldn't be able to afford to replace bumpers on both cars. I phoned Sainsbury's to get the ball rolling and this has been a battle since day one. I was advised to take my car to a garage to get work assessed and did so straight away. 3 days later I was told that my car was a right off even though it was a cracked bumper, they told me I had to phone zenith to talk about next steps. Zenith then told me that it wasn't a right off and I had to send pictures of the damage to them, so I did. To be told another 5 days later it was a right off. They gave me the option of buying back the car, and because it has been in the family since new I decided that it would be the best option for me. I was then told by Sainsbury's that I needed to get another mot on the car and a engineers report to say it was fit for the road. Sainsbury's then paid me out, I had the work carried out on the car and got both MOT and engineers report which in total cost £450 including respray. As my insurance was just about to end I got an email from them the day before renewal saying I had to phone them to discuss my insurance. So I phoned again to be told that my car is regarded as a catagory s right off I can only get 3rd party insurance, I was not told before because if it had been brought up I would have gotten rid of the car. They then told me that they wouldn't insure me, which I wasn't to bothered about after been messed around with. Then after a frustrating call to be told that my no claims had been taken from me so trying to insure my car with other companies and they will only do 3rd party and it has doubled in price. I'm really not Happy. The lady who drove into me took responsibility for the accident, and I'm getting penalize for it. They said once the forms are filled in they will release my no claims but that can take up to 48 weeks. So now I'm stuck with a car that I can't insure because of the price. The crazy thing about it is if I hadn't contacted them I would have been driving with no insurance as they didn't inform me that I wasn't insured. I spent 5 and a half hours on hold on the first day trying to sort out what was happening with my car and some of the staff couldn't even find my policy. The amount of time I have spent phoning between Sainsbury's and zenith who is Sainsbury's underwriter is unbelievable, if you don't phone them nothing happens. I'm sorry Sainsbury's but I shop in your stores and I expect a standard but your car insurance solution is giving you a bad reputation. I would not recommend car insurance with you. Reviewed on: 16th October 2021
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Andy