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Review of the Purely Pets, Pet Insurance:

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Poor service, slow claims process, rising premiums

With insurance, there are limited interactions upon which to base your judgment. My experiences with Purely Pets thus far have generally been unfavourable. In fairness, the premiums seem competitive for the level of cover - although we will only truly be able to assess that if/when they pay out on a claim! However, they have increased the premium aggressively in year two, despite our pets being young, healthy (no prior claims) and kept indoors. They increased our premiums further when we told them we had moved (from West London to home counties and the pets never leave the house, so it's hard to see what possible change there could be to the risk profile). And now to my ongoing claim. Purely Pets don't pay for treatment up front so you are already having to incur expenses and wait to claim back. Then they have busted through their already lengthy claim assessment period with nothing but standard, identically worded text messages in the meantime, telling me not to worry. I sent a message to follow up and they have busted through their timeframe for responding to that too! Will they ever respond? Will they ever process my claim? The customer service is slow to non-existent and the fervour with which they increase premiums is another bad sign. (My claim has not yet been assessed, so this review is not influenced by a good or bad result). Reviewed on: 23rd August 2024

Review of the Wealthify, Stocks & Shares ISA:

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Clear, concise, simple

Very easy and intuitive to register and set up a plan. As someone who has opened a great many online accounts with a range of financial institutions, I can say that the Wealthify experience was among the smoothest and most pleasant. Similarly their fund literature is well-presented, appropriate and accompanied by very clear visuals. Full credit to every aspect of the website. The risks and investment approaches are explained clearly and accurately without jargon. And the various funds look well constructed. This style of investing won't necessarily be optimal for everyone at all times, but it does a solid job within its sweet spot and could, hopefully, encourage people who might otherwise never have felt comfortable owning stocks and bonds to invest at least a small portion of their money, to potentially access compound interest for the first time, and to grow more confident in managing their money. Reviewed on: 28th February 2023

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