Purbeck Insurance レビュー 

Purbeck Insurance からの回答

2024年4月3日

Hi Tony,

Great to hear how you're getting on with Mike, we really appreciate the 5 star review and we'll pass on the kind words!

We look forward to doing more business together in the future,

Many Thanks,
Team Purbeck

Purbeck Insurance からの回答

2024年4月3日

Hi Barry,

Thank you for the 5 star review, we're glad to hear you're happy with our services!

All the best,
Team Purbeck

Purbeck Insurance からの回答

2024年4月9日 に更新

Hi,

Thank you for taking the time to write your review.

Whilst it is not appropriate for us to comment or discuss specific matters relating to your policy, we feel you have made a number of casting aspersions and we therefore feel it is appropriate to comment on the mechanism of the policy in general terms to allay your assumptions.

As part of the application process, an insured is required to provide a statement of fact with regard to the solvency, the financial and trading status of the business. We use our own third-party data sources to assess risk and underwriters rely on this together with the representations made and to offer insurance cover, if appropriate. There is duty of fair presentation under the Insurance Act for all insureds to present the information fairly, accurately and to the best of their knowledge and any breaches of this are dealt with in accordance with the remedies as outlined within this statute. Where there is a notification that is made in reasonable proximity to the commencement of the period of insurance, we work with the insured to understand the materiality of this.

The policy works on a proactive basis in that all insured have access to our Support Desk which comprises of in-house advisors and a number of selected third-party professional advisers where it is deemed that external support is required. When accepting a client for insurance cover, we have a vested interest to help the business work through financial difficulties by offering advice and/or to put in place restructuring programmes where appropriate. This relies on the insured notifying appropriately and also to ensure that the client has represented the risk fairly.

In the instances where we refer clients to external advisors, these advisors have been carefully selected and we do not receive any referral fees from third parties. As the policy works on a co-insurance basis, our interest is aligned to supporting our clients through trading difficulties and we wish to avoid any conflicts of interest that a referral fee may create as our priority is to help our clients. In fact, the Demand Response Mitigation Service, as outlined in your policy wording, is funded by insurers to help support our clients when faced with statutory demands. On this basis, we hope this clears up the incorrect assumptions that you have made in relation to our interest in and how we work with third-party service providers.

In relation to our authorised panel members, this includes a number if industry leaders and is not restricted to one firm. The recommendation we provided to you was based on identifying the most suitable member from our approved panel based on the details of your requirements, which is why they were recommended by the Support Desk in the first instance.

Finally, a copy of the policy wording was provided to you as part of the information we issue to you when determining whether to take insurance cover. The demands and needs statement issued at the quotation outlines the suitability of product to your individual needs. This is a transparent process with no hidden clauses.

Kind regards,

Team Purbeck

Purbeck Insurance からの回答

2024年3月15日

Thank you for taking time to write your review, David - we really appreciate it and pleased to hear you are happy with the service provided.

Many thanks,
Team Purbeck

Purbeck Insurance からの回答

2024年3月15日

Hi Aston, thank you very much for the kind words and the 5 star review! We really appreciate it.

Many thanks,
Team Purbeck

Purbeck Insurance からの回答

2024年1月18日

Hi Peter,

Thank you for your review.

Our claims handling and settlement procedures have been followed in line with the policy wording and in accordance with our regulatory responsibilities.

The outcome and calculation of your claim was based on the financial information you provided together with the letters you issued to creditors in order to obtain their support for the Company Voluntary Arrangement.

When it came to the claim settlement, a breakdown of the calculation was disclosed to you with specific reference made the appropriate provisions within the policy wording (which was provided to you prior to acceptance of the insurance contract). The settlement was agreed by you at that time.

We acted in accordance with the terms of the policy and ahead of the timelines stipulated at your request in order to support you when faced with legal action from creditors.

Many thanks,

Team Purbeck

Purbeck Insurance からの回答

2024年3月15日

Thank you for your review Andy, it's always a pleasure doing business with yourself and we thank you for your ongoing support.

Many thank,
Team Purbeck

Purbeck Insurance からの回答

2023年10月30日

Thank you for taking time to write your review, Patrice - we really appreciate it and pleased to hear you are happy with the service provided.

Many thanks,
Team Purbeck

Purbeck Insurance からの回答

2023年10月30日

Hi Paul,

Thank you for taking time to write your review.

We value all feedback, and we are always striving to improve our products and services.

We will investigate the matter and liaise with our third party service providers. We would, however, welcome the opportunity to discuss this with you.

Kind regards,

Team Purbeck