Peppercorn Cardiff

Reviews

1. Raymond Bewry ★☆☆☆☆

   I went online to purchase a car insurance policy with Peppercorn for £425.00 per annum. After filling out all the required fields, I was directed to the payment page, which prominently stated that to start the policy, I only needed to enter my card details and click "Pay Now." I opted for a single annual payment. I immediately went online to check my bank statement, which confirmed that the funds had been deducted, so I was good to go. A few days later, I was stopped by the police because my vehicle did not appear on the insurance database. I explained to the officers that I had just insured the vehicle and that it typically takes a few days for updates to reflect in the database. They allowed me to continue my journey but requested evidence of my insurance payment, so they issued me a yellow HO/RT 1 Form to present to my local Police Station. When I returned home, I checked my bank account and was shocked to find no evidence of the payment. Additionally, I did not receive any emails or letters from Peppercorn Insurance canceling my policy. I contacted my bank for clarification, and they informed me that, in line with normal practice, they had indeed deducted £425 from my account, but the funds were returned when Peppercorn Insurance failed to request payment. I learned that no record of the transaction would appear on statements in such cases. Following their advice, I submitted a formal complaint to Peppercorn Insurance through the Financial Ombudsman. To my utter disbelief, the Ombudsman ruled in favour of Peppercorn, stating - without any evidence - that it was my bank, not Peppercorn, that had declined my payment, which is why I did not receive the policy. When the matter went to court, the magistrates accepted the Ombudsman’s findings and convicted me of driving without insurance. I received six points on my license and a £450 fine. Faced with this situation, I had no choice but to hire lawyers to appeal the decision. By this time, my bank had sent a letter confirming that they did not decline my payment; it was Peppercorn that had failed to collect the money. The Crown Court Judge agreed with my position, stating that I had been misled by Peppercorn Insurance, and upheld my appeal, removing the points from my license. I had a deeply troubling and disappointing experience with Peppercorn, leading me to assign them the lowest possible rating, mainly because they falsely claimed that my bank had declined the payment. Furthermore, the Financial Ombudsman's investigation was equally concerning, as it seemed to rely on misleading information from Peppercorn. Consequently, I have also rated the Ombudsman with 1 star, which aligns with their overall low rating of 1.8.

   1 year ago
2. Tim Higham ★☆☆☆☆

   Absolutely dreadful handling of our claim. On the day of the incident the car was removed to a storage facility. There were computer difficulties in verifying our policy and despite constant chasing by me 8 days have elapsed and nothing significant has occurred. We are stranded without a car. Avoid this company.

   1 year ago
3. Raymond McCaughey ★☆☆☆☆

   Tried to change my address through their bot, tried about 7 or 8 times from my laptop and my phone where I would get to the end of the process and it failed. I then emailed them and after 5 days, no response I decided to give them a call, only problem is there is no phone number for customer services. I only got through to them when I found a claims number and asked them to contact the customer services and tell them I needed to change my address. After changing address I expected a charge which I got, but they also put my insurance up, two other members of my family did the same address change but there's either stay the same or went down. Looking at everything on the whole I wish I never dealt with them, as soon as my insurance is over I will not renewing even if they're the cheapest. It's okay being fully online after it works but it doesn't

   1 year ago

1. Louise Goodison ★☆☆☆☆

   Awful experience with this company , set up was great , next thing no Direct debit taken , called them to ask why oh sorry there’s been a mistake!! Set it up again , 2 months later get an email threatening to cancel my policy , checked with my bank , same story no direct debit has been even attempted!! Taken my business elsewhere in fear of not being insured correctly. Side note there has always been money in my bank account for their payments , they just never could be bothered to even attempt taking them .

   almost 2 years ago
2. Michael Szalaty ★☆☆☆☆

   £85 to cancel before policy started Cancelled before the policy started - charged me £60 cancellation fee and £25 set up fee so in total leaving me £85 out of pocket for cancelling the policy before it even began. What a ripoff!

   almost 3 years ago
3. Murshed Hussain ★★☆☆☆

   Using and getting your self a quote is simple and the price for it is good esp for the fact that is cheap, but if you have a claim for an accident. Then good luck theyll take your car after a week from the incident. While price is nice and cheap, they aren't efficient like most insurance companies where they come collect and give you a car the day of the incidents as standard. So basically, dont have an accident and you're good. Whilst the people that are dealing with the incident are nice. The process is ridiculously slow

   almost 3 years ago

1. Walter Hui ★★★★★

   I have purchased my car insurance from Peppercorn the first time. The user interface is well thought of and designed with common sense. After filling in all the details, each section can be checked back and updated with ease. The cost is very competitive too.

   almost 3 years ago
2. Kevin Barlow ★★★★★

   Absolutely blew every other quote that I had out of the water. Taking the policy was easy and quick. Delighted with the service A1*****

   almost 3 years ago

FAQs