Name: i4me Insurance Brokers
Rating: 4.85

“i4me sent a renewal request for £300+ which was 20% over last year's premium with significantly worse terms because of the pandemic. I was not impressed but negotiated a reduction of £20 but with higher voluntary excesses. I was still not happy (administration fee increased by nearly a quarter). I finally settled for £280 - 10% more than last year for less cover. Next year I shall look around for alternative quotations if the new premium is not in line with inflation as this year it obviously was not. Otherwise no problems - polite staff and email reminders.”

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Posted 3 years ago

“Renewal quote was a lot higher this year. But quick re quote was a little better.”

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Posted 3 years ago

“Have to sort out same contradictions in policy every year along with way above inflation price hikes”

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Posted 3 years ago

“The member of staff I spoke to tried to blind me with numbers ie how the policy had gone up by the price of inflation at 6%, which it isn’t. His maths didn’t work out and he floundered when I questioned his figures. Wasn’t told insurance amount extra either.”

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Posted 3 years ago

“Does what it says on the tin”

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Posted 3 years ago

Thank you for taking the time to give us feedback, we would love to know how we could achieve a 5-star review from you. If you would like to let us know, please email us at household@i4me.co.uk or call us on 08004701881.

Posted 3 years ago

“As a long standing customer I should get the BEST deals available from your insurers/underwriters. They should not be saved purely for new customers or wheeled out when, like I did, I had to go to another broker for a similar quote in order to force you to match it - from the same insurance company! They can clearly provide this cover profitably at the lower price so to charge me 17/18% more is obviously profiteering on the back of client ignorance or laziness.”

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Posted 3 years ago

Thank you for your recent review. Whilst we, as insurers brokers, invite your renewal, the price increase comes from your insurers. When changes to ratings are presented to us, we do challenge these with insurers, however whilst we appreciate that you personally had not made any claims on your policy (over 90% of customers don’t), ultimately the premium income to the insurers has fallen short of the total claims paid for holiday home policies for the last 4 years. As a result, they have increased their premiums and we as a broker do not have the flexibility on premiums we once had. There is always a fine balance between cover and premium. The policies that we offer are rated 5 star by Defaqto and provide a comprehensive level of cover. The insurers and ourselves do still feel that the prices offered are competitive in the market. We do get customers say to us that they have had cheaper alternative quotes, however when these quotes are submitted to us more often than not there are some significant differences in the cover. When aligning our cover to match what alternative insurers are presenting, we are usually more competitive. We would love to just be able to reduce your renewal premium, it would make our job much easier, however regrettably insurers just do not give us this flexibility as they once did.

Posted 3 years ago

“A 21% increase at renewal. Refused to reduce but said to go back to them if we got a lower quote, which we did. They were then suddenly able to offer an alternative which was slightly lower than the previous year. Given that we did all their work for them that was karma. They call themselves brokers but they don't offer advice or recommendations, so they're not really brokers. It's just bean counting. As long as you realise that it's fine.”

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Posted 3 years ago

Thank you for your recent review. Whilst we, as insurers brokers, invite your renewal, the price increase comes from your insurers. The insurers and ourselves do still feel that the prices offered are competitive in the market. As you have mentioned, we do get customers that mention they have had cheaper alternative quotes, however when these quotes are submitted to us more often than not there are some significant differences in the cover. This was also the case with your alternative quote. The differences in cover were as follows: the current policy with us had a lower excess, as well as cover for escape of water after 7 days of unoccupancy, which the alternative quote didn’t include. There is also a fine balance between cover and premium. The policies that we offer are rated 5 star by Defaqto and provide a comprehensive level of cover. The alternative quote you provided was 3 star rated by Defaqto. We therefore feel that this was not a direct comparison in finding the same cover elsewhere for a cheaper premium. I am glad that we could resolve this for you on this occasion and retain your business, by amending our quote as requested.

Posted 3 years ago

“When I first received my renewal quote I was shocked at the increase in premium which I can only put down to the fact that I was at the time in the process of making a small claim for a water main leakage. Even after the claim amount had been established and was well below the sum put aside for the claim by the insurers there was still no shift on the premium, which was disheartening. With regard to the water leakage claim, when I first telephoned the insurers and told them of the problem I was informed that if I wanted one of their representative tradesmen to attend to the matter they would be at least five working days before they could arrange a repair. With a family in the holiday let at the time this was not acceptable. Saying all that, the claims procedure was relatively straight forward, possibly down to the fact that the leakage repair was arranged privately and the next day by myself at low cost and minimal disruption to lettings. Telephone staff were helpful even if they were telling me things that they knew I didn't want to hear. As for the premium it was competitive even with the increase.”

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Posted 3 years ago

Thank you for your recent feedback. Insurers consider several factors when calculating the renewal price. Indexation, an adverse claims history and the customer making a claim within the last 12 months will usually drive an increase, but there are other, more subjective factors as well. These include insurers’ views on the various risks associated with the insurance they are providing, such as changes in their overall claims experience for a given property type or a review of the severity of natural disasters occurring in a given postcode. May we take this opportunity to thank you for renewing your policy through ourselves and we would like to know how we could improve in the future, as you confirmed we are still competitive compared to other insurers.

Posted 3 years ago

“No worse than the rest.”

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Posted 3 years ago

Thank you for taking the time to give us feedback, we would love to know how we could achieve a 5-star review from you. If you would like to let us know, please email us at household@i4me.co.uk or call us on 08004701881.

Posted 3 years ago

“Really abrupt, demanding woman rang me to ask why I had failed to renew. There had been an oversight because my mail goes to my London address and had not all been forwarded. But since the policy had not elapsed, there wasn't a problem. Hard to know why she was so curt and unpleasant to deal with. After that a very nice guy phoned and we sorted it out.”

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Posted 3 years ago

Thank you for your recent feedback. Following your comments, we have investigated this matter and listened to the phone calls mentioned. From our investigation we do not feel the representative came across ‘abrupt’. From my understanding from listening to your call, we were checking if you had received your renewal documents via post and email, which we do a week prior to your renewal date. You advised you were not sure if you had received the renewal documents and my colleague helped you locate these documents in your email inbox. We do apologise you felt this way after the telephone conversation however, if you wish to discuss this further, please do not hesitate to contact us.

Posted 3 years ago

“Never had any problems dealing with i4me.”

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Posted 3 years ago

“The renewal process was easy but on the mobile, one downfall. The ‘I’m not a robot’ verification is not fully displayed. This is quite far through the process and I don’t think is given an advance warning. I did share this with an adviser on the telephone who seemed indifferent.”

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Posted 3 years ago

“I’m fairly happy with this policy. I questioned the 30% increase over two years, but, after shopping around I decided to renew.”

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Posted 3 years ago

“Mmm. We tried to make a claim for loss of income on our holiday let insurance for loss of access because of Covid19. However Insurance wouldn't pay as we'd got the £10,000 small business payment from the government. To be honest I don't agree with this. Feel short changed and they got out of paying in my opinion. Like they do, if they can get out of paying they will.”

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Posted 3 years ago

Thank you for your recent feedback. Whilst we (i4me) have authority to arrange and administer insurance policies, we do not have any authority in relation to the claims handling process and we cannot directly influence insurers’ decisions. We can share our own views but ultimately it is the insurer that decides how claims are settled. This said, we do have a good dialogue with insurers and are happy to feed back to them on specific matters. We have already liaised with them about the government grant, and the rationale behind this. Property insurance policies are written on an ‘indemnity’ basis, which means that a successful claim would put the claimant back in the same financial position as they would have been prior to suffering a loss. As part of the claims process, insurers will need to ‘measure’ the financial loss a policy holder has suffered. Ultimately, this is to ensure that any claim paid is appropriate. The situation we find ourselves in is that there is potential for some policyholders to benefit from claims. If a successful claim were made for lost profit from denied or restricted access, the policyholder could in addition seek government funding if eligible, thereby profiting from the situation. This goes against the principles of insurance, and is the reason why insurers reserve the right to measure financial loss in the first instance.

Posted 3 years ago

“When I received our renewal documents I noticed that the premium had increased by £109, an increase of 33%! No explanation was given for this in the covering letter. I therefore called you and it was explained that my property flood risk had been moved from band 7 to band 9 by the insurer. Around 10 years ago flood protection defences were built to reduce the flood risk to our and surrounding homes, therefore why should the risk have increased in the last 12 months? Should you not provide information and evidence of such significant increases within the renewal documentation, rather than leaving it for the policy holder to enquire?”

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Posted 3 years ago

“Accept that office may be short staffed but I have my received any policy documents or confirmation of purchase. Previous insurer increased premium by 40% despite no claims and in excess of 10 years business so this looked good value. However won’t be if I can’t ever contact them!”

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Posted 3 years ago

“Broker insisted that the annual premiuM increase was just over 10% while it was obviously 14.4%. We spent unnecessary time arguing about the correct way of calculating the increase., not providing a particularly convincing reason why the increase was so large. I just gave up in the end as I did not have the energy to look around for better quotes.”

Helpful Report

Posted 3 years ago

Thank you for your feedback. We have reviewed your policy following your comments made. Your total premium last year was £133.32 which had increased to £147.21 this year. Due to this your total increase calculates 10.42%. Please note insurers consider several factors when calculating the renewal price. Indexation, an adverse claims history and the customer making a claim within the last 12 months will usually drive an increase, but there are other, more subjective factors as well. These include insurers’ views on the various risks associated with the insurance they are providing, such as changes in their overall claims experience for a given property type or a review of the severity of natural disasters occurring in a given postcode. Finally, we would like to confirm that renewals are not mandatory and we contact our customers in good time with an offer of price for the coming 12 months. This gives them the opportunity to consider our terms and to shop around if they feel we are not offering value for money. As we previously advised insurers have an agreement where they look to price match subject to cover being on a like for like basis.

Posted 3 years ago

“reasonable quote good service. Can get through easy and friendly staff.”

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Posted 3 years ago

“Always helpful which means any insurance required is dealt with professionally and means less for me to be concerned about as they get it sorted 4me”

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Posted 3 years ago

“In general a good broker, but I've not had to make a claim. This year's renewal fee increased by 20%, which I was not impressed with with no real justification as to why, 5 to 10% maybe, 20% no.”

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Posted 4 years ago

Thank you for your feedback. Insurers consider several factors when calculating the renewal price. Indexation, an adverse claims history and the customer making a claim within the last 12 months will usually drive an increase, but there are other, more subjective factors as well. These include insurers’ views on the various risks associated with the insurance they are providing, such as changes in their overall claims experience for a given property type or a review of the severity of natural disasters occurring in a given postcode. Finally, we would like to confirm that renewals are not mandatory and we contact our customers in good time with an offer of price for the coming 12 months. This gives them the opportunity to consider our terms and to shop around if they feel we are not offering value for money. As we previously advised insurers have an agreement where they look to price match subject to cover being on a like for like basis.

Posted 3 years ago


Shipping & Delivery
Delivery Methods	Postal Service
Average Delivery Time	Next Day
Documents Delivered On-time	96%
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	4.9 out of 5

i4me Insurance Brokers Reviews