Name: i4me Insurance Brokers
Rating: 4.85

“I was extremely disappointed with the service I received at renewal, to the point where I will definately look around with another provider at my next renewal. I don't normally hand my money over to people/business who are not generally pleasant and polite to me when dealing with them”

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Posted 2 years ago

“Last year £267, this year £329. Tried to renegotiate told I must go through Renewal. Had to get another quote & forward it to Renewal. LO AND BEHOLD GIVEN NEW QUOTE FOR £288. SAVED £41. Will not renew with you again if you play this game.”

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Posted 3 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. We will always try to match a like for like quote wherever possible however, we do require evidence of the quotation. From our experience many policies do not offer as much cover as ourselves resulting in a price difference. Your alternative quotation you kindly sent to us did have few key differences which did result in a cheaper premium which would only be natural. May we take this opportunity to thank you for renewing your policy and apologies that you felt the need to leave us a negative review.

Posted 2 years ago

“Easy to obtain quote good value too”

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Posted 3 years ago

“Typical brokers.”

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Posted 3 years ago

“Terrible service. Tried to make a claim ended up withdrawing claim as insurance company AXIS made everything so difficult and stressful. However the fact I had opened a claim meant I lost my no claims and was asked to pay an additional premium before a claim was even made.”

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Posted 3 years ago

Thank you for your recent review, although I am sorry to read that you had a bad experience with Axis when making your claim. I am sure you appreciate that we are not Axis, but because you have left this review for us, we thought it would be helpful to post a response. i4me does not have claims handling authority - we state this at the outset of every customer relationship, both verbally and in writing. Claims are dealt with by third party claims handling firms, which are appointed by insurers and so this process is largely beyond our control. As the broker, we try to represent our customers as best we can in these matters, but we can only do so if we are made aware of any issues. This is not always the case, as customers rightly initiate the claims process with the claims handling firm/insurer. You did not make us aware you were dissatisfied with the claims process and so we were unable to assist (where possible). I am sorry you are disappointed with the renewal price increase resulting from your claim. However, it is standard practice for insurers to amend the premium at renewal if a claim is initiated/logged, even if it has not been settled. Effectively, they assume that the claim will be paid and therefore increase the premium through: 1) loss of no claims discount; 2) premium loading, which reflects the increased risk associated with the disclosure. However, if the claim is withdrawn or is declined, the no claims discount is reinstated and any claims load removed, thus bringing the customer back to the original renewal price that is offered in the renewal quote. We appreciate that times are hard, and thank you for your continued business even though you were disappointed with Axis. If you have any queries or wish to discuss this further, please do not hesitate to contact us.

Posted 3 years ago

“i4me has increased my premium by £100 each time, for the past two years for no reason. Nothing at all has changed on my end. I will be looking for a new insurer. Their policies for second homes cannot be tailored for , or they misled me, to circumstances where tap second home is for personal use only and not for holiday letting . They insist on coverage for renters etc and other coverage that applies not to me. The increase in premium has pushed me to reconsider. Good riddance i4me’”

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Posted 3 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. We have reviewed your policy and can see you have kindly renewed your policy online through ourselves and on the basis you have shopped around we would assume our insurers are still offering you competitive terms. Regarding your comment relating to the policy being for holiday lets, we confirm this policy shares the same wording as our second home policies. However, insurers charge different rates depending on the property being a second home or a commercial holiday let and advise you are not being charged the holiday let rate. We hope this explains matters for you however, if you wish to discuss this further, please do not hesitate to contact us.

Posted 3 years ago

“i was dissappointed that having told you i was going to sell my cottage in January I was not allowed to pay monthly. Instead had to pay whole amount then cancel AND then have to pay £45 cancellation charge . Not good customer care. i certainly will not be insureing my other properties with you. Andrew Counsell”

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Posted 3 years ago

Thank you for your recent review and the opportunity to clarify our position. It is common for insurance companies to apply charges when a policy is cancelled (i.e. the property will be sold). When a policy is cancelled, we have to request the funds back from the insurers, we then have to refund this to you, we have to pay transaction fees for this. We then have to issue a cancellation schedule. Regarding cancellation and administration fees these are applied to help produce and maintain a customer’s insurance documentation and transaction costs for payments, telephone costs etc. We have a freephone telephone number that our customers can use to call us and we do not charge customers for postal copies of their documents. Also all of our policies are individually reviewed by a customer advisor at the inception of the policy and at renewal, to check the details and the panel of insurers available to us to make sure the policy is correct for the individual. All of our charges are brought to the customer’s attention at the point of sale, and again if the customer is discussing any changes. They are outlined in writing in our Terms of Business. This transparency allows customers to make an informed decision at the outset based on their likelihood of making any alterations during the year. We aim to deliver very competitive premiums and are transparent with our charges, which we make as simple and clear as possible to customers. Our previous market research has indicated that our cancellation and administration fee is in line with what other companies in the market are charging. Renewals are not mandatory, and we contact our customers in good time with an offer of price for the coming 12 months. This gives customers the opportunity to consider our terms and to shop around if they feel the policy is not right for them.

Posted 3 years ago

“Very poor to begin with, however, good to end with”

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Posted 3 years ago

Thank you for your recent review of i4me. I have reviewed your file and would make the following observations. You were not happy that your renewal premium had increased. You shopped around, and you were unable to find any alternative quotations that were more competitive than what we were presenting. After discussions on the levels of cover we were providing, you requested that we removed accidental damage cover to your contents and increased the voluntary excess, this subsequently reduced the cost of your insurance and you accepted the renewal. 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.

Posted 3 years ago

“Premium increased by 20% although no claim made in the year. When I complained I received several pages of gobbldegook which was supposed to satisfy me. Wow, a matrix with a secret formula was the explanation. Rip off merchants - avoid!”

Helpful Report

Posted 4 years ago

Dear Mr H, thank you for your review and the opportunity to clarify our position. We are sorry that you find the 20% renewal premium increase excessive. Having reviewed your file, we can offer the following comments. Your property has been insured as a holiday home, but it has been undergoing significant renovations for over 12 months now. Technically, insurers could have classified this as an unoccupied property and, if so, the premiums would have been significantly higher, both from inception and on renewal. In our experience, some insurers would have declined the risk completely or considerably restricted your cover. Your current insurers have not and so you are benefitting from a relatively inexpensive policy. We feel that insurers’ renewal premium of £213.99 for providing you buildings cover up to £1,000,000 for your unoccupied holiday home while it is undergoing renovations is more than fair. 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. This is precisely what you told us you intended to do. The fact that you have renewed your policy through us indicates that you shopped around, and your research confirmed that our policy was the most appropriate for you in terms of both price and cover. We hope you find the above a satisfactory explanation, but please contact us if you would like to discuss further.

Posted 4 years ago

“Like all members of this industry we are enticed by a most favourable joining quote, only for the renewal quotes to grow without justification. There is no reward for those who show loyalty even when you do not make a claim.. this company is well organised and efficient.”

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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.

Posted 4 years ago

“All the people I spoke with were nice and efficient, I am happy with the service I was given, and the cover I was offered. The only "small" snag is that after I paid for the cover, and received my final policy documents, I discovered that an exclusion had been added which was never previously discussed with me and above all WAS NOT IN THE POLICY WORDING WHICH I HAD BEEN SENT PREVIOUSLY AND WHICH I DECIDED TO UNDERWRITE. No one even took the trouble to inform me that this exclusion had been added, nor was this mentioned in the accompanying letter or email. I am shocked by this totally unacceptable, opaque and unprofessional behaviour.”

Helpful Report

Posted 6 years ago

Dear Ms M, We are very sorry that we did not live up to your expectations on this occasion. Having looked at the circumstances and correspondence surrounding this case, we can offer the following observations: 1. When you first enquired about insurance, we spoke to our panel of insurers to ascertain if they were prepared/able to offer the cover you were looking for in respect to some specific items. Unfortunately, they declined. 2. Subsequent to your enquiry, we emailed you the initial quotation. We stated in our covering email that we could not offer cover for the items you specified. You acknowledged this email and asked various questions about the quote, but you did not refer to the fact that insurers had declined the specific cover you required for the items you were concerned with. Because of this, our understanding was that you understood and accepted the specifics of the quote. 3. You asked us to provide revised quotations twice, which we did. The reasons for these revised quotes were nothing to do with the items that we were unable to obtain insurance for. We did not restate the position regarding these items, as we believed it to be understood, on the basis that you had not questioned the initial quote. Please do not feel that you are bound into a contract that you cannot easily exit. If you do not think that this insurance policy is right for you, you can cancel it within the cancellation period described in the policy booklet and you will not be charged or otherwise suffer any financial penalty. With all this in mind, we do not feel that we have been opaque or unprofessional in any way. We do appreciate that your experience has not been positive, but we hope that the above helps to demonstrate that we acted appropriately.

Posted 6 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