Name: i4me Insurance Brokers
Rating: 4.85

“You seem to have a problem with overseas payment options, I wanted to use VISA and each time I tried to pay it was declined!!!!!!! Tried another debit card, again declined. Ended up paying internet banking. You claim on your web site you accept all debit cards. I will say this the Lady at the other end was very helpful (Liz)”

Helpful Report

Posted 1 year ago

Thank you for your feedback regarding your recent transaction and we're sorry to hear that you had issues arranging payment for your policy. Our card transactions are processed by Worldpay who are a payment processing provider. Unfortunately, when processing your payment, they were concerned the payment was "suspicious" and unable to allow the transaction to go through. From our understanding this issue has now been resolved however, please do not hesitate to contact us if you have any queries.

Posted 1 year ago

“My policy has increased from approx £300 per annum to over £500 per annum this year. This is extremely expensive for just one holiday let property and I thought that my broker would be able to find something a little more competitive for me, but sadly they didn't. I have had a very tough year with Covid cancellations so this sum hits my business very hard. I will have to shop around myself next year if I am still operating.”

Helpful Report

Posted 2 years ago

“The mechanical process of renewal was very efficient, reminder of policy expiry,new quote and payment arrangements for renewal. However , the premium on this policy has increased by a very large percentage over 2 years with little attempt to find competitive quotes and the only policy offered with Aviva at over 40% higher than 2 years ago without much explanation other than the fact that you were no longer dealing with the previous insurer. Also I had made a claim on the policy for denial of access /interruption of business because of Covid under the terms of the previous policy and was immediately told that my policy no claims bonus was withdrawn and the premium increased. In fact I was never told there was a no claims bonus attached to this policy , or how it operated or affected the premium from year to year , or how it would be affected in the light of any claim , at any time during the 2 years I held the insurance.”

Helpful Report

Posted 3 years ago

“Huge price rise this year but no explanation...and it's not based on me having made any claims on this policy. There may be reasons, good or bad, but this is poor customer service, and will make me look elsewhere for next year.”

Helpful Report

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. Due to us having thousands of customers we're unable to provide individual reasons for increase of premium on each renewal document we issue. However, if you would like to discuss the reasons for the increase of your renewal premium, please feel free to contact us and we will be happy to provide you with this information.

Posted 2 years ago

“I went with this company not due to their service, which I felt was poor to average, but because they were offering me an AVIVA policy which is a big name so gave me some comfort. James was excellent and very helpful initially, but on phoning back and asking to speak to him I was unable to do so. This meant constantly having to start at the beginning with a new advisor. I had spoken to my current insurer to ask if I was covered for loss of income due to COVID 19. iAme immediately put the previously quoted price up by around 60 pounds although I said that I was unsure if I could claim or not. I asked if I could come back to them and confirm whether I could make a claim or not but they said they could not be backwards and forwards with quotes! So if I did call to take their insurance, it would most likely be the higher price. I was not able to make a claim, so I called them back, explained and asked what they could offer me. Guess what, they were back to the original price quoted, so I took the insurance, ONLY because it was AVIVA. I found all this a bit off putting and if I had not persevered, they would have lost me. They could improve their service, by allowing people to speak to someone they have already spoken to when requested and not force another person on them and they could be more flexible with issues such as mine. It does not take much to recalculate the quote and my previous agent said all they had to do was phone them for confirmation the claim was not going ahead and that should be sufficient. Lack of effort nearly lost you a customer!”

Helpful Report

Posted 3 years ago

Dear Ms M. I Am sorry that you feel that our service was poor to average, this is certainly not the impression that we would like our customers to leave us feeling and it is also not consistent with other feedback that we receive. I have reviewed your file and can make the following observation: you are a new customer that has just joined i4me. We had provided you a quotation from AVIVA of £161.32. This quote was based on you having made 1 claim in March 2019. A couple of days after we had provided the quotation you called us and told us that you had just put in an additional claim with your existing insurance company. As a second claim had just been made, this affected the AVIVA price. The price increased from £161.32 to £223.48. 5 days later you called us and advised that you had withdrawn the claim with your existing insurers and your premium reduced to the original price of £161.32 This was the price that you paid for your policy. We are not a large call centre organisation, we are a team of 12. Any customer of i4me can always be able to speak to the same member of staff if they are available and if they are in the office. If they are not available, customers can always ask for a call back. Staff are currently working from home however, this should not impact the service you receive.

Posted 3 years ago

“Due to an outstanding claim delayed because of lockdown my renewal premium was increased by nearly 80% ... smacks of bad practice due to no other company taking on insurance due to outstanding claim”

Helpful Report

Posted 3 years ago

Thank you for your feedback. Unfortunately, this is a difficult time for us all due the current pandemic we are facing. This does mean Loss adjusters have not been able to travel to your property due to government restrictions. We apologise this may cause a delay with your claim however, this is unfortunately out of our control. Your insurers will be keeping a close eye on the Governments guidance when updates are released, which will allow them access to your property. Your renewal increase is mainly due to the extent of your outstanding claim, and loss of no claims discount, which has caused an unavoidable total increase of 60%. This also considers several factors used 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.

Posted 3 years ago

“The renewal was more expensive than expected and I am waiting for contact regarding a small claim”

Helpful Report

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. Regarding your recent claim we have contacted the claims handlers to see if we can be of any assistance. We understand they have been liaising with you and have requested further information which they now await.

Posted 3 years ago

“Disappointed at the price increase this year during an economic crisis - my premium has increased by 20% from last year. When I called i4me to question this they would not reduce the quote. I had to provide a quote from a different insurer before i4me would reduce/ match their quote. In future I may move to a different insurer for this reason as I do not feel they deserve my loyalty”

Helpful Report

Posted 3 years ago

Thank you for your recent review of i4me I can see that you presented alternative quotations to us, however the sums insured that you had chosen when shopping around were significantly different to what you had asked us to quote on. The alternative quotation you provided did also not provide cover for theft and malicious damage by holiday makers. We work with a panel of insurers and we have been experiencing increased rates from all members of our panel, however we still find them to be competitive. When we amended our quotation based on the same levels of cover you were asking our competitors to base their quote on we were competitive. 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

“Disappointed that the insurance premium was 25% higher than the previous years fees with absolutely no reason given.”

Helpful Report

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.

Posted 3 years ago

“18% increase excessive for low risk property. Change very possible.”

Helpful Report

Posted 4 years ago

“Put up price in the beginning but reduced in back when we said we had found a better deal elsewhere”

Helpful Report

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. Where you have received a like for like quote with comparable cover we are able to refer cases to your insurers, to see if they are willing to reduce their cost.

Posted 4 years ago

“They did the typical thing of providing a much higher quote than last year and then easily reduced it when I phoned to enquire why it had gone up so much. They clearly don't value loyal customers which is disappointing and leaves a very bitter taste that they try that on.”

Helpful Report

Posted 5 years ago

Thank you for your feedback and your continued business. We are sorry you think we don’t value our existing customers, so we would like to assure you this is not the case, we value all our customers, existing and new. 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. In addition, you will appreciate that it is their prerogative to alter their prices as befits their commercial planning. It is therefore not a case of us quoting an artificially high price with the expectation of reducing it when the customer questions the quote. In your case, we were able to negotiate a reduction for you, but this is not always possible. This was the best that we could arrange without altering any details, as demonstrated by the fact that we were unable to offer any further movement when you requested a further reduction. Finally, we would like to confirm that renewals are not mandatory and we contact our customers in good time with an idea 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 5 years ago

“renewal value was 15% increase despite no claims.”

Helpful Report

Posted 5 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. Following all of these factors your insurance premium has increased 8.73%.

Posted 5 years ago

“Good service that could be improved with auto renewal”

Helpful Report

Posted 5 years ago

Thank you for your feedback. We advise that we do offer auto renewal for policies which are paid on a direct debit basis and this option is provided in your renewal documents. Finally, we do not offer auto renewal for premiums which are paid in full, this is due to us not storing card details on our systems for security purposes.

Posted 4 years ago

“I had an acceptable rate last year but at renewal I had to look back and check what the annual increase was. I did the calculations and it was a 14% increase! I queried it and got a "special discount " Be very wary. They try and push a new rate on renewal to increase their profits. They are NOT acting in your best interests.”

Helpful Report

Posted 5 years ago

Thank you for your feedback. We are sorry you think we take advantage of our customers at renewal, so we would like to assure you this is not the case. 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. In addition, you will appreciate that it is their prerogative to alter their prices as befits their commercial planning. Finally, we would like to confirm that renewals are not mandatory and we contact our customers in good time with an idea 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 5 years ago

“I was promised a paper copy of my new insurance documents when I took out the policy, after some months I have still not received the policy.”

Helpful Report

Posted 5 years ago

Dear Mrs M, Thank you for your feedback. Having checked your records your documents were posted to you the day after you arranged the insurance and we emailed you to confirm this. We will post a duplicate copy to you today. Kind regards i4me Limited

Posted 5 years ago

“Well,when I took out your guest house insurance last year,it was confirmed with a welcome letter etc. However this year when the insurance was due for renewal,we received no letter,just an increase amount almost matter of fact and when I said that my trade would be even less than 3 rooms this year I had to argue to get the premium down in price,but still higher than last year. I took it but was not happy with your attitude towards an existing customer.”

Helpful Report

Posted 6 years ago

Dear Mr & Mrs W, We are very sorry we have not lived up to your expectations on this occasion. We have looked into the circumstances and can confirm a renewal invitation letter was sent to you by both email and post, which is our standard practice, along with your other renewal documentation. The renewal letter outlined the invited renewal premium for this year, together with an explanation that your sums insured had been index linked. This, as well as the increase of the Insurance Premium Tax to 12%, is the reason why your renewal premium for this year is higher than the premium you paid last year.

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