“TLDR: Totally Insurance illegal started a policy on my behalf without my consent...
I was told I had to go through a series of questions and an underwriting to get an exact quote for sports insurance. I expressed I wanted it for my bicycle more than myself, but decided to get the quote anyway after being told they only did it for the rider, not the bike, as I thought I could always get a second policy from somewhere else for the bike.
I was told I'd receive a code from the insurance provider - Royal London - that I'd need to activate to start the policy, so I was assured by Tim at Totally that I wouldn't be starting a policy, just receiving an exact quote.
Deciding not to go ahead I started a policy with another provider.
3 months down the line, I had an email from Royal London welcoming me.
Tim, and Totally Insurance had proceeded with my policy despite not activating a code or giving authorisation to do so.
Royal London quickly cancelled the policy and were very pleasant.
Totally said it 'didn't sound like Tim' but I received a voicemail about 10 minutes after the cancellation, from Tim, exclaiming that he activated the policy on my behalf because he was worried I'd be without insurance as I hadn't gone ahead with the policy.
Pretty sure they acted illegally, but at the very least they were very sneaky and dishonest.”
“Andy was awesome went through everything in detail so understood everything fully. Spent a lot of time to make sure I got the best policy but within my price band. Was worried a few old injuries would be a problem but he sorted it all out. Great service, ended up with great cover for income protection and critical illness”