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Having recently renewed my personal car insurance, it's very easy to be fooled by the 'UNLIMITED WINDSCREEN COVER' bit on the proposal. But when you ask them to elaborate what it actually means, no fecker can tell you without referring to notes, or calling on the office manager.
I don't think they make it clear enough. And to many policyholder, it comes as a surprise that they have no choice but to go with the insurer's nominated supplier rather than pay the balance ofter collecting the 50-quid the insurers offer if you don't want to do as you're told.
ICOBS 6.1.5 is a requirement.
"A firm must take reasonable steps to ensure a customer is given appropriate information about a policy in good time and in a comprehensible form so that the customer can make an informed decision about the arrangements proposed".
In my opinion, paying into an insurance scheme - one which indemnifies you for loss - what will happens in the event of a claim (ie, if there is any steering and/or limits/penalties/double excesses etc) is quite a salient point, no?
So many find out when it's way too late.
Today I costed up a to put a Porsche 996 windscreen right for an insurer. They have NW on their books as an 'approved' repairer. The car owner had a series of complaints: creaking, leaking, trim not right, A-pillar trim damage, cut to headliner; scratches to paint. As soon as a saw the car, the first thing I saw was the Ford Transit windscreen trim around the glass. I kid you not.
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