NIG Commercial Reviews 68

Shocking I had a neighbour crash into my parked car I have been told after 9 months they won't make a claim on my behalf and they are closing the case because they say my excess is £850 Im in shock this is not right

Date of experience: June 04, 2025

They should be honest
They should settle al claims by joint negotiation.
Why drag a claim until 6 mths run out
Also refuse Ombudsman support if they are at fault.
Decline SCRAP VALUE ...WHY
But keep it for there benefit????
Why are they still allowed to trade.
They ignore replacement values.
So replacement 4500.
Forced settlement after 6 months
3500
Compensation 500
Total 4000
Less Scrapage 500
Net cost to Nig 3500

WHAT A CON

Date of experience: September 22, 2024

Had a claim against me with is non fault. Only talk to you when they feel like it. Got told case was closed and no further action, but then 2 weeks later I'm being asked for my turn of event!!! Hoe can his happen when even third party was 2 weeks passed the deadline?

Date of experience: February 12, 2025

NIG were amazing, they were able to fully support me throughout my claim process and i would highly recommend using them as an insurer for your business property

Date of experience: March 17, 2025

Lost all my NCB with this lot, only down to misconduct one of their staff. Its shocking really that i have leave this review after being a customer for a few good years….. avoid Pete Best.

Date of experience: November 08, 2024

I would very strongly recommend against taking out an insurance policy with NIG.

For over a week, NIG denied that my policy covered an accident in the EU. They asserted this without even reading the policy (they asked me to send them a copy!)

Customer service is a joke - on call #8 they hung up on me.

Would give a 'zero' if able.

Date of experience: February 24, 2025

We have used NIG for our business insurance for our Nail Salon for a number of years, (no claims ever made). However, last year, they introduced a flooding excess of £10k, which has now risen to £25k (Even though the Environment Agency rates the area that our business is located as low-risk. NIG (conveniently) regard the area as high risk!) Furthermore, the premium on our latest renewal proposal shows a 50% increase on last year. Needless to say, we will not be renewing with them.
Interesting to note that their apparent greed coincides with them having been taken over by Royal & Sun Alliance in 2023 - a company that also gets appalling reviews!

Date of experience: February 17, 2025

Absolutely awful company. Sent the cheque for the settlement to the total loss company, instead of to me. Total loss company emailed them immediately to say it had gone to the wrong place and they would destroy it. They didn’t reissue, or contact me. I’ve had to chase payment myself. Been left without payment, a car and out of pocket as the hire car company recalled the hire car thinking they claim had been settled, despite me not having received a penny. When I finally tracked down the issue after going round in circles, I was assured by email a bacs payment could be made and asked for my bank details. When calling to follow this up (as no reply to my request for a time frame) spoke to an incredibly rude woman on the phone who said “I don’t have to talk to you” and wouldn’t put me through to a manager, saying I had no entitlement to speak to one. I was then hung up on. I still have no money and no resolution. Absolutley disgusting.

Date of experience: January 30, 2025

DO NOT USE.
Worst company to deal with , won't pay or try to give you as little as possible.
0 stars would be a better score.
DO NOT USE .
ABSOLUTELY TERRIBLE COMPANY SHOULD BE INVESTIGATED.

Date of experience: January 22, 2025

Do not accept their tactics to avoid claims and lower paying out. Takes time but fight them. Under consumer duty they have to act in good faith and bring good resoultions to the customers whose risks are accepted by premium charged. Complaint the minute they fall sleep, demand evidence, refer them to Ombudsman and take them to Court. That will take their profit away so they would be less inclined to treat consumers like theives whilst profiting from their true loss.
If you have choice go elsewhere. 15 months from claims an interim offer made converted to full settlement because they do not read well.

Date of experience: January 10, 2025

My bike had no insurance because I just bought and I put it as sorn, and what happened was my plates was clonned and I received a couple off letters saying my bike was in a bad accident and now I’m apparently supposed to pay them 4/5.5k I feel like this is as scam, not a real company buy what I’m reading in other reviews and etc

Date of experience: September 25, 2024

I totally agree with every single comment here. Obviously, the bad ones because this NIG are all but good, trustworthy, deliver what’s promised on their insurance policy….and so on.
Also wasted my time by having to speak to 4 people in 4 different phone numbers and at the end, I had to fill out an online form. What!?!? What’s the point explaining 4x and then write it down? Time wasters and money grabbers only!!
Of course you all know that!! They want to get the story straight hence 4 people asking “what happened?”
They cover only works done by your grandma, if that much. Totally scammers.
I damaged some floor boards in a property and stud wall, but they didn’t care and won’t help myself, my business and my client. Let them call me again next year to renew this policy….. I will tell to go fcuk!!!

Date of experience: September 09, 2024

27 weeks to finalise a claim in a clear cut, no fault accident, in which a driver shot a give way junction in a 20 mph zone , straight into the side of my car.

Date of experience: January 01, 2024

Their client flooded my house in March 24, and still waiting, no help at all having to chase them, had to get my own quotes, value everything myself. Been ill with mental health due to home being wrecked and they don't care. Awful company one bedroom out of use still and hallway and another bedroom damaged. One member of staff left the company and no notification, called again last week got told I will look at it in the next couple of days and still nothing,.send emails no replies.

They have caused more issues on top of having my house flooded.

18 WEEKS NOW SINCE DAMAGE.

RUINED MY HOME AND DRAGGED IT OUT TOO.

STILL.WAITING FOR COMPENSATION

Staff don't care.

Date of experience: July 28, 2024

We had a water ingress issue, where the there claim document says it covers, we have checked with the surveyor and he also works for the insurance company, he clearly mentioned that is should be covered by the insurance company. They have sent there engineer that guy gave completely wrong survey and they dont know how to check the issue, inorder to avoid providing the claim they gave a wrong report and said they will not cover the claim even it shows in the report it covers. Very bad insurance company they only collect money and dont pay. Don't go with them.

Date of experience: July 09, 2024

Brilliant first meeting with Allan! Great information provided, very helpful and a very easy going meeting. Looking forward to dealing with Allan for any further interactions we may need as he has been a pleasure to deal with and the process seems to run as smoothly as possible.

Date of experience: June 27, 2024

Absolutely appalling, total lack of communication, 4 weeks so far to sort a NO FAULT claim where someone reversed into my parked car! They do not care, they dont respond, avoid at all costs! £2k premium down the drain in my opinion. Their "approved garage" quoted £8000 in repairs and wanted to write off - which would have left us £1000 out of pocket as car was on HP. Recovered to our own workshop and only max of £3000 damage. Requested copy of other quote and still not received - very dodgy and wouldnt trust them again. Renewal due next month, guess where I wont be sending my business!

Date of experience: June 21, 2024

Truly shocking, reply on average to one in every 15 emails, even then, circa 2 months late

Date of experience: May 13, 2024

This company is a disgrace I had my work van stolen . This company could not have been anymore unhelpful even sending allied universal a fraud company to investigate I find this shocking . Quite willing to take payments but when I need their help they turn to a pack of wolves I paid for replacement van on policy it was eventually organised after speaking with a very condescending individual I was told I'd be given a replacement for 60 days was told I'd be given a week after waiting for over a week I was contacted by enterprise inverness Airport only to be told night the underwriters had cancelled my booking I was shocked I'd recommend no one ever uses this company it was through dialdirect. ABSOLUTELY TERRIBLE SERVICE

Date of experience: April 26, 2024

I recently had to file a commercial insurance claim with NIG, and unfortunately, my experience left much to be desired. From start to finish, the process was marred by delays, lack of communication, and an inadequate payout.

Firstly, despite promptly filing my claim and providing all necessary documentation, there were significant delays in processing. It took an unreasonably long time to receive any updates on the status of my claim, leaving me feeling frustrated and uncertain about the outcome.

Additionally, when I finally received a settlement offer, I was extremely disappointed by the amount. It fell far short of covering the full extent of my losses, leaving me in a precarious financial situation. As a loyal customer, I expected better support and a more comprehensive response to my claim.

Furthermore, the lack of communication throughout this process only added to my frustration. There was a distinct lack of transparency regarding the status of my claim, and I often felt left in the dark about what was happening.

Overall, my experience with NIG was deeply unsatisfactory. I expected better service and support, especially given the nature of my claim. I hope that the company takes steps to improve its claims handling process and communication with customers in the future.

Date of experience: October 06, 2023