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Comparison site good deals could jeopardise insurance claims

Consumer champion Which? has raised doubts about buying insurance through aggregator sites. It claims that the price you see isn’t always the price you pay, and that some policies could prove invalid in the event of a claim.

Which? tested 11 of the most popular comparison sites and found that many of them use pre-selected answers and assumptions on their online forms. It believes this creates ‘one size fits all’ policies which may be unsuitable and could be declared invalid if a claim is made.

According to Which?, many quotes from comparison sites don’t include extras up front and that these are only available by clicking through to the insurer’s own site; on others these extras are automatically added on and applicants have to remove them if they are not required. In both cases, this results in an increase on the original quote.

Which? offers the following advice for users of comparison sites:

  • Check all questions for pre-selected answers as missing anything could affect your premiums and could jeopardise any future claims.
  • Check all details carefully to make sure you’re getting the cover you need.
  • Obtain quotes direct from insurers as well as through comparison sites as not all insurers will be listed.
  • Watch out for unwanted extras if you click through to the insurer’s site.
  • Read the privacy policy to check how your personal information is going to be used.

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