Cover-4-Less Recenzje 

Very clever marketing by the Cover 4 Less team. Good at stating what you do get but not very transparent regarding what you don’t get if don’t do A/B/C/D/E/F.

They then reference you back to the IPID document, so then it is your fault.

Having read through the reviews and the responses would have thought they may have changed their tack or even changed they way they promote their services.

Anyway, had the same issues as previous reviews, you pay monthly but because you have attempted to make a claim within the 1st year you have to pay the policy in full. Clearly missed that in the IPID

Can’t claim within 1st 30 days…. Make sure you read the IPID on that point.

Also noticed it is not new for old if cannot be repaired but a maximum of £500 will be paid on a TV worth £1,250. I guess my fault for not realizing that….. should have read the IPID, sub section 4, item 2, subgroup 22, paragraph 6, page 111500

Also, if you don’t have proof of purchase then it goes to underwriters to decide if you will be provided with a replacement, apparently found in the IPID as well.
So, it would look like going from a 65inch to a 14inch once the £500 has been covered off

We do love a piece of small print don’t we, sorry don’t they
So, my scenario is this.

TV has a possible fault, and the policy has been in force for approx. 4 months. So, I must pay the balance of the policy- in full, fill in a claim form, provide a receipt (don’t have as a gift) and wait for a repair to be arranged.

So, if there is a fault and it can’t be repaired then the underwriters will decide if they will pay out, as I do not have a receipt. We all know where this will go as a conclusion.

Also, veryyyyyyyyyyy cleaver when I was reporting the fault. First question was “has it been knocked” that would have rendered it as accidental damage and you are not covered.
Now having looked through all items not covered in the policy for the life of me why the hell I took out this policy I will never know?
Anyway, everything now cancelled, and a lesson learnt. I do look forward to the reply…… it may go something like this……
“We are sorry to hear you are not happy with your policy. We do include all this is information in the short Insurance Product Information Document (IPID) that all purchasers buying the policy online have to confirm they have read”
They hide behind the small print and what is it with having to provide a receipt for god’s sake? If you want a receipt, as proof of purchase, then request at the beginning of the application.

But of course, you won’t do that because it is your get out of jail card for not providing any form of customer service.

“And there it is!!!!!!!! the good old IPID response 😂”

I called to add an item to the insurance and also to have a dishwasher repaired. I picked this one as it stated that I was covered from the day I started and I had heard a couple of funny noises from the dishwasher. Now they say that in the fine print it says I cannot claim for 30 days but I was covered from the start. COVERED FOR WHAT ?. This is a deliberate miss guidance to customers and they have taken the payment on the 17 November. Surely they shouldn't take payment until I'm covered or their outside my WAITING PERIOD.

From when I phoned about the problem with the washing machine I found the company was very quick in dealing with the assessment and replacement - I was very thankful for the speed it was conducted as we were going away to Australia for 6 weeks and it was in and working 3 days before we went - excellent service

It was an easy and quick experience to get my things ensured thank you

Friendly service

Easy, Efficient & excellent customer service

Ease of completion of cover form .
The range of insurance cover available was better and better value than other companies .
Offering fewer exemptions than the other companies I looked at.

We applied on line and afterwards received an affirming and informative call that advised how the contract could give a similar result at reduced cost. Very thorough and reassuring.

I hope, if we need to have a call, the performance will be as good

The setting up was very easy, however, I have only just taken out this policy, so I have no experience of how or what will happen if I should need to make a claim

Online experience straight f
orward with ease, staff were helpful and kind.

Easy to use website. great chat service. quick and reliable.
they rang to make sure everything was ok with service and policy.

Went with them mainly because of price. Big mistake. Had cover for home emergency and although the website says 24/7 this is not the case. Tried calling the supplied phone number at 10pm and although it gives you an option to select on your phone it just continually repeats the choices. after a dozen attempts I gave up. it does work during office hours but is pointless for emergency cover. Just contacted and cancelled my cover and will go with a reputable company who actually provide the offered services

cover 4 less happy to take monies and when you claim they do anything to get out of paying
I had oven covered they wanted a breakdown of every item when i purchased my home in 2020
It was a house purchase they wanted to see a list with oven on it REALLY - I offered to show my purchase details - then they said the terms state if you claim after the 30 days you have to pay the whole amount even if paying monthly wth

FRAUD FRAUD FRAUD should have listened and gone with a reputable company be aware

Brilliant service and didn't wait long for them to come out

was great site easy to use reasonable prices

Straight forward, reasonable price.

Excellent from initial call to engineer fixing the problem

Good easy website to use.
Was contacted with 24hrs of purchasing cover to make sure all was ok 😁

Easy to build your own quote to suit your budget amd requirements