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Home >> Car Insurance Reviews >> Budget (BISL Limited) Third Party Fire and Theft Car Insurance

Write a Third Party Fire and Theft Car Insurance Review Write a Car Insurance Review


Review of Budget (BISL Limited) Third Party Fire and Theft Car Insurance

Submitted by Rbins
Review Added: 11/2/2007 - Visitor Rating: 3.65 3.65 (34 votes)


Review Categories:
Car Insurance

Customer Review Comments:

I normally change my motor insurance company every year, something I've done about 26 times now. I pay for the year with a single payment. In 2006 I changed to The Budget Shop (aka BISL Limited). The year passed without incident and in 2007 I changed to another company. But surprise surprise, it seems that BISL had debited my credit card for an additional year. The warning that they were going to do this they apparently included amongst the usual re-insurance documentation that these companies send out. It was well hidden amongst the usual letter litter.

The legality of such a thing seems doubtful, and in 26 years no other insurance company has tried it. Anyway, having discovered the ploy I let the company know that I didn't need their insurance. They duly cancelled it ‚ but refused to refund the fee until the 'Certificate of Insurance' was returned. This I immediately did by recorded delivery ‚ but mysteriously money was not refunded. Eventually managing to speak to someone there I discover they 'had no record of receiving it'. So they sent a form for 'Lost Certificate' for me to fill in and return. This I did. Strangely they didn't seem to receive that either and sent another form for 'Lost Certificate'. This also I filled in and sent back. Then again. It took three Lost Certificate forms and a month of time before the credit card transaction was amended. And they kept £23.44 for themselves as a 'cancellation fee'.

Clearly they implement a strategy to try and trip people up with bureaucracy and hold on to what money they can get away with.

Whether people of such moral calibre are likely to pay out on anything but the most clear-cut insurance claim, isn't a risk I'd like to take. Maybe you're more optimistic.


Good Points: None known
Bad Points: Sharp practice
Customer Service Rating: 0/5
Value for Money Rating: 0/5
Overall Rating: 0/5
Made a Claim? No
Recommended? No

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Me as well. I signed up for Post Office insurance, which is also BISL and, apparently, nothing to do with the Post office. The insurance was misdescribed and I cancelled the policy, and am waiting for my refund - sounds like I might have a long wait!
Comment by Geoff Marchant
Date: 20/5/2013

BISL Limited also own Dial Direct and the internet is running out of room complaining about this company. I paid for one year in full, they said i didn't send them my NCB, when I phoned them they said they actually had my NCB and was told to ignore future Letters. They went ahead and tried to take more money from my account, they canceled my insurance without telling me and I was told it was because they didn't have my NCB. I was charged for the cancelation and was told my NCB had been shredded because "I" cancelled my insurance with them? I am lucky, my new insurance company phoned them and managed to get confirmation of my 9 years NCB over the phone.
Comment by john tait
Date: 16/8/2011

'Post Office' car insurance is managed by BISL. I have had great problems having a mis-sold premium refunded in spite of returning the original certificate six weeks ago.
Comment by john
Date: 6/8/2009

They're not the only company to do this, Churchill will also automatically debit your card on renewal unless you call to say you no longer want the policy. If you look carefully when signing up to BISL though there is a box that you can tick to stop automatic renewals.
Comment by IanB
Date: 3/4/2008

I can concur. Several letters including direct debit forms magically did not find there way to Budget. From other web sites this appears to be very common practice with BISL.
Comment by Huck
Date: 4/3/2008


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All comments in this review are the opinion of Rbins and do not represent a positive or negative judgement by UK Insurance Index of the car insurance company or policy reviewed. Whilst all comments are checked for compliance with our submission rules and guidelines we are unable to confirm any of the customer experiences documented. Please bear in mind that any negative reviews may be outnumbered by many more satisfied customers.
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