Bestinsurance Bewertungen 

The amount of paperwork and admin involved with progressing a claim is so much and when you're not at all well (I had cancer, surgeries, sepsis and chemotherapy) this is the last thing you need. I mentioned this to the team and their response was, we need the infomation to progress your claim - not particularly helpful or supportive like the suggest they would be. Also, this meant I didn't get any payments (income support) for ages after I stopped working. I had to stop working in November 2025 and I didn't get my first payments until May 2026. This put me in a very difficult financial situation. Also when calculating my payment, it appeared that they would calculate in whatever way would pay me the least amount of money, which I found very frustrating and went back to them three times to correct them or clarify how they calculated my payment. I did increase my payment by 70% by doing this so would recommend questioning the calculations if you are not agreeing with the amount.
The team members who worked on my claim were very kind and communicated well with me, ensuring my queries were dealt with in a timely manner and kept me updated if there were any delays which was appreciated.

Very good experience with this company so far. Following recent redundancy it has been a real help. Helpful and swift communication. Recommended.

This insurance has really helped me whilst looking for work at a difficult time.

Easy to use, the only thing I found hard is having my personal statements analysed to the point of explaining my mum giving me £20, whilst I appreciate they need to ensure no income, that’s a bit much.

All the staff are helpful and friendly though, I would recommend this company

My 1st enquiry of taking out income support was delt really quickly, I didnt need to ask any questions due to it all being explained clearly, I put a claim in as I had injured myself, this wasn't so easy but it has been excepted.

Garbage insurance ,you believe i have been paid well as of 6pm friday recieved f*#k all ,i am now meeting a solicter on monday afternoon to let them deal with it,i shall be claiming compensation for streess,and having to take a pension early to pay my bills

Clear fair and honest with handling my claim for income protection insurance.

Great communication throughout my claim from the staff at best insurance and great support for any queries and questions I have raised .

The team helped me through the process of my claim making the process easy. The staff were all easy to deal with and actioned my emailed correspondence promptly.

Customer service is excellent and they keep their promises unlike other companies that just pass the book and always kerp you informed excellent company

Great communication with everyone I’ve encountered. Claim went through Claims Cogs. They kept me advised of what was needed in process of my claim. Along with timeframes etc. invaluable having this cover. I am very thankful that I made the choice to continue with my cover

First class customer experience with friendly and U.K. based staff dealing with my claim. I would highly recommend using this company

Awful experience after being made redundant in Feb, having claim denied to having to appeal & having decision overturned.
The main issue is best insurance pass everything onto claims cog who are impossible to contact on phone, your told repeatedly they will call you back which never happens and any timescales you're given are never met.
Being made redundant is such a stressful time and the the total lack of support & communication enhanced the stress, my claim went on so long I had to go back to work earlier than I would have liked in a role that wasn't suitable but had no choice as insurance at this point had been declined.

I found any dealings were fast and helpful and my claim was dealt with speedily and I was kept informed on the various different stages.

Do not use this company, their underwriters will twist answers between you and your company, then decline your claim, whilst collecting royalties for years. Nothing is straight forward and they will drag it out, until what they think is something in the small print.

Faithfully and honestly paid my policy for 3 years. I was made redundant in April 2026. So I initiated a claim, but very quickly the tone of any communication clearly changed into "how can we weasel out of paying this?" Asking me ridiculous questions about an unrelated purchase my company did of another one over 2 years ago and how that affected my role which was absolutely nothing to do with my redundancy, it was ultimately as a result of work being offshored to the Philippines. Thankfully I was able to advise that I'd found a new job and just to cancel the claim and my policy. Lesson learned, I'll just put savings away from now on to tide me over if this happens again.

Two payments were taken, despite two emails, I did not receive a response. I contacted my broker who contacted them directly and they were meant to issue a refund by last Friday which they did not do.

Very poor customer service.

Trying to get a hold of their customer services but as yet no response. It appears that the insurance provide for my unemployment and income protection is now not FCA regulated. I’ve been paying premiums for over two years. Do I complain to the Ombudsman? I feel mislead and clearly ripped off with regards to the policy I took out. The underwriter had changed hands once to Red Apple Finance Ltd so if you are paying into this business then think again as they have multiple warning on their products and appear not to be FCA! Best insurance senior team please he in touch ASAP to discuss a resolution and compensation.

I took out an Accident & Sickness policy with Best Insurance in mid-2025, and then had a serious accident at the beginning of January 2026. I started the claim process about a week later.

By the end of January I was trying to complete the ClaimsCog form, which is a 48-page PDF, not even a fillable form. The issue was that I had multiple serious injuries and was severely incapacitated, so completing a document of that size was not exactly easy. I contacted both Best Insurance and ClaimsCog by email and phone and specifically asked whether there was any rush, and whether delay in returning the form would delay the first payout. I was told no rush, and no, it would not delay payout.

I then submitted the completed form at the start of March with ID, bank statements and the other documents requested.

Since then, getting any meaningful communication has been like pulling teeth. It has now been nearly 3 months since the accident and I still have no proper decision. I was originally given the impression that the first payment would be around 60 days after the accident, so that has turned into a pretty grim joke.

What makes this harder to understand is that the claim is not some wildly complex mystery. It was a road traffic collision, not my fault, the other driver was uninsured and unlicensed, police seized the vehicle, and there are serious injuries. Yet the process has involved long periods of silence and chasing.

The delay is not just frustrating, it is now critical. I have been left without income and I am in a desperate financial position, so I am now simply hoping this payout is made soon because it is genuinely vital for my survival.

The most ironic part is the original line from Best Insurance saying, “Our team is here to provide support and ensure a smooth experience for you.” That has not been my experience at all.

The advisor Ben Yeoman listen to my question and he answered them and explained all I needed to know thanks Ben excellent service would recommend Best Insurance

I'll preface this by saying some (most?) of these negative reviews are from people who seemingly didn't understand the policy they'd spent hours conversing over the phone and email and agreed to ultimately purchase.

I took out 2 x Unemployment (and sickness) insurance policies totalling £4k with Bestinsurance 4 years ago.

After 9 years in a role i was made redundant in December, i claimed in December and by the first week of March we'd finished and it was sent for a decision.

Today i was approved for both policies, with the first payment due in a few weeks.

I don't think i spoke to Bestinsurance once throughout the whole claim process, everything was via the claims handler, Claimscog.

Bestinsurance sold me a policy that covered exactly what i needed should the worst happen, which it has, unfortunately. I haven't got anything negative to say really, apart from them being a little slow at times with email communication.