Prestigeunderwriting Omdömen 

I would not recommend this company!
After having a policy for a year I renewed it as the cost was in the range of others. Half way through the year they write to tell me that although my documents say I am insured for flooding I am actually not!! According to them though it is not their fault as the underwriters that they insured me with don’t insure for flooding but they did not know about it so they had included it in the wording of my policy but if I had flooded the underwriters would not have paid out.
The letter they sent simply said that they were altering the terms of the policy mid term to exclude flooding. No big red warning words on a letter, it just looked like a normal circular. I have had to cancel the insurance and take out another policy and only concession was that they would somehow cover me for Flooding ( for the first time in 1.5 years! ) the 21 days cancellation period.
When I have complained, the answer was not it was, that it was not their issue it was the underwriter so dismissed the complaint.
Note.... I am not in a flood area and have never to date flooded!

I would not advise using this company at all. Please let me explain.
I am living in , with my 84 year old mum ,due to her health and trying to protect her from Covid _19 as a key worker . This statement is all my own choice and not for sympathy, it's just so I hope you see the evidence of deliberately stalling for time ,by this company, unforgivable! enhanced with conditions we are living in.
I am at this time going through complaints procedure, and honestly getting ,just more time delaying and unnecessary stalling since January . I am actually insured with Legal and General , Prestige underwriting my policy . I am writing a complaint to the chef executive Nigel Wilson of Legal and General as I feel he should be aware of how customers are treated and damage to his companies reputation .Prestige , I feel have disposed of all my things , stalling for time in my and mum's living conditions as a ploy so I just agree to anything ,but I won't !
There is no way any of us law abiding people with morals should feel bullied by unscrupulous companies who turn the situation to their advantage
I am going through complaints procedure and they feel 8 weeks for them to look into it is ok ?
I live in a flat , the People upstairs admitted had a leak back in January. Admitting full responsibily .
I called Prestige, stating I've never made a claim and not sure what to do
My lounge was soaked . Water coming through my ceiling , all over my Chinese rug, leather suite, carpets , down my walls ,in sockets . I honestly couldn't believe what had happened.
The people upstairs helped me lift my rug , and put it outside . I was totally devestated .
The insurance company Prestige / legal and General . I'd like to say ,so far I've not contacted Legal and General .
I heard nothing back from my insurance , got emergency electrician in as my house kept fusing . Sockets were replace . My fire ,TV on the wall were damaged with all the water aswell .
Prestige arranged for testing on mceiling for asbestos, and told me to open windows and leave my heating on day and night to help dry out my place. I did .
Two weeks later ,I had to call them again . They had not called me back but my ceiling was ok. They had just not got around to telling me yet !
About another week, my place still had all my furniture in it and the smell was horrendous but I still had to stay there .
They eventually sent a company to asses the damage . Everything was taken away and dumped ,nothing could be saved.
I've never been so upset seeing all my belongings lying outside waiting to be dumped .I could understand ,this but it was a reality check but very personal , a rug my mum bought me for my 50 birthday before she was ill .
The company Bellfords who took all my stuff were very understanding and I'd say excellent!reassuring that things were going to be ok .
So far I've had two loss adjusters from Sedgwick . No contact from my Prestic at all.
I know I may sound thick but never made a claim ,I thought they just brought my furniture back or got me new stuff, the same as I had.
The first loss adjuster ,said he would get a company in to fix my ceiling and floor and I was to find prices for my things .
I never heard anything back .
My new loss adjuster Mr Proctor .
I sent information regarding building costs and my things .My living conditions was now unbearable and due to covid , I had to move my mum in here . So I was desterate to get things sorted
He has said my company are only willing to pay half the costs of building _ £750 and Vat , I didn't agree with this at all. The people living above admitted full responsibility , that makes no difference as it's coming from my insurance . I honestly don't understand any of this .
So we are now in April .
I asked for complaints procedure, they took two weeks to send it in the post rather than email it.
I got flooded again yesterday , from upstairs. Contacted insurance . I got cut off . Apologies but I find this disgraceful.

I took out insurance with Age uk for buildings and insurance the UNDERWRITERS were PRESTIGE
i contacted them when i had a Water leak in my attic due to a tank valve and water was coming in to my house
but i at first thought that it was because i had not long had my house thermally wrapped and thought this was the problem.
they sent an estimator who never went into the house to check for any damage etc
then they said that i was not covered under the policy for any damage done to my property due to the wrapping.
i pointed out it was an all risks policy and they replied but only for contents and also that the leak was nothing to do with them as that was also not included
this company is a sham and will not pay out for anything
i have requested as to why my house is not covered by insurance
Because the company that did the job want to know as they have done 1000s of houses the same
they just pass me off to AGE UK who tell me to go to prestige
I am an old man who is disabled and cannot do these jobs my self that is why i needed good insurance to help me
totally disgusted just because you are old doesn't mean you are stupid

ROBIN ESSEX

I wish I could give no stars but not able to Well what can I say !!! What a terrible company , before you insure your precious house ask your insurance company who they use for underwriting before you take it out . After taking nearly £1300.00 of me to insure my property which is in a flood risk area , we were unfortunately flooded and guess what , they are not paying out a penny , even though I spent a few hours in the phone when I took the insurance out going through all the details with a fine tooth comb , they are now telling me u am not insured , I will be fighting it , but beware because the same thing is likely to happen to you

Arrived home to find water dripping from ceiling, assumed after a few days of storms that I’d be covered under the home emergency cover and it would be sorted quickly and before the ceiling collapsed; how more wrong could I have been!

It took 2 hours to finally speak to someone, not what you need in an emergency, but then I was told that storm damage to a roof was not covered; however, the agent could not tell me where this was stated in my policy.

Decided to pursue the matter through buildings insurance only to be told it was up to me to find someone to check the roof, identify the problem, and then Prestige might consider if I was covered - unbelievable, begs the question why bother paying for insurance that you think will be there to help when needed.

Needless to say policy cancelled. Stay clear of Prestige and Sainsbury who provided useless cover underwritten by Prestige - certain irony as you do not get a prestige service.

Contacted Prestige to claim for a partially collapsed ceiling due to a leaking water pipe. I was told it'd take 24 hours for them to verify my policy details, but the cost of a plumber and repairs to the pipe would not be covered! Also, there is apparently a £500 industry standard excess on all water damage. I got a plumber and had the repair to the pipe done at my own expense.

They called back the next day and said the damage to the ceiling was covered and they'd email with a note of what details they wanted. The email never arrived so I called them the following day and they resent it. It arrived immediately. Forwarded them a detailed description of the damage and photos within 10 minutes. Didn't hear anything else. Contacted them again and pointed out that if the rest of the ceiling came down it'd cost them a lot more. They phoned back a couple of hours later and approved the claim verbally and said payment would be made the following day. It wasn't. After 4 days I contacted them to be told they'd pass it to 'Accounts' who would have 24 hours to investigate. I politely exploded at this point and told them that they had 2 hours to sort it out as the builder was waiting. Miraculously the payment appeared in our account 10 minutes after that.

We can't recommend them, the combination of a ridiculous excess and having to push to get anything done just added to the stress of the damage. We'll be making a point of avoiding them in future.

Update 23/08/19: many weeks later, Prestige have phoned to discuss this. Firstly, they're sending us £25 as way of an apology for sending a letter about the complaint to the wrong address. As far as the actual complaint itself goes, no apology beyond "I'm sorry you feel that way". The lady I spoke to did nothing other than say that they had met their SLA and done everything within the timescales they set themselves. If that is the case, then buyer beware! They failed miserably to provide an efficient service and did, in fact, made a stressful and expensive problem worse. They don't accept this, seeming to think it's absolutely fine to tell you to wait 24 hours before beginning to deal with your claim, even when dealing with it quickly could save them money by preventing further damage. Rating dropped from 2 stars to 1 as they think this is fine!

Don't touch this company with a bargepole
I had reason to put in a claim as the guttering on our extension leaked on a Sat night Sunday morning contacted them on Sun morning and an electrition came out and disconnected the electricity to the extension and said he would be back to reconnect once the repair to the guttering was done
Wow the roofer arrived on Monday night at 9.15pm and did a temp job until an expert in the type of roofing that was insta\lled could be contacted and viewed
Contacted Prestige to be told that they would not cover the repair to the guttering they would cover the repair to the plaster in the extention but that there was an excess of £600 on that although on exanine my policy there was no mention of an excess of £600 on any of the policy
As they refused to repair the guttering and we would not entertain an excess of £600 for a job costng £200 we asked when we could expect the electrition to return to reconnect the electricity we were informed that it would incure a charge of £114.00
So this co come out and disconnect your electricity but will charge you to reconnect
Prestige should be ashamed to take pensioners to the cleaners in this fashion
Lorcan Whyte

Good experience.

Am in the process of a claim and the lass I spoke to this morning 19th Dec 2017 was amazing. Cheery and provided a service above and beyond what I would expect. I strongly recommend them.