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Chill Insurance.what is your experience?

  • 27-09-2022 9:53pm
    Registered Users Posts: 244 ✭✭ BingCrosbee

    I have just renewed my motor insurance through Cill Insurance and what a horrible experience.


  • Registered Users Posts: 13,097 ✭✭✭✭ callaway92

    They’ve been very good for me

    Used them in 2020 for the first time (with Liberty)

    In 2021 I used Liberty directly instead as I was able to get a good reduction

    In 2022 I went back to Chill (again with Liberty). In 2022 I went direct debit and actually had issues - even though I was paid up for the first 6 months I ‘missed’ a couple of direct debits with the crowd that do the finance

    By right I needed to pay the rest up front, but chill we’re able to set a payment plan of sorts

    Would recommend using them tbh

    Generally though it should mostly be about being cost efficient as much as possible

  • Registered Users Posts: 2,223 ✭✭✭ endofrainbow

    As Chill are a broker, any issues occur with their product providers or finance companies. I've found smaller brokers to be that bit more diligent.

  • Registered Users Posts: 493 ✭✭ mondeoman72

    I was with Aaron insurances, harolds cross. Great service. Chill bought them. Renewal by Aaron inside Chill was good. For the crack I got a quote from Chill themselves. Much dearer. At 2nd renewal, I am assuming the Aaron office inside Chill is now gone. Zurich were cheaper than Zurich from Chill. Tried to contact Chill, couldnt get through. Tried them a couple of more times, couldnt get through

    Goodbye Zurich via Chill - hello Zurich via Zurich.

  • Registered Users Posts: 13,097 ✭✭✭✭ callaway92

    That's fairly standard with any broker though - When you join first you get a great deal, but the renewal is where they get a bit chunk

    e.g. €400 first year with them...renewal might be €500 and they'd allow you to negotiate down to €440...easiest extra money they'll ever make

  • Registered Users Posts: 317 ✭✭ Bojill

    Expensive compared to going direct.

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  • Registered Users Posts: 13,097 ✭✭✭✭ callaway92

    I would disagree with that as a 'new' customer. For renewals though yes, I would agree

  • Registered Users Posts: 317 ✭✭ Bojill

    No worries, in my experience they have always been more expensive.

  • Registered Users Posts: 7,526 ✭✭✭ PsychoPete

    I was with them twice and couldn't fault the service. They were cheapest for me both times I was insured with them and found the customer service very helpful