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Chill Insurance.what is your experience?

  • 27-09-2022 10:53pm
    #1
    BingCrosbee
    Registered Users Posts: 260 ✭✭


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



Comments

  • #2
    callaway92
    Registered Users Posts: 14,302 ✭✭✭✭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



  • #3
    endofrainbow
    Registered Users Posts: 2,592 ✭✭✭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.



  • #4
    mondeoman72
    Registered Users Posts: 812 ✭✭✭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.



  • #5
    callaway92
    Registered Users Posts: 14,302 ✭✭✭✭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



  • #6
    Bojill
    Registered Users Posts: 342 ✭✭Bojill


    Expensive compared to going direct.



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  • #7
    callaway92
    Registered Users Posts: 14,302 ✭✭✭✭callaway92


    https://www.boards.ie/discussion/comment/119703756#Comment_119703756

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



  • #8
    Bojill
    Registered Users Posts: 342 ✭✭Bojill


    https://www.boards.ie/discussion/comment/119704877#Comment_119704877

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



  • #9
    PsychoPete
    Registered Users Posts: 8,535 ✭✭✭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



  • #10
    Nuts102
    Registered Users Posts: 8,695 ✭✭✭Nuts102


    Signed up with Chill for Liberty Insurance over the weekend.

    Where I paid the deposit and agreed to monthly payments by direct debit.

    I got an email off Close Brothers on behalf of Chill looking for my documents.

    The Total Payment under the agreement is a few hundred more than what Chill quoted me.

    Not sure if I am doing anything wrong.

    Has anyone dealt with Chill lately?



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