Royal and Sun Alliance Home Insurance

Please dont take out insurance with this group.

They will take your money and wont honour any claim u make.

Sent a contractor report about a storm damage. They did not even look at the report and made a decision not to pay.

Staff is not trained and not knowledgeable.

Dont even have any telephone manners.

If u email them they reply with an automated message saying they will be away for 2 weeks. No wonder they can be away for so many times as they milking the system and we are paying for their holidays

The worse insurance company in UK. I'm the Motability customer they don't let me, my name on insurance policy, I don't know exactly why. Never recommend. Poor customer service

Feb 18th '22 the Storm hit the UK.

Six (6) months later my brother is still trying to get RSA to cover the expense of roof tile replacements!

We had a surveyor come out in April, a builder in May, both recommended by RSA to give a quote to RSA and they are currently not agreeing to the quote.

However, with the roof tiles missing for 6 months, therefore the roof open to the elements, every time it rains, water comes in, the plaster board in the bathroom ceiling had to be taken down after the last heavy rains in August. Water came running down the newly painted walls.

In December of '21 we buried my sister in law due to cancer. Can you imagine a more stressful time to fight with your inxurance company who refuse to uphold their end of the bargain?

Disgusting Service!

Avoid RSA at all costs!

Royal & Sun Insurance Ltd regarding my building insurance policy, claim and incredibly bad customer service:

Because of a rare buildings insurance claim that derived from last summer's West London floods, in a building built in 1850 that has never flooded previously in historic records, because of a "1/30 year weather event" and the old Victorian sewers systems that Thames Water have not improved sufficiently; because the local council may not be clearing the gulleys often enough; because the local borough and the Government has given 'blank approval' to anyone who wants to build a basement under their existing property and pave over the front garden, reducing the natural' sink' in the earth that usually takes the rain and stores it there as it slowly filters to the water table rather than emptying into our basements; because local and Central Government have given 'blank approvals' to developers to build ever more tall buildings in London with thousands of new toilets and kitchens and basins that empty into the old Victorian sewer system without thought to building robust new sewer infrastructure first -

My property got flooded and now the Royal & Sun Alliance Insurance company has simply removed the risk to them of a future claim for damage and loss caused by any cause of flooding in the basement from the list of risks they have covered, has put up the premium, increased the costs I will have to bear in future claims, then demanded I have a Rebuild Cost Assessment of the whole property which has doubled the rebuild cost in the event the building suffered a calamity and had to be rebuilt, but ALSO then uplifted the cost to me of the Premium far beyond the doubling up I expected, meaning they must have uplifted the risk percentage with no explanation and with no one to discuss this with. They are opaque, defensive, and will take your hard earned money and do everything they can to not pay out.

1st june. Water tripped electric, into Alarm, through ceiling, flooded upstairs bathroom, airing cupboard, fault found to be leaking/ faulty fitting on tank, damaged tank insulation cauld not be replaced, had to have all new, RSA have refused to pay, 7 weeks before they attempted to dry out the property, on doing so they cut through mains water pipe floodedanother part of the house, independent surveyor found far more water damage than RSA walls, ceilings, floors, Entrance, Hall, Stairs, Landing, Bathroom, kitchen and dinning room ceilings and coving to be removed, replaced, decorated, replace Engineered hard wood floor, they started at £2k, raised to £4k, house has been left decimated, they want a site meeting in December to discuss STARTING, we have had to cancel xmas, and visitors in January. Gold premium policy, unlimited buildings and contents.

We had to employ a loss adjuster, as could not keep up with the misinformation. Made so many complaints, they just said, it will only come back to me any way !! This is a Big High Street Company underwritten by RSA.

Tip, employ a loss adjuster, write every call and email down, and look for alternative insurance.

Only gave 1 star as can't give 0.

This March our property suffered a burst pipe. The water damage was horrific. The ceiling in the bathroom, spare room, and living room collapsed. The floor in the only bathroom is unsafe and on the verge of collapse. We have no electricity. Every wall in the living room, bedroom and bathroom was saturated. All the furniture in those rooms was wrecked and had to be disposed of. It is very, very bad. When initially calling Royal Sun we were told not to touch anything, even to clear up, until a loss adjuster had assessed it. The house is entirely uninhabitable having no functioning bathroom and no safe electricity. We were told someone would be out within 48 hours. Three weeks, multiple phone calls, and call outs on social media later and as far as we've got is the endless repose of 'we'll try and get back to you next week.' Three weeks of the house being unusable and Royal Sun have not done a single thing. No one has been to look at it. No authorisation has been given to do any work. No timescale or plan on what happens next has been given. Nothing. This is entirely unacceptable. Yes we had somewhere we could temporarily stay in the meantime but this is coming to an end, is not even remotely in the local area, it's not a long term solution, we need to be back in our home for returning to work but at present it is an unsafe death trap and Royal Sun ignore us, telling us someone will call back, which they never do, someone will be out next week, which they never are. So we are facing imminent homelessness while this joke of a company stand by and do absolutely nothing.

RSA DIABOLICAL

RSA have ripped out my entire kitchen in error. I am left with a shell.

No hot water,

No sink,

No washing machine,

all done in error and now refusing to cover costs to put back.

They have offered me 6k to me for a whole entire kitchen to cover plumbing, labour, whole new kitchen, solid wooden floors, tiling, painting, worktops, sink. The whole lot on 6k really!!

Day 11 Still no kitchen, have asked how they have come up with 6k, no answers. They don’t know? Sending out settlement figures and they haven’t even checked to see if it covers kitchen they have ripped out in error. Words fail me.

An absolute disgrace.

I have 2 sons 1 with autism. Am washing up in bath!!!! Fobbed of on a daily basis that my claim is being delt with and can’t even give me a breakdown of the 6k. Am seeking legal advice.

SPUNK BREATH C*UNTS I HOPE ALL RSA STAFF GET THE SH*ITS INCLUDING THE DIRECTORS USELESS C*UNTS.

I was burgled over a year ago. I believed my insurance company was the best, as they are an old brand Royal Sun Alliance. To my amazement I never ever thought I’d ever have to use the insurance company but I have learnt the hard way I am over 50 so I actually believed my insurance company would do anything to help me if the occasion arises. they have had countless people that they have seen over the years, they know that receipt do not have Ink after a period of time. They know shops would have closed down again making it impossible to prove ownership of goods. They love older people because they know from the get go we are going to buy the most expensive cover for piece of mind. What does that mean?It means that you are free to go about your daily routine without worrying. It does not mean you will be looked after if something does wrong. loopholes are their game.

How can for example, out of ten people 8 of them will quote “insurance companies expect to be paid but never pay out “ and they get away with it. If I followed the Same business ethics how long would I get away it? that tells me you need the right people on board and as long as they get the financial return they will turn a blind eye.

I can’t tell you how heart broken this experience has left me but even more disappointed, that I really considered talking my own life because of the way I had been treat by RSA, at such a low point in my life. Thanks to the police who found the men. My children, family and friends had to work so hard to get me through this. I guess that I am lucky. How many people are not so lucky?

I don’t even want to wish you guys a good morning because of the horrendous service you’re providing. So you fools, you had 2 idiots come out to my property, Mr dumb and his side kick Mr dumber, to check a drain/pipe. They were at the property for approximately 2 minutes, such a long time they were there, they must be getting paid good! Anyway, they seen the problem and told me they will write a report and another engineer will come out and fix it. Ha, I’m a fool for believing the 2 bellends, I’ve been trying to get hold of you guys since Monday and it turns out you idiots haven’t even updated the number on the policy documents, how unprofessional. I was waiting for 1 hour and 30 minutes on the line and no answer, finally today someone put me through to the right team, only for me to find out the claim has been logged in as completed, when your drainage guys did naff all but stand there and look at the problem. What an awful company, hope them 2 engineers tip their van over into a drainage system! FOOLS!