photoGuard Bewertungen 

569
TrustScore 3.5 von 5

3.6

Wir überprüfen keine spezifischen Behauptungen, da die Meinungen der Bewerter ihre eigenen sind. Wir können Bewertungen jedoch als „verifiziert” kennzeichnen, wenn wir bestätigen können, dass eine geschäftliche Interaktion stattgefunden hat. Mehr erfahren

Um die Integrität unseres Portals zu schützen, überprüft unsere automatisierte Software alle Bewertungen – unabhängig davon, ob sie verifiziert sind oder nicht – rund um die Uhr. Diese Technologie identifiziert und entfernt Inhalte, die gegen unsere Richtlinien verstoßen, wie zum Beispiel Bewertungen, die nicht auf einer wirklichen Erfahrungen basieren. Uns ist bewusst, dass wir möglicherweise nicht alles erfassen, doch Sie können uns jederzeit problematische Inhalte melden, die wir Ihrer Meinung nach übersehen haben. Mehr erfahren

Das sagen Bewerter

Bewertet mit 1 von 5 Sternen

This company has taken payment from my account for a renewal policy but I have not received any renewal emails or contact from them. My emailed query remains unanswered and an automated machine messa... Mehr ansehen

Bewertet mit 5 von 5 Sternen

The wife slipped and her Canon R7 ended up in a rock pool, not for very long but long enough. Once we had the quote as unrepairable , Sharon arranged for a replacement to be delivered in just over 48... Mehr ansehen

Unternehmen hat geantwortet

Bewertet mit 5 von 5 Sternen

Photoguard/Guardclaims these guys have been absolutely amazing , Jamie & team was my last hope must say and they have not let me down. After authority closed the case in two days by saying we couldn’... Mehr ansehen

Bewertet mit 5 von 5 Sternen

I am a keen amateur photographer and I love my photography equipment, so when I had an accident and my camera and lens went flying I was understandably gutted. Luckily the lens seemed fine but the cam... Mehr ansehen

Unternehmensdetails

  1. Versicherungsmakler

Informationen, die aus verschiedenen externen Quellen stammen

Providing insurance for the UK's photographers for over 20 years


Kontaktinformationen

3.6

Akzeptabel

TrustScore 3.5 von 5

569 Bewertungen

5 Sterne
4 Sterne
3 Sterne
2 Sterne
1 Stern

Bittet Kunden um Bewertungen

Das Unternehmen lädt seine Kunden ein, Bewertungen zu hinterlassen – ob positive oder negative.

Hat 75 % seiner negativen Bewertungen beantwortet

Antwortet meist innerhalb von 48 Std.

So nutzt dieses Unternehmen Trustpilot

Erfahren Sie, woher die Bewertungen stammen und wie sie ausgewertet und moderiert werden.

3.6

Alle Bewertungen

(569)

10 Bewertungen in den letzten 12 Monaten

Bewertung abgeben
Unternehmen auf Trustpilot dürfen keine finanziellen oder anderweitigen Anreize oder Gegenleistungen für das Verbergen von Bewertungen anbieten. Bewertungen spiegeln die Meinung einzelner Nutzer wider und nicht die von Trustpilot. Mehr erfahren

Bewertet mit 1 von 5 Sternen

Payout refused on genuine claim

They refused a payout on a genuine claim.

An unspecificed item was under the limit. I proved purchased and ownership but the claim was refused and not honoured. I was told my paperwork was in order but claim refused as the item was newer than the policy.
This is a shocking and unenforceable clause that seems to have been added after I signed up, if it was ever there.
The practise is ethically dubious at best. I didn't challnge it fearing I would find a black mark against my name on their internal Insurers databases, and have future policies refused.

EDIT: They're now asking Truspilot to get me to release more personal detail so they can use it as an excuse to take my negative review offline. Be aware, companies are now actively managing their reputation and harassing journalists who are making reviews in good faith. I fully expect them to ask for this negative review to be taken down because it's not 5* and shows them for turning down insured claims for bogus reasons.

2nd EDIT: They replied and you can see what they used to refuse a claim on UNSPECIFIED ITEMS which they they decided was SPECIFIED.
It's a contradictory clause they clearly use to knock back any claim they don't like the look of. Bad faith.

3rd Edit: they're now telling LIES about an item I have full OWNERSHIP of before, during, and after the claim.
Photoguard actively make false accusations against a claimant in public with no supporting evidence. I would suggest NO ONE uses their service as they make defamatory statements against negative reviewers making truthful reviews.

Forty people now have read this, which is lost revenue into thousands of pounds for them.

Would you buy insurance from a company who attacks a Chartered journalist making an honest claim in good faith?

DO NOT USE PHOTOGUARD

18. September 2022
Bewertung ohne vorherige Einladung
photoGuard-Logo

Antwort von photoGuard

Thanks for your taking the time to leave a review.

In your specific case you have taken out a policy for a set amount of photography equipment and have been charged a premium in relation to that.

You have subsequently purchased an item (lens), after taking out the policy, and have not updated your cover to include this item as part of your policy as would be normal practice through an MTA (mid term adjustment) as many of our customers do when buying additional equipment or having sold part of their equipment that was part of their original policy cover.

We would encourage you to challenge the claim if you believe it to have been unfairly declined. We do not operate an internal insurers database that a "black mark" could be added to in order to refuse cover so do not let this stop you from progressing any action.

The financial ombudsmen details will have been provided to you by the claims team but you can find full details of how to make a complaint, or reach out to the ombudsmen here:

https://www.photoguard.co.uk/complaints

The photoGuard Team

With regards to your first edit - The reason for asking for additional information in a TP review is to make sure that we are talking to the correct customer and have the full details of the situation. As you will see from our reviews, we very much don't push to remove valid reviews, otherwise we would be 5* rated, but instead work with customers to understand the challenge and, if valid, work to rectify.

With regards to your second edit - as you didn't own the item you are looking to make a claim for when you took out the policy to cover your equipment the lens in question was therefore not included in your policy cover when you purchased the policy. This position has not changed as you never updated your cover to include this item, paying the additional premium for the additional cover required. It is not an accessory or an unspecified item.

Bewertet mit 5 von 5 Sternen

Very polite and identified my…

Very polite and identified my requirements with ease and then covered the way the insurance works without being too stressful over the matter. The fact I changed the insurance a few days later didnt seem top bother them as long as I had the cover I required going forward. A+++++

6. Februar 2023
Bewertet mit 5 von 5 Sternen

Would definitely use them again!

I found them a very easy company to deal with. I was having a lens on trial from Fujifilm and needed to have quick cover. The process was fast, easy and painless and the rates were great. Couldn't better the products or customer service. Would certainly use them again!

19. Januar 2023
Bewertet mit 3 von 5 Sternen

Took six days to complete the claim

Took six days to complete the claim. I was asked repeatedly on separate days about the circumstances of the claim. I'd immediately reply to an email and then have to wait 24 hours before I got a reply.

3. Januar 2023
Bewertung ohne vorherige Einladung
photoGuard-Logo

Antwort von photoGuard

Hi Roger

We are sorry to hear that you are unhappy that it has taken 6 days to settle your claim.

Looking at the details on file it appears you started the process on the 2nd January and it was paid out on the 9th January.

The intervening time included ratification of the location of the incident, to place you there, and ownership of the item plus three days for Wex to provide the quote for a replacement lens.

Your feedback has been passed through to the claims team.

We are glad that your claim has been settled and hope that you are happy with the outcome.

Thanks

The photoGuard Team

So funktioniert Trustpilot

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