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ch3tman
Hockenheim


Joined: 08 Dec 2012
Posts: 730
Location: South Bucks

1995 Porsche 911

PostPosted: Wed Jul 03, 2019 9:14 am    Post subject: AIB/Hiscox High Net Worth Policy no-no. Anyone tried DUAL..? Reply with quote

Been covered, via AIB, with Hiscox's 'High Net Worth Policy' for around 4 years, which crucially offers:
    ● Agreed value
    ● Choice of repairer
Premium has disappointingly crept over by around £120 over a 4 year period to the £655 mark, despite no change on the policy.

This year, the renewal is £1100 Floor.

AIB advise the minimum premium for any Hiscox 'High Net Worth Policy' is now set to £1100. For all customers. Is that true? what That's one way to reduce your customer base bye.

AIB are instead advising to use DUAL Private Client, who offer the two bulleted points above, and generally match the reputed Hiscox offering.

https://www.dualprivateclient.com/

Never heard of them... Anyone have relevant feedback to share?
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Last edited by ch3tman on Wed Jul 03, 2019 12:13 pm; edited 1 time in total
 
  
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wilpert
Albert Park


Joined: 06 Jun 2010
Posts: 1685
Location: London

2016 Porsche Boxster 987

PostPosted: Wed Jul 03, 2019 9:21 am    Post subject: Reply with quote

Our company do works for Hiscox as an approved building contrator.
not sure how they are with motor claims but I can tell you, when it comes to home claims, they are really good.
We also deal with others and by comarison Hiscox are the best.
They look after their customers well and their expectations of the contrators are high, everything is well managed and we have to adhere to strict SLA's.
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ch3tman
Hockenheim


Joined: 08 Dec 2012
Posts: 730
Location: South Bucks

1995 Porsche 911

PostPosted: Wed Jul 03, 2019 9:38 am    Post subject: Reply with quote

Thanks... yes - it is on the strength of their reputation and customer feedback I stayed with them for so many years. However a 100% increase is not acceptable.

Be interesting to see if we have any 911uk members on the 'DUAL Private Client' policy?
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116618LN
Trainee


Joined: 30 Apr 2017
Posts: 99
Location: London/Dubai


PostPosted: Wed Jul 03, 2019 10:23 am    Post subject: Reply with quote

Im with Dual, all cars and also home cover.

Very good policy, I had a theft claim 6 years ago, agreed value and covered the belongings inside the car. Claim was painless. They also gave me a nice shiny Aston Martin for the month...

Also if you wish, it covers anyone to drive your car with your permission, even if they are not insured on another vehicle. Also covers me to drive any vehicle fully comprehensive.

Its a bit expensive compared to the retail market, but worth the benefits, client manager is great, easy to change cars, plates etc... all done by email or phone.
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ch3tman
Hockenheim


Joined: 08 Dec 2012
Posts: 730
Location: South Bucks

1995 Porsche 911

PostPosted: Wed Jul 03, 2019 12:26 pm    Post subject: Reply with quote

116618LN - thanks very much for the info! thumbsup Great to hear that in unfortunate case of making a claim it was as painless as possible. That's the real test of any insurer's credentials...

The perks you mention mirror that of Hiscox's well regarded policy (although its the 2 bulleted ones above that really appeal to me), and AIB earlier did inform me the policy wording and terms are practically the same across both Hiscox and Dual. Sounds promising. Thanks again.

Anyone else have experience with Dual?
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Axlesnap
Silverstone


Joined: 08 May 2016
Posts: 118
Location: Kent/ Sussex


PostPosted: Wed Jul 03, 2019 1:25 pm    Post subject: Reply with quote

DUAL are an MGA and not the actual insurer, they are part of the Hyperion Insurance Group. With Hiscox you’re dealing directly with the insurer. Doesn’t necessarily make DUAL a lesser option but worth checking who the actual insurer is that sits behind their policy. They state A- rated paper but couldn’t see a name. Hiscox have the higher rated paper (A+).

Hiscox have a very good track record for service in high net worth personal insurance and that is useful when it comes to dealing with a claim. I don’t have direct experience of either for this product line but I’ve worked with both in a business capacity and found Hiscox to be a highly professional outfit. Experience with DUAL has been variable as it depends on the specific business as each unit/ personnel.

If the cover is comparable then the pricing difference is a challenge; however in the event of a claim, Hiscox service maybe better based on general industry perception.
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arry
Hockenheim


Joined: 02 May 2015
Posts: 744
Location: South Essex


PostPosted: Wed Jul 03, 2019 6:02 pm    Post subject: Reply with quote

Axlesnap wrote:
DUAL are an MGA and not the actual insurer, they are part of the Hyperion Insurance Group. With Hiscox you’re dealing directly with the insurer. Doesn’t necessarily make DUAL a lesser option but worth checking who the actual insurer is that sits behind their policy. They state A- rated paper but couldn’t see a name. Hiscox have the higher rated paper (A+).


This

It's XL Catlin paper. About as secure as it could be, really.
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G2
Barcelona


Joined: 26 Oct 2015
Posts: 1444



PostPosted: Wed Jul 03, 2019 7:52 pm    Post subject: Reply with quote

I have the dual after having hiscox, appears standard form for AIB to offer it when pushed on price for the hiscox renewal. Policy looks comparable. Will have to change broker this year as we all know that insurance ratchets up if you stay loyal despite no claimed or change of circumstance.

AIB were fine to deal with but insurance is only differentiated on price or when you make a claim. Sorry no experience of claims on either..
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v8fettler
Silverstone


Joined: 30 Apr 2016
Posts: 103



PostPosted: Tue Jul 23, 2019 9:40 am    Post subject: Reply with quote

I had Hiscox when I made a claim. Painless, so painless I had to call them to see if it was all finalised etc. They even paid for the recently applied ceramic coating to be re-done!

I, like others, had an increase on renewal, so switched to Classicline.
Im looking now, and I can get admiral much cheaper, but I don't think they do fixed value.

It's not worth the £200 difference for them to pull my pants down with 'Market Value/Webuyandbagofcrap.com'.

Any other Fixed Value insurers I've missed??
 
  
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116618LN
Trainee


Joined: 30 Apr 2017
Posts: 99
Location: London/Dubai


PostPosted: Wed Jul 24, 2019 10:34 am    Post subject: Reply with quote

Since posting my good comment regarding DUAL, I now have to retract it..

Some idiot drove their car in to one of mine, Dual has a claims company they use called connexus who dealt with it.

The accident was non fault, and they tried to short change me by not authorising a proper repair because of the possibility it would be written off, they didn't want the car written off because they had me in car hire which they were billing £1000 a day for. I later discovered that the director of the claim firm was also a director of the hire company... complete scam, trying to profiteer from my misfortune and give me a car back with filler all over it.

I have since dropped them and just claimed direct where a proper repair is being authorised. I am now going to move insurers.
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G2
Barcelona


Joined: 26 Oct 2015
Posts: 1444



PostPosted: Wed Jul 24, 2019 11:15 am    Post subject: Reply with quote

Thanks for coming back on to update. Sorry to hear it.

My dual renewal is due in a couple of weeks so will be interesting to see if anything is mentioned. Already shopping around just in case.
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