Ukinsurancelimited Avis 

Very disappointed with my experience and I have reported to the FOS .

I recently discovered that a hard credit search had been recorded on my credit file without any prior notice or warning. Had I been informed that a hard search was going to be carried out, I would have expected to be given the opportunity to understand why and what the implications might be.

What makes this even more concerning is that I have not held a policy with, or used the services of, this company for over five years. As a result, I was extremely surprised to find a hard search recorded against my credit file.

I am now having to spend time raising complaints, requesting information, and seeking clarification as to why this search was carried out and under what authority.

I would encourage others to regularly check their credit reports with Experian, Equifax, and TransUnion to ensure there are no unexpected entries on their files.

In my view, customers should be clearly informed before any hard credit search is undertaken. Transparency and communication in this regard have been very disappointing.

So Green Flag are spamming me with marketing material because, as they say, UK Insurance Limited has sold my address to them and I requested marketing spam. I never request spam. I always opt out of marketing. What's more concerning is that I've not even heard of UK Insurance Limited until today but they have my address, insist I opted in to marketing, and have been selling my personal information to Green Flag and god knows who else. It's creepy and deceptive. Google says this company were recently fined £10.6 million pound for oversights in their financial reporting, which includes a 50% reduction for being cooperative. So I'm not surprised to discover a company like this selling my email against my knowledge and without my permission. I can only presume they need to raise some money to pay the fines.

Since my accident in October 2025, U K Insurance Limited (Churchill/Direct Line Group/Aviva) has subjected me to a systematic campaign of negligence, sabotage, and administrative obstruction. Below is a detailed summary of their failures to date:

1. ​Wrongful Accusation of Fault: Baselessly accused me of being at fault for the incident, despite dashcam footage proving my innocence and the third party already admitting full liability in writing.

2. ​Lethal Safety Failures: Twice returned my vehicle in a "massively unsafe" condition. The vehicle had a misaligned subframe, causing it to pull violently to the left—a life-threatening defect they failed to identify or rectify before signing it off as "roadworthy."

3. ​Mechanical Sabotage (Criminal Damage): In an act of shocking incompetence, repairers used an angle grinder to cut chunks out of my Catloc (catalytic converter lock) to save time, rather than following manufacturer procedures.

4. ​Incompetent Diagnostics & Refusal to Repair: Failed to identify damage to the catalytic converter and the air conditioning system. Despite providing evidence that the aircon was fully functional days prior to the accident, the insurer has steadfastly refused to repair the unit, leaving the vehicle incomplete.

5. ​Forced Independent Inspection: After the insurer failed twice to fix the car, I was forced to make all arrangements for an independent inspection by a Toyota Main Dealer. This placed an immense amount of stress and pressure on me, effectively forcing me to do the insurer's job for them while they obstructed the process.

6. ​Professional Obstruction: Actively interfered with the Toyota inspection, attempting to dictate the scope of their work and instructing them to perform unnecessary, costly procedures to avoid addressing the core subframe failure.

7. ​Ignoring Expert Evidence: Summarily ignored the technical findings of the Toyota report which confirmed the vehicle was unroadworthy and the insurer's "repairs" were dangerous and improper.

8. ​The "Courtesy Car" Shakedown: Refused to provide a courtesy car for months, and attempted to charge me £100 for a windscreen chip on a loan vehicle months after the event had occurred.

9. ​Financial Hardship & Doubled Fuel Costs: By withholding my hybrid vehicle for 6 months, they have doubled my fuel costs. I have been forced to drive an inefficient petrol vehicle, incurring hundreds of pounds in avoidable expenses during a cost-of-living crisis.

10. ​Unauthorized Wear & Tear: Due to their refusal to provide a courtesy car for months, I was forced to put unnecessary wear and tear on my partner's car, depreciating its value and increasing maintenance costs through no fault of our own.

11. ​"Death by Admin": Forced me into a "war of attrition" involving over 250 emails and countless hours of my own time seeking accountability that never came.

12. ​Statutory Data Breach (GDPR): Illegally ignored a Subject Access Request (SAR). When challenged, they provided a "Sham Disclosure" containing irrelevant old data from an unrelated policy to conceal current safety reports.

13. ​Timeline Manipulation: Attempted to retroactively "reset" legal statutory clocks to cover their own administrative failures, claiming their own written acknowledgments of my request date were "typing errors."

14. ​Unlawful Barriers to Access: Imposed an arbitrary 10 business day window for ID submission—an unethical and illegal attempt to close the door on my data rights.

15. ​Breach of FCA Consumer Duty: Failed in their legal duty to "act in good faith" or "avoid foreseeable harm," knowingly allowing me to suffer significant financial, emotional, and physical risk.

16. ​Failure to Support Vulnerability: Ignored formal notifications of financial hardship and emotional distress, failing to trigger mandatory "Vulnerable Customer" protocols required by the FCA for customers in crisis.

17. ​Data Integrity Concerns: I believe the insurer is knowingly withholding data, and I suspect this is a tactical delay intended to "cleanse" or alter internal notes before disclosure. This remains yet to be confirmed as my DSAR is still outstanding.

​18. The "Wall of Silence": Despite escalating to the highest levels, including Amanda Blanc DBE (CEO of Aviva), I have been met with a total refusal to take accountability for the distress or financial impact caused.

19. ​Multiple Regulatory Investigations: My case is currently under formal investigation by the ICO, FOS, DVSA, and the FCA, with my local MP now formally intervened.

​Status: Over 6 months later, they still have my car, they still have my data, and they continue to treat UK Law as optional.
​!!Avoid this group at all costs!!

Claimed £4200 for the cost of a holiday ruined by COVID and Influenza. UK Insurance only payed half. I made a claim in court for the balance. UKI tried every trick in the book to avoid the claim being heard. UKI spent £6500 on solicitors fees to avoid paying me the £2100. Never ever take out insurance with this devious company.

UK Insurance cancelled my Mortgage Protection policy I've had for over 30 years on the grounds they do not sell the product anymore and just a few years after rebranding it from Nat West. When I rang and spoke to them they said I had to keep paying their premiums and look for an alternative. Absolutely appalling the way they have treated customers and no support has been offered to find any alternatives and no explanation as to why the product is being withdrawn. AVOID THIS COMPANY FOR ANY INSURANCE PRODUCTS AS THEY DONT CARE ABOUT IMPACT THEY HAVE ON CUSTOMERS AND THEIR CUSTOMER SERVICE IS SxxT. Happy to take your money but not interested when they stop selling a product.

UKI handled my two past travel insurance claims so well that I'm sad to learn from my bank (Nationwide, who provided travel cover as part of my account with them) have decided to switch underwriters. UK Insurance Limited were incredibly efficient when I had to claim; with friendly call centre staff and a simple claims process. Very easy and good value age and medical upgrades too. UKI even took the trouble to write to me today, now that their cover has ceased, to remind me to inform the new insurer of my medical condition to ensure continuity of cover. Well done!

I have Green Flag road side assistance which is backed by UK INSURANCE LTD
You can read my review of Green Flag at Trust Pilot, When I tried to make a claim UK Insurance Ltd sent over 180 pages of info to the Ombudsman against my 6 pages. The will do anything to get out of paying. Do not buy Green Flag breakdown or anything backed by UK Insurance Ltd. They have tried every trick in the book to avoid a claim.
BEWARE!!!!