Intelligent Insurance Reviews 

I have been with Direct Line for over a decade because finding any other companies that will insure a property with a flat roof is so hard; their renewal price was, frankly, obscene. Tired of using screen-scrapers and filling in endless forms only to be told after I had spent hours doing that that none of the companies registered with the site would insure Victorian flat roof properties, I asked AI if there actually were any other insurance companies that would insure my property; from the results given by AI, I found Intelligent Insurance.
What a breath of fresh air! The form was easy...I wasn't kicked off for my flat being in a Victorian-era flat roof tenement...and I was given a number of insurance policy options over a range of prices. I then engaged with an Intelligent Insurance associate via a chat box in order to ask some questions about the top two results of my search. I was passed over to Jack (who works in Sales), who talked me through the various exclusions, requirements and excess payments and exclusions and other fine print and then gave me time to do some research on the underwriters for the two different policies. I was amazed - I have never encouraged to take time to look look deeper into the underwriters and the policies before; in my experience, the big name companies just want to seal the deal but I honestly felt that Jack wanted me to make the right choice for me and no other reason. It was probably five hours between first finding Intelligent Insurance and making a decision to take a policy through them. It was the best customer service I have ever had from any insurer - although, of course, I am fully aware that the real test will come if I have to make a claim. But I don't feel anxious about that - I genuinely feel that they will do their best for me, as the customer.
I will come back and edit this review if my experience is anything other than positive with them in the future.

Friendly chap. Really did his bit to bring the policy price down, and did. Saved me over£350 from previous insurer. Well worth a call.

Want to make a claim. I spent all of yesterday trying to get through to the claims dept. Same problem again today. Someone on the general contact number said that they would get someone to call me back as soon as they became available. Very stressful and now wondering if they are a credible company.

Easy to understand British I'm paying les this year than last year ,service is great I'm on a winner, thank you so much x

Absolute top class guy helped me purchase my insurance so knowledgeable so helpful so efficient. X

I received emails on 19/7 and 20/7 saying you had collected payment for my home insurance and contents, but I have checked my bank account and payment has not been made, also when I go to MY ACCOUNT in Intelligent Insurance online it states ai have no insurance fir 2026-2027. I am very worried.please reassure me.

Amazingly helpful! Polite and informative as well as efficient. A pleasure going though what I was finding a very tricky process with other providers. Couldn’t ask for more

Very Disappointing ExperienceI recently purchased a home insurance policy from Intelligent Insurance and carefully reviewed the highlighted terms, including what appeared to be the standard 14-day cooling-off period and cancellation provisions. At no point was it made clear that I would be required to pay a £50 fee simply to cancel the policy.Within just one hour of taking out the policy, I requested cancellation because I was unhappy with some of the endorsements included in the cover. The policy had not even started yet, as the start date was still a week away. Despite this, I was informed that I would need to pay £50 to cancel.I find it extremely unfair to be charged such a fee when the policy had not commenced and my cancellation request was made almost immediately after purchase. This is not what most customers would reasonably expect from a cooling-off period.To make matters worse, there appears to be no effective way to speak with anyone directly. Calls were not being answered, and communication could only take place via email. There was also no clear route to escalate my concerns to a manager or complaints handler, which only added to my frustration.As a customer, this experience has left me feeling very disappointed and let down. The lack of transparency regarding cancellation charges, combined with poor accessibility and customer service, has been extremely frustrating.I would urge anyone considering this company to read every term and condition very carefully and ensure they fully understand any cancellation fees before purchasing a policy.

I was looking for buildings and contents insurance for a coach house. Jack was extremely helpful and patient. He was able to answer all my queries and I feel assured I have obtained the right insurance at a competitive price. Very pleased with the service thus far and being able to speak with Jack who was very clear and concise.

As a new customer I was very impressed by the knowledge of the staff, the excellent customer service and the fact that there were no Bots or automated systems. I spoke with a real person after a very short wait. I spoke with Jack about my policy he quickly resolved a couple of minor issues and I’m now a confirmed customer

Nice, simple process and competitive price.

The renewal process was very straightforward. The renewal quote remained competitive for the cover offered so we opted for auto renewal.

Simple questions and a reasonable and sensible quote for insurance on a bespoke basis. Well done

Clearly laid out website. Great prices and actually a reduction from last years premium. There's nothing more annoying than never claiming and finding your new premium has increased. Certainly one of the best value home and contents insurers out there. Good communication with detailed policy documentation.

I placed a home insurance yesterday morning and within minutes realised that it didn't cover flood risk. I got in touch and was offered a policy with flood cover for almost twice the price. I asked them to cancel the policy as it was much more than our current insurers. Their quote stated that if the policy was cancelled within 14 days there would be no cancelation charge. An email confirmed cancelation and said they would take £50 from the refund for " setting up charges". This is scamming people, how can you say a refund in full and then take £50 from a customer who cancelled in minutes and what setting up charges could possibly been incurred ? Whatever is in the small print you must read it as they say it is in the quote that they will take money even within the 14 days. I thought legally anything bought not in person and online could be cancelled in 14 days without penalty. Really disappointed as we are pensioners in our 80's and can ill afford to throw away £50 in minutes for nothing. I have now received an email from Intelligent Insurance who have refunded the £50 as a gesture of goodwill , I am very pleased and will give them chance to quote in future. Well done Intelligent Insurance.

very good woman was really knowledgeable and kind

Competitive price, very keen to get my business I received a few follow-up calls from Sam who I asked to call me back at a later date which he did, he tailored the quote further to save a few extra pounds.

Insurance is a necessary evil and you don’t really find out how good or bad it is until you have claim. Hopefully I won’t find out but it was a very pleasant suprise to be quoted (a little) below last year’s premium for a change👍