Equityredstar 

Shocking excuse of a company for insurance
Took out taxi insurance and what a mistake it was. Had an accident 8 weeks ago through no fault of my own as I was hit by a drunk driver with no insurance...8 weeks later I find out my car will be fixed but some of it not due to wear and tear issues. My car sounded normal now sounds like a tank due to impact but because it had a welded exhaust they won’t fix it! This noise has only come since accident happened.
Just to top it off I was offered £100 as a sorry gesture for the slow delay of having my car fixed which for the records still isn’t fixed 8 weeks later!
Waiting to see if they will fix my exhaust and change the silly offer of £100!
Also found out that if your hit by either a drunk driver or someone with no insurance you no longer deserve a like for like replacement
Will think harder next time about taking insurance out 👍🏻

Worse customer service I have ever come across. Took 9 months to settle a claim and only them because I placed an official complaint in and advised I would be contacting the Insurance Ombudsman . DO NOT USE. Horrific experience, this company caused me so
much stress and worry.

I am currently going through a claim with them. They are my underwriters from One Insurance Solutions. I have supplied them with photos and dashcam footage all taken by me. Their initial response was the 3rd party is clearly at fault. However because a personal injury claim has been submitted against me by the third party. They seem to have completely changed their opinion and have said they are going to admit liability. Fortunately I have instructed my own personal injury solicitor who has agreed to take on my case on a no win no fee basis. I have made complaints about their conduct which has been referred to Lyons. I wait with baited breath. Given all of the reviews on this website I am now seriously considering just reporting them to the Financial Conduct Authority regardless. I will also be on the phone to my insurance broker in the morning advising them to check the reviews on ERS.
ERS do not appear to listen to their clients at all and are not prepared to fight for them.
Please avoid at all cost's

I was blatantly lied to and unnecessarily called several times a day regarding the same thing for weeks, this company threatened me and I was trying my best to help. It seems ridiculous in a review, but this company almost gave me a nervous break down, I have never been so bullied in my life. Avoid at all costs, this isn’t an insurance company, it is a scam.

Will do everything to avoid paying you for a being crashed into. If I could give less than 1 star I would. Hard to get hold of and unhelpful when you do. Not a good company

Worst ever insurance company in the world. Staff have no idea or clue what they are doing or saying. They just make up stories and take months for claims to be settled.
They out to rob the public and make money and don't care about customers.

Terrible company with terrible customer service and i now have another insurance company chasing me for money that ERS should have paid them nearly a year ago.

Please be wary, conmen to say the very least, policy is not worth the paper its written on, company policy conflicts with your actual insurance policy, if no joy with them tomorrow, will be speaking to any no win no fee solicitor interested and hopefully open a can of worms for other miss sold policy holders

These cowboys are shocking. Avoid at all costs or you will regret it.

On the 12th September 2017, a car, a black VW Passat, drove off a car dealer's forecourt straight into the front of my car. It was a slow speed one as I managed to brake hard. The other car was driven away without stopping and I could not get the registration number. The car dealer was selling the car on behalf of the owner who had decided to take it back without paying advertising and sales fees. He gave me the owner's phone number. The owner/driver denied everything and refused to come back to the scene. 2 hours later after contact with the police, the owner turned up at the scene in a black BMW and said there was no accident saying show him the damage to his car. Yes this really happened.
Despite the car dealer, myself, an independent garage mechanic and my Dashcam footage, he maintained it was not him or his car. He did give his name and address after some 'persuasion'. He refused to say who his insurer was even though the police confirmed he was insured.
So I contact my broker who passed it on to ERS. Absolutely hopeless even though I sent them the dashcam footage with witness details. I had to get involved with the repair garage and ERS to get the invoice paid. A very protracted dispute arose between the 2 insurance companies, his was Privilege/UK Insurance, and ERS took UK Insurance to court and judgement awarded in our favour. UK refused to pay so sheriffs were involved - July 2018.
I was never kept updated or informed at any stage and getting info was a joke as I had to relay the story every time. Eventually after nearly a year I made a formal complaint against ERS who apologised and refunded my £250 excess plus £150 compensation. So that is the end of the matter?
No.
It is April 2020 and I am arranging insurance for my car. I am told by one company that the claim was still outstanding! Despite his insurer paying out and accepting liability it seems the claim cannot be closed as the driver disputes it. So I have contacted ERS and have received the usual response. Nothing.
This level of service is worse than the bad old days of the 1990s when MFI were kings of customer dissatisfaction.

Words simply cannot explain or describe the depth of horrific experience that I've had with thus 'company'. I ended up paying for an accident that I did not commit, even after begging them to have an engineer inspection done and I was advised that everything is OK that is not necessary. I ended up trying to figure things out on my own because after contacting their office one of their employee thought he hung up the phone but he didn't and so I was listening in on the conversation they were having afterwards. You do not want me to go in details about the things I heard about myself! no one should hear that. They said they just wasted their life talking to me a long with some unspeakable things. To add to this when I made a complaint an offer of £150 or so was offer I reckon to keep quiet but they could not do anything to resolve the pending matter. Someone made a fictitious claim against me with zero evidence and could even change his statement to benefit him and later on hit the jackpot. I did not even know that they made payments until I was renewing my insurance with a different company and was told about my no claim bonus. This is the first time I am writing a negative review about anything online because I believe in 'if you do not have anything good to say then don't say anything'. However, this is not a review, it is a WARNING to stay far from this company, I would not want my worst enemy to endure the heights of daily anxiety that I experienced with this company.

I have a minibus insured with ERS I had the misfortune to have had a tyre blow out last year fully loaded with elderly people on the M5, my insurance package includes onward travel they were unable to find anyone to collect my passengers they were on the hard shoulder for over an hour and a quarter and then I managed to arrange a coach to take them to their destination.. I was told a tyre would not be changed on the hard shoulder and that I had to wait for a flat bed truck to recover my vehicle. Highways Agency spoke to them and told them it was nearside wheel I had a spare a speed limit of 40 had been set by matrix signs and they were prepared to close lane one. But no I had to wait 2.5 hours when a guy turned up in a van I asked him where the lorry was, he said you have a nearside tyre need replacing and you have a spare I can do it here. After all the waiting. Then this weekend had a cracked windscreen and was told the replacement glass companies don't work weekends. What is the point of paying for these additional services when in the time of need they are not available.

My vehicle was involved in an RTA on 03 February. Although it is a fault claim and an usual one at that, they have dash cam footage of this incident, they are still dragging there heels over this. I’ve
been waiting for this insurance company for over 4 weeks now for there engineers to allow my garage to commence repairs. After many phone calls to them, as of yet, I still don’t know when they will allow my garage to proceed. If your thinking of insuring your vehicle with them, I’d give them a wide berth.

A bunch of crooks i had 2019 transporter bmt all electric every factory fitted extra from vw these crooks offered £24000 it only had 15000 miles on clock they told me extras dont increase the value a bunch of tossers feb 2020 avoid them at all costs

Sold my motorhome and called my broker to cancel insurance which was underwritten by ERS. 9 months left on the policy and total refusal to refund the balance. Absolutely disgraceful. People buy and sell vehicles all the time and if insured with ERS no one will ever get the time/money outstanding on the policy refunded to them! This can't be right. Don't use this shower!

4 months after one of their drivers hit me, I am still waiting for my car to be returned. They are refusing to give me a courtesy car, refusing to accept that the damage to my vehicle is accident related. The claims handling company they use are beyond a joke and try everything to get out of paying out. Total joke, don't even bother.

Corrupt and does NOT have your interests in mind at all.. avoid at all costs... I’ve had a horrific experience with them trying to take advantage of me, and outright lying to me over the phone...

I was involved in an accident over 4 months ago and it's still not resolved. Poor communication and very poor customer service. My husband had to call them continuously to try and sort out a pay out as my car was classed as a write off. Luckily I have family who loaned me some money to buy a new car. It took nearly 6 weeks as they tried to offer amounts that were well below what my car was worth. I think is absolutely shocking that they play on customers desperation so they can make a quick buck. What was even more shocking was that there was only one woman who was in charge of organising payouts and she only worked 2 and a half days a week and works hours with no flexibility. My husband had to constantly be on her case to get an answer and find out who was liable for the accident. Even now, at my renewal I found out that my claim is still outstanding due to the 3rd party claiming personal injury. They made out that this will affect trying to renew with another insurer. Adrian flux the broker who recommended this insurance weren't any help either and all they did was blame each other for their poor service. Please avoid this insurer if you can!

Cheap for a reason 30 days and my claim has gone from total loss to repair to no response. Car has had 3 engineer inspections no foul play but still they continue to try and wriggle out of the claim.

Small engine fire extinguised by myself in a car I have owned for less than 6 months and they are trying to prove neglect because the MOT mentions a minor oil leak.

Complaints department hopeless they never get back to you.

Now with Lloyd's and the ombudsman.

This is my 1st Claim in 18 years and I have to say the impact and stress it has introduced I to my life especially dealing with the rude call handlers and the hopeless out of hours team means I hope I never have to deal with them again.

Have paid best part of £10k in premiums over last 5 years and all seemed fine until we made what seemed a fairly straightforward claim 2 months ago for a (no-fault) rear-end shunt. I asked my car to be sent to an approved Land Rover garage but they insisted on using their own. The first attempt by their (no doubt cheaper) garage was shockingly bad, ruined the back end of our car with shoddy orange peel paintwork and some weird “only we know how to do it” treatment process that removed the uniform black colour and surface texture from our bumper. We rejected it on the spot and repeated we wanted it to go to a decent garage - but to no avail. Second attempt was better but still not right. They then called out an independent specialist who totally agreed with us (although he was more critical). ERS then indicated they would relent and send car to a LR approved garage then changed their minds and said they were going to give us cash to sort it out. They did have one underwriting lady who was consistently helpful and sympathetic throughout this ordeal (no other words for it) but ultimately all to no avail if they can’t fix your car properly. I went to them on the understanding they are a “specialist” insurer. They are nothing of the sort.