Linzi was most helpful in processing my claim. The car was still under purchase warranty from a second hand dealer. The wiper sensor was not working and Spectrum agreed to a higher labour rate at the... See more
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
Emily was great at sorting things out and constantly kept me updated. I am pleased with the service from Spectrum, although was disappointed that they could not arrange a hire car, since my car had n... See more
Company replied
This is my third time claiming through Spectrum and my review is not in regards to any prior claims, or the one im about to make, just simply with the customer service I received from Honey today. Sup... See more
Company replied
Emily sorted my issue out from start to finish. Evan made my appointment with Norwich garage at motorpoint.my appointment was at 11 am by 3pm I was txt to say my claim was valid.just waiting for a da... See more
Company replied
Company details
Written by the company
Spectrum Insurance Services provides a comprehensive suite of insurance products for the motor industry, including niche sectors such as Taxi and Leisure and Commercial Vehicles. Our products are supported by our market leading administration and claims handling services delivered from our Sheffield office. Spectrum motor clients have access to our Point of Sale marketing, a fully interactive Policy Registration platform – Policy Flow – that incorporates integrated demands and needs capability for insurance and consumer credit compliance.
Contact info
Westthorpe Business Innovation Centre, Westthorpe Business Park, Killamarsh, S21 1TZ, Sheffield, United Kingdom
- 0114 321 9876
- customerservices@spectrumcover.co.uk
- spectrumcover.co.uk
4.2
Great
874 reviews
No recent history of asking for reviews
This company hasn't invited customers recently, so reviews may not be representative
Replied to 71% of negative reviews
Typically replies within 1 week
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This is now my second successful claim
This is now the second successful claim I’ve made this year and I’ve not had to part ways with a single penny. Thank you LOIS for handling this for me. If anybody gets the opportunity to purchase they’re services, I would recommend.
July 7, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave us such a fantastic review.
It's especially rewarding to hear from a returning customer, and we're delighted we've been able to support you through two successful claims this year. Knowing you've had a positive experience on both occasions means a great deal to us.
We'll make sure your thanks are passed on to Lois. We also really appreciate your recommendation and your continued trust in Spectrum Insurance Services.
Kind regards
Claire
Total scam
Total scam. Sold an entirely different policy. They only authorize junk the cheapest parts available, they are not staffed, noone answers the phone, on hold for literally hours. Completely disorganized and do not work with dealer estimates. Good Luck finding a garage who will work with them and that is how they get out of their claims. Total scam.
July 6, 2026
Unprompted review
Reply from Spectrum Insurance Services
We're sorry that you're dissatisfied with the outcome of your claim; however, we do not believe your review accurately reflects your experience with us.
Your claim was reported on 30 June and a decision was provided on 2 July following receipt and assessment of the technical evidence from your repairing garage. During this time, you spoke with several members of our Claims Team, including a manager, to discuss both the claim and the reasons for our decision.
We also respectfully disagree with the suggestion that Spectrum is a "scam". Your policy has previously benefited from a high-value claim settlement, with the amount paid exceeding five times the total premiums paid under the policy. This demonstrates that we do honour valid claims where they fall within the terms and conditions of the warranty.
Your recent claim was declined because the technical evidence confirmed the crankshaft pulley had failed due to deterioration of its bonded rubber element rather than as a result of a sudden mechanical failure, which is the basis on which the warranty provides cover.
We appreciate that you are disappointed with the outcome, but every claim is assessed fairly on its individual merits using the available technical evidence and the policy terms. In this instance, the decision was reached and communicated within two days of your claim being reported.
Kind regards
Claire
Great Service
Becky was very helpful throughout the claims process and kept me updated. My claim was successfully resolved. I really appreciate her excellent customer service and would highly recommend Spectrum Insurance Services.
Thank you, Becky!
June 26, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for such a lovely review.
It's great to hear that Becky kept you informed throughout your claim and that everything was resolved successfully. We know how important regular updates are, so we're pleased her support made the process a positive one.
We'll make sure Becky receives your kind feedback. Thank you for your recommendation—it really is appreciated.
Kind regards
Claire
I bought a car warranty from car giant
I bought a car warranty from car giant. Thay sold me top warranty for £1600 . I drive taxi
Car Giant assured me this company Spectrum cover my claims in any circumstances. But Spectrum refuses my claims. I maid a mistake. Spectrum advice me diagnosis & get back to them.but I made a mistake and I did not authorise it. Spectrum declined my claims on my silly mistake. But they can checked my car from any independent bmw garage. So I strongly advise don't but warranty from Spectrum car warranty. I am still paying credit card for the payment of repairs.
Edit after reply***
Spectrum denied a claim to a friend of mine. Similar situation. similar car.same repair in reading. What he refused to pay for repairs and told Spectrum he is not gonna pay for repairs and Spectrum has to pay for parking as well. Then Spectrum aggeread to pay. In my case if you think I made a mistake. Why don't you checked my car from bmw or any independent garage for the work. I strongly advise to the public don't buy car warranty from Spectrum. I paid £1600 for nothing to Spectrum. Unbelievable how can these company keep robing public. Once again think twice before you buy warranty from Spectrum.
September 1, 2025
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave your review. We are sorry to hear that you remain dissatisfied with the outcome of a claim that was assessed in 2025.
We would like to clarify that your claim was not declined because you drive a taxi, nor do we refuse claims "in any circumstances". Claims are assessed in accordance with the warranty terms and conditions.
Our records show that, before any repairs were undertaken, you contacted us and were advised that no repair work should be carried out until the claim had been authorised. You were also advised that the repairing garage needed to contact us with the diagnosis and repair costs so that we could assess the claim and, where appropriate, authorise the repairs. This requirement was communicated on more than one occasion.
Unfortunately, the repairs were completed without the required authorisation. This meant we were unable to inspect the vehicle or validate the claim in accordance with the warranty terms, and the claim was therefore declined.
We appreciate this was not the outcome you were hoping for. However, we remain satisfied that the claim was handled fairly and consistently in line with the agreed warranty terms.
Kind regards
Claire
I broke down of a late Friday…
I broke down of a late Friday afternoon, I remembered that I had an insurance after buying my car from motorpoint . I spoke to Emily who was great & spoke to Nick @ Brittanic Auto Transmission whilst I was on hold . The car was arranged to go in the next day . Whilst the pipe that had failed was not included in my policy I’m happy on the professionalism & excellent service all round.
June 19, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for sharing your experience.
Breaking down late on a Friday afternoon is never the start to the weekend anyone wants. We're really pleased Emily was able to step in, speak directly with Brittanic Auto Transmission and help get your vehicle booked in so quickly.
Whilst we appreciate the failed pipe wasn't covered by your warranty, it's great to hear you still felt supported throughout and were happy with the service you received. We'll make sure Emily sees your comments – she'll be delighted to know she made a difficult situation a little easier.
Thank you again for taking the time to leave us your feedback.
Kind regards
Claire
My experience with spectrum
Spectrum have been great whilst processing through my claim. All their agents such as Emily have been professional and happy to speak. They have guided me through the process and explained what the Warrenty could and would not cover. This shows a level of honesty that isn't always there in similar circumstances.
July 3, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a thoughtful 5-star review.
We're delighted to hear about the support Emily provided throughout your claim. Taking ownership, liaising directly with the garage, and keeping you updated every step of the way is exactly the kind of service we strive to deliver.
Your comments about Emily going the extra mile and describing her as "a real customer service gem" are truly appreciated. We'll make sure she receives your wonderful feedback—it will mean a great deal to her.
Thank you for choosing Spectrum Insurance Services.
Kind regards
Claire
I have been following up with the…
I have been following up with the authorised garage and Spectrum for the issue faced by my vehicle. I spoke to Emily today who provided more than just a customer service, she went out of her way to contact the garage and coordinate with them to get the information they needed so that the claim can be moved to the next stage. She also called me back to give me an update and explained the situation about the claim. Emily went that extra mile for me. She is a real customer service gem and a great asset to Spectrum. Thank you Emily, you are a star.
July 3, 2026
Unprompted review
Lois at the spectrum warranty service…
Lois at the spectrum warranty service was a great help, with a fast correspondence regarding my hire car whilst my car was in for repairs.
Can’t thank her enough as she went way beyond other past services.
July 3, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your wonderful 5-star review.
We're so pleased to hear that Lois was able to help with your hire car arrangements while your vehicle was being repaired. Responding quickly and keeping things moving when you're without your car can make a real difference, so it's lovely to know her support stood out.
We'll make sure your kind words are passed on to Lois. Thank you for taking the time to share your experience.
Kind regards
Claire
Excellent service
Have had to speak with the team a couple of times regarding an ongoing issue & they have all been very helpful throughout.
Spoke with Lois today to finalise & received continued excellent customer service. Thank you all.
July 3, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your fantastic 5-star review.
We're really pleased to hear that you've consistently received helpful support from the team while dealing with your ongoing issue. It's especially nice to know that Lois was able to provide the same high level of service when bringing everything to a close.
We'll be sure to pass your feedback on to Lois and the team. Thank you for taking the time to share your experience.
Kind regards
Claire
Great service, helpful staff
I've unfortunately had quite a lot go wrong with a recent vehicle so have had to get in touch with spectrum a lot.
Everyone I have spoken to has been really professional and helpful.
Most recently I spoke with Caitlin. She really made the process feel much smoother and helped to alleviate the stress of the situation. Even going above and speaking directly to the Dealer herself which I really appreciated.
July 2, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a lovely 5-star review.
We're sorry to hear you've experienced so many issues with your vehicle, but we're pleased our team has been able to support you along the way. It's especially nice to hear that Caitlin helped make the process less stressful and took the initiative to speak directly with the dealer on your behalf.
We'll make sure your kind words are shared with Caitlin. Thank you for your continued trust in Spectrum Insurance Services.
Kind regards
Claire
My car was broken and needed a repair…
My car was broken and needed a repair worth around £1300 from the garage. I called the spectrum insurance and asked what the process is to make a claim.
Spectrum explained it quite well and I managed to gather all the information from the garage and submit the claim form online.
Lois had a look at the claim and, presented cost breakdown for work required on my car and authorised the full payment in 10 minutes. She went an extra mile by detecting the miscalculation from the garage and adapted it to the correct amount.
Very good service provided indeed.
July 2, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your fantastic 5-star review.
It's great to hear that the claims process was clear from the outset and that everything progressed so quickly once your claim was submitted. We're especially pleased that Lois was able to review your claim promptly, identify the discrepancy in the repair costs and ensure everything was settled accurately.
We'll make sure your kind feedback is shared with Lois. Thank you for taking the time to share your experience and for choosing Spectrum Insurance Services.
Kind regards
Claire
Spectrum Service
Spectrum Service
I started to get an issue with my car a few weeks before my warranty was due to expire but Jamie and Andrew looked into this for me with a very friendly and efficient manner.
After an assessment at the garage where I purchased my vehicle, it was advised that the part that had failed needed changed under the warranty plan and this was completed yesterday. Both Spectrum and Vic Young Garage in South Shields have been brilliant in sorting this out. Would definitely recommend both Spectrum and Vic Young for the service provided.
July 1, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such a thoughtful 5-star review.
We're delighted to hear that Jamie and Andrew were able to help from the moment you first reported the issue. It's great to know they provided friendly, efficient service and that everything came together smoothly with Vic Young Garage to get your vehicle repaired under your warranty.
We'll make sure your kind comments are shared with Jamie and Andrew. Thank you for your recommendation, and for choosing Spectrum Insurance Services
Kind regards
Claire
All staff at spectrum have been really…
All staff at spectrum have been really helpful. Always polite and always giving real information not speculation. Thank you very much.
July 1, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your wonderful 5-star review.
Your comments mean a great deal to us. We're especially pleased to hear that you found our team helpful, polite and, most importantly, that we provided clear and honest information throughout your experience.
Thank you for taking the time to share your feedback and for choosing Spectrum Insurance Services.
Lois was fantastic even though I had…
Lois was fantastic even though I had phoned on the 30th and left a call back and had to go ahead with the work without receiving a claim number, Lois was extremely understanding with me and agreed to settle a portion of the bill with the labour and parts. I've spoken to Lois now several times and has made a difficult time more manageable and easy.
Thankyou Lois
Allan Saville
July 1, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you, Allan, for taking the time to share your experience.
We're sorry you experienced a delay in receiving a callback, but we're pleased Lois was able to understand your circumstances and work with you to reach a fair outcome. We know unexpected vehicle repairs can be stressful, so it's great to hear that Lois made the process more manageable and was there to support you throughout.
We'll make sure your kind words are shared with Lois—they'll mean a great deal to her. Thank you again for your review and for placing your trust in Spectrum Insurance Services.
Kind regards
After a long wait in the telephone…
After a long wait in the telephone queue the advisor was very friendly and helpful.
July 1, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave us a review.
We appreciate your patience while waiting to get through to us, and we're pleased to hear that the service you received made up for the wait. It's great to know our advisor was friendly and helpful when you needed assistance.
Thank you for your feedback and for choosing Spectrum Insurance Services.
Lois helped me out with all my problems…
Lois helped me out with all my problems such a great employee didn’t waste any time and got everything I needed doing done
July 1, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your brilliant 5-star review.
It's great to hear that Lois was able to get everything sorted for you without any delays. We know how important it is to resolve things quickly, so we're really pleased she was able to help and make the process as easy as possible.
We'll make sure your kind words are shared with Lois. Thank you for taking the time to leave us your feedback.
Kind regards
Claire
Lois and Rebecca ( Becky) went 💯…
Lois and Rebecca ( Becky) went 💯 percent out their for a perfect ended they even did follow up call and all information was clear as well as speaking to the Garage people ..... Very professional I hope they both get recognition for their high standard could not fault atall thank you great service!!!!
June 29, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for such an amazing review.
It means a lot to hear that Lois and Becky made the whole process straightforward for you. Keeping in touch with both our customers and the repairing garage is an important part of what we do, so it's fantastic to know you felt supported from start to finish.
We'll make sure Lois and Becky see your comments. Knowing their efforts were recognised will mean a great deal to them. Thank you again for taking the time to share your experience.
Kind regards
Claire
Personal Experience
Hi
I rang spectrum insurance services and I got connected with Linzi she spoke very politely and professionally, great service and brilliant communication skills.
Very helpful and easy to talk with.
Very happy customer.
Yusuf Patel.
June 30, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you, Yusuf, for taking the time to leave such a lovely 5-star review.
We're delighted to hear that Linzi made such a positive impression. It's great to know you found her polite, professional and easy to talk to, and that her communication helped make your experience a positive one.
We'll make sure your kind words are passed on to Linzi—they'll mean a great deal to her. Thank you for choosing Spectrum Insurance Services.
Kind regards
Claire
I received excellent customer service…
I received excellent customer service from Emily. She answered all of my questions clearly and addressed all of my concerns, helping to clear up any doubts I had. I am very pleased with the service she provided and appreciate her professionalism and helpfulness.
June 30, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for your wonderful 5-star review.
We're delighted to hear that Emily provided such excellent customer service. Taking the time to answer questions clearly and make sure customers feel confident and informed is something we really value, so it's fantastic to know she was able to put your mind at ease.
We'll be sure to pass your lovely feedback on to Emily. Thank you for choosing Spectrum Insurance Services
Kind regards
Claire
During what was a very stressful time…
During what was a very stressful time the team over at Spectrum kept me in the loop at everything single step of the way. A standout character for me was Caitlin. Every time I called she was on the ball and had every question I needed answered within minutes (even the stupid ones from me) Spectrum cover and its team are spot on! No hassle, fuss free and settled my claim very quickly even though major works were required. Once again massive thank you to Caitlin and the team at Spectrum Warranty
June 11, 2026
Unprompted review
Reply from Spectrum Insurance Services
Thank you for taking the time to leave such an amazing 5-star review.
We're really pleased we could help during what we appreciate was a stressful time. It's wonderful to hear that you felt kept informed throughout your claim and that the process was straightforward from start to finish.
We're especially delighted to hear your kind words about Caitlin. She'll be thrilled to know she was able to answer your questions, put your mind at ease, and provide the support you needed throughout your claim.
Thank you for placing your trust in Spectrum Insurance Services.
Kind regards
Claire
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