Guardian Reviews 9

I had a phone call from them asking me to updated my policy. I told him I’m at work and can’t talk. He said he is putting my policy on hold and put the phone on me.
I can’t find a number to contact them.

I have been trying to contact the customer services team since Friday and they simply just ignore emails. I have even asked to make a formal complaint and this has been ignored too. I am stuck because I need to update my life insurance adddress, email address and request login details for my customer portal that i have never had access too on my 2 year old policy. I am shocked and wanted to share this so other can be aware when considering a policy with this company.

As an independent adviser, I have contact with all the Insurance companies including Guardian and would rate their products as 5 star.
It is so disappointing when reading some of these negative reviews, which often comes down to automated emails or an inexperienced member of staff.

Trying for weeks to contact via their online contact form and direct emails to them…..NO RESPONSE

Tried calling them in a queue for 20 minutes then gave up

Absolutely shameful experience with Guardian. I was in the process of reinstating a policy with them! I was required to submit a declaration form to be assessed. This was submitted and they then told me it was incorrect, putting the blame on me when they simply sent the wrong one. They then only gave me a few days deadline to submit a new one.

After that was all sent and accepted, they informed me they had set up the direct debit and would collect the premium in a few days. I then received an email saying I had not paid and that they had ended my policy. All the time they were blaming me when it was they who said that they would collect the payment.

Absolutely shambolic experience. I won’t be reinstating, good riddance!

I don't think I've ever written a positive review of an insurer so it gives me great pleasure to write this one even from a bad life changing event. I do took out critical illness cover almost by accident when I took my life cover. I never expected to need it and it was a little expensive but I was late 40s.

Sadly in August 2024 I had a heart attack caused by infection and needed surgery to repair two valves.

Guardian were helpful and understanding from point I raised my claim. Of course evidence was required but it was handled sensitively and fairly. There was some delay mainly from my GP but once confirmed layout was quick and easy

Thanktiy.

Don’t use this company. They are fine on initial signup but their overly persistent / harassing call centre staff on renewal got abusive, basically sending hideous threats when I said due to their phone call strategy I wouldn’t be renewing. Truly appalling.

DON'T RECOMMEND AT ALL !!!

It's been approx 6 months since I asked for a quote from Guardian for a life insurance. In this time all I got was endless emails full of questions. I was asked in numerous emails around 90-100 questions and qustionaires in which they wanted elaborate answers about my health even if I gave them full acces to my medical history. It is worse than a police interogatory. Their sistem is broken. Once, even if I did send the answers, still got emails in which they were threaten me that they will drop my case if I wouldn't send them the answers. 6 months lost with them with so many hours consumed with their questions. It's like they don't want me as a customer and they invent so many questions so I quit. I never felt so rejected in my life. The worst company ever !!!

I have had a second death policy for 27 years, intended to give a lump sum at the second death to my daughters. and the premium reached £145 a month this year, with considerable benefits at the second death. Suddenly the premium has gone up to £335 a month with the promise of reachig £800 a month in four years, and (God willing) we may be 15 years from the second death. There is an unenviable choice - end the policy now and let all the benefits and all our faithful payments go, or soldier on paying unknown sums towards the end. I now think the company never intended anyone to get to the second death.,