Reactive Claims Limited Recensioni 

This Claims Management firm unfortunately can@t be avoided. If you buy and insurance policy through a variety of Insurers, if you are unfortunate enough to need to claim, the handling of the claim is sub contracted to Reactive Claims, so you are no longer dealing with the company you originally paid your premium to!
Reactive claims have a mandate from their customer (your original insurer) to follow the policy wording to the letter, and they have no flexibility and are required to minimise any claim as part of their contract.
It may be better to pay more and choose an Insurance Company who handle their own claims (check before you buy) where you can argue, negotiate or even complain with the company you originally paid your heard earned cash to.

Having read about the experiences of others i was slightly concerned about things. To be honest if your claim is genuine then you have nothing to fear as my claim for insurance on medical grounds was agreed and processed in around 21 days. Make sure you send everything as they need in the correct format and it makes life easier on all counts.

Disgusting company.
Had a fall on holiday,left disabled.All they keep saying is we need more info.Sent them everything,hospital reports,doctors letters.Still no pay out.
Have just reported them,please,do not use

Utterly useless company.
Currently dealing with their Managing Director (easy enough to Google his name - email format is pretty standard and easy to work out too should you need to).

He is now ignoring my emails.

Happily filed a complaint with the Financial Ombudsman which I suggest everyone does.
Free, impartial and law binding on Reactive Claims.

Wouldn't call this lot reactive, or proactive. Actively useless, perhaps.
Painfully slow to deal with and dishonest in the process.

Thank you susie and your team for getting my holiday money back, due to the fact I was too sick to travel,
It took around 16 weeks to deal with my claim and during this time reactive was always professional and polite
Thank you

Avoid. This company needs to close, they are borderline scammers.
When the claim was sent, it produced no reply
When the claim was resent it produced letters saying no receipts had been received
This went in for 6 months
My COVID certificate, when sent, was rejected on the grounds that it should have been issued in the country of departure, before travel, a requirement which was not stated in the (lengthy) summary contract terms

I intend to lodge a complaint with the regulators.

Ryan Air offered this insurance when the airline ticket was bought, so they are partly to blame. Meanwhile my wife, insured by HSBC, has been fully and swiftly reimbursed.

Absolutely the worst company i have ever dealt with. Even after 6 months and jumping through every hoop, providing every further piece of evidence they asked for, they finally say THEY WILL NOT PAY OUT FOR ANYTHING WITHOUT A RECEIPT.
Now you could say that is fine, but who has a receipt for everything in their travel bag?
Gifts from other people, tough, not covered.
Things you bought second hand, tough, not covered.
Changed your bank and now dont have them, tough, not covered.

Their communication is rude when you do finally get it, and they may as well sign each email off with a middle finger as they do not care.
Emails dont even start with a Hello, just straight into the negatives.
AVOID AT ALL COSTS!

I made a claim for the cost of getting to the airport by taxi in order to make our flight after the coach we were due to catch was delayed by an accident. A taxi was the only way we could make it in time for the flight.

The policy states that it covers costs if transport to the airport is delayed by an accident on the road.

However, they refused the claim because we didn't miss our flight. So, even though this would have cost considerably more, they said that we couldn't get reimbursed. When I disputed this, they said there was no evidence that we would have missed our flight.

I had provided a letter from the coach company which confirmed that the taxi was the only option and I was able to provide further evidence of the times of our journey from my Apple Watch.

They didn't respond to emails even though they had failed to read the evidence properly and just stated in their decision letter that it was the final response.

Had my claim approved in January and still awaiting payment!!!
They don’t reply to my emails either!!!
Currently waiting for a “letter of deadlock”
Ombudsman here we come.
Rubbish!!

my flight was cancelled and i had insurance and i didn’t get anything

My flight been cancelled. I was stuck in the airport with my daughter for 5 days and the insurance company don't want to pay me because I didn't cancel the flight by myself. My flight was canceled because of extreme weather conditions.

£580 claim reduced to £129
5 MONTHS AGO NILL EXCESS
bum bag stolen with passport watch £40 cash in passport holder
CON ARTISTS

Avoid. Took out cover and merely been bounced around. I am disabled and was stranded and since getting home I have merely been mucked about and delayed for over 5 months. still no support. My stress has overcome me with this

A joke ( Avoid )
I purchased this insurance before my trip , lost one of my belongings on flight, however they refused my claim because my loss is below £195 , which is a joke, i probably must travel with jewelleries to get a claim.

Our daughter was a victim of a very serious crime back in summer of 2022. We had to cancel the holiday and only just received a response from this Joke or a company. They denied our application, even though Jet2 said it would absolutely be accepted and we’d have our money back in due course.

This company needs to he investigated immediately.

Once all information had been submitted and accepted. Reactive claims were very efficient in paying out the monies. Excellent service

Avoid this company like the plague!,
Still waiting for my claim 7 months ago had serious accident/disabled through it, they ask for receipts to be sent, which I sent registered post with claim form.
Funny they received claim form! but lost receipts.
I’ve given up on this company, terrible, can’t get to speak with anyone, no one calls back.

I've been trying to claim for a missed holiday due to Covid since last July. Huge spells of no contact and wriggling to get out of paying, despite a letter from BA confirming the payment amounts, non attendance and no refund. Communication has been poor. Will be taking this up with the Ombudsman

Cheaper and quick to take out insurance. Terrible after sales / claim service. Missed flight in July 22, genuine RTA traffic delays. Still trying to claim, despite having provided numerous pieces of evidence several times. They have used constant delaying tactic to drag out a straight forward claim for under £500. They have many improvements to make. I will be taking this to the Ombudsmen as it has taken up so much of my time and the policy wording clearly covers me for this type of unavoidable delay.

Absolute nightmare and still continuing following a holiday in June 2022! Didn't choose this company the insurance was included as part of a package deal with Magic Breaks, never ever again. They say initially that there will be a six week delay, six months later and I'm still awaiting reimbursement of Medical costs, despite having provided every single piece of documentation requested. They then request paperwork that you have already sent!! Delay tactics for sure. I believe that they hope that you will give up.
I am now seeking legal/consumer advice following yet another email today requesting information that they have already received.
Please 🙏 don't put yourself through the agony.
Useless, useless, useless 😑 Do not take out insurance with this company, you will surely regret it.