PG Mutual Reviews 59

My requirements were rapidly understood, options outlined and executed in a professional and timely manner. Everything one would expect from an efficient organisation but sadly lacking in do many of the financial institutions today. Keep it up PG !!

Gives a good consistent interest rate

I wish I had known about PG mutual when I qualified as a pharmacist because not only is this good investment in terms of savings but a fall back when I did pharmacist locum work and was unable to earn but still had regular bills to pay.

Excellent service from PG mutual. Gary and Paul have been very helpful. Top notch service. Many thanks.

Not had to use my policy yet - thankfully so cant rate how good they are to 'paying out'. Was promised gift voucher after 3 months and it has arrived.

Not as good, reliable as in the past. I have been a member for over 10 years. So far I had to claim only twice due to short illness lasting not longer than two weeks. The first time they were understanding and paid the amount what was agreed and expected. Second time, in 2022 due to Covid I had to cancel two weeks of high end jobs. PG was fussy, asked all sorts of "evidence" and paid less then a my day's fee. Very disappointed with service - got the feeling of wasting my monthly premiums for nothing. Would be better paying into a saving account.

Looking for another provider for income protection. Made complaint to PG Mutual it wasn’t upheld and I contacted professional body. End 2022, start 2023.

PG mutual showed a shocking lack of compassion to a sole trader having cancer related tests and minor surgery during COVID restrictions. I was forced to take extra time off prior to surgery and biopsy due to NHS Scotland COVID restrictions. Initially PG Mutual refused to pay anything out for a 3 week loss of income.

My professional body fortunately put pressure on PG Mutual and they eventually paid out. My professional body brings them a lot of business. We initially get a discount with PG Mutual for being members of the professional body.

Following submission of this review I am further angered by the response I received from PG Mutual to my trust pilot review. It is factually inaccurate.

PG mutual refused to overturn their decision not to make a payment to me. The decision only changed when the CEO of my professional body intervened on my behalf. I had already complained and appealed through PG mutuals processes unsuccessfully.

I fed back to my professional body that I had concerns about how I was dealt with given the circumstances of my absence from work. I didn’t want colleague’s going through the same when so many of the members pay out every month to PG mutual for the income protection. My professional body shared my concern and chose to intervene on my behalf at a senior level and I’m grateful they did.

The CEO confirmed personally to me that she had required to persuade PG Mutual to change their decision. This to me is applying pressure.

Please also note that PG Mutual did not pay out for the two weeks enforced absence caused by covid restrictions imposed on me because of my ill health. I received two days income for an absence of three weeks.

My job is my only income, I’m self employed so I was very vulnerable financially and experiencing ill health. I cannot recommend a company that treats its customers like this.

Excellent!
Great experience, always friendly and helpful each time you need to speak to staff or get advice!
Thank you!

Over all it is excellent

Great company

Helpful staff . Always pleasant when phoning

Helpful and knowledgeable member of staff who resolved my enquiry and sent the necessary forms by 1st class post which were received the next day.

Having been a member for many years without needing to utilise the services of the cover provided by PG Mutual it wasn't until 2023 that I realised the limitations of the scheme. Running a small sole trader professional consultancy business it wasn't until I very much needed the income protection due to a stress related illness that I was pointed toward the terms and conditions of the policy which excludes stress related illness. Whilst it is fully accepted that the policy terms and conditions exempt this illness I made the point to PG Mutual that their insurance scheme would appear to be geared towards small professional businesses and I offered the opinion that stress and mental illnesses would be one of the most likely reasons for not being fit to work. It would seem to be the case that the policy is set up with a mindset that mental illness is not a reason to be unfit to work.
I therefore cancelled my policy after nearly 9 years of membership. I would urge anyone else considering taking the insurance policy to ignore the marketing and understand the small print in terms and conditions before using this scheme.

Always there when needed and professional in their approach

I received excellent advice when I called their customer support team. Very happy with their service.

My income protection application was declined. Fair enough. They took ages and ignored several requested for an update though. During this time I may well have found am alternative. Consider an alternative before you apply.