RSA Insurance Reviews 

Don't trust this insurance, if an accident happens they don't pay money! They make up all sorts of non-existent laws! Avoid this insurance as much as possible

In my opinion, they’re the worst insurance company I’ve ever used.

Terrible insurance company. My mum died, they asked me if she had made a claim. I roughly remembered something that happened but couldn’t remember the year so guessed. They now say I didn’t disclose a previous claim which my late mum made because I got the date and details wrong so instead of helping me out with a huge water tank leak that I have had to deal with on my own, they are sending it back to the underwriters to see what happens next… Trying to squeeze out of making any payment and help me with my catastrophic situation just after my mother’s death. Inhumane treatment just to save themselves money. No compassion care or understanding, just complicating things - not accompanying the person. A disgraceful money making machine!

If you have an occupational pension with this company, please be careful when dealing with them.

Review Title: Policy Cancellation Nightmare - Lack of Communication and Business Interruption

I am writing this review to express my extreme dissatisfaction and frustration with RSA/NIG regarding the cancellation of my Motor Trade Policy NM006484920. This entire process has been a nightmare, characterized by a severe lack of transparency, internal communication failures, and significant negative impact on my business, Auto Oasis Ltd.

My policy was abruptly cancelled via a letter dated July 16, 2025, citing only "General Condition 5" and stating they "no longer wish to provide cover." This vague explanation has been completely unhelpful.

Since then, I have been in a constant loop of trying to get a clear reason. Their helpdesk initially suggested an unsigned credit agreement was the cause, which I promptly addressed. However, I never received confirmation of this resolution. To make matters worse, my insurance broker, PIB Insurance Brokers Limited, had no knowledge of the specific cancellation reasons, and even RSA's own helpdesk, upon further inquiry, seemed completely unaware of the details. This clearly indicates a major internal communication breakdown within their organization.

Despite the policy being cancelled, payments continue to be debited from my account, and the credit agreement remains active, which is unacceptable.

The most critical issue is that without a clear, documented reason for cancellation and my no-claims bonus information, I am unable to obtain new insurance quotes. This has effectively held my business hostage, causing immense stress and severe business interruption, leading to serious operational and financial issues.

I formally lodged a complaint, and they promised a response within three business days, but this deadline has also passed without any communication.

This experience has been incredibly stressful and damaging. I urge anyone considering RSA/NIG to be aware of their poor communication, lack of clarity, and the potential for significant business disruption if issues arise.

If I could give this company a -100 I would , Please avoid this scamming insurance company at all costs !! They are scamming people who take a extortionate premium each month and try to give you £7000 less then what I’m insured for I have never known such a horrific shambles of a company I do not know how it is still a exsisting company put premium up from £30 to £80 in 2 years no claims please do not even consider using this company they are quick anough to take your money but in the unfortunate event of a claim don’t want to acknowledge you my case has gone to the ombudsman I hope they can see what a I shambles this company is About RSA should not be in business shocking in all aspects

I had the unfortunate experience of this company underwriting my more than pet insurance; Awful, incompetent, ai generated claim rejection emails that don’t make any sense, pathetic. I would never touch this lot, truly terrible experience.

Complaint delay refund £11.49 coz two payments on July for home insurance I call three times.. I’ll look into other company for home insurance sorry give 1 stars

RSA Insurance is the worst company I have ever had to interface with. I won’t ever buy a policy from them, or from anyone they underwrite. I have never seen a Trust Pilot review this low.

I had a major pipe leak in the bathroom walls. RSA loss adjuster visited and told me the claim would be accepted and to ‘tell me how much my quote was for, and they’d honour it’.

In fact, they offered less than 35% of their liability for the builder labour, and 0% of their liability for the sanitary ware.

They linked this to “National Standard Rates” which were set in the 2000s have never been recalibrated to account for a) inflation b) location (central London) and c) economic shocks and subsequent effect on construction supply chain. This is all despite a tripling of their premiums.

The products they suggested were trade products, despite my current home survey declaring a ‘mid range’ status for fittings and furnishings. Having RSA contractors complete the work would have reduced the price of my property, a decision no homeowner should be bullied into making.

In addition to the facts above, they treated me with contempt and disrespect and gave zero regard to the fact that I was fighting cancer at the same time as this leak happened. I will never forgive or forget the stress they caused in my life, and will advise everyone who comes to me accordingly. You are the lowest of the low.

Car covered by comprehensive cover went on fire. RSA refuses to pay. Is that not fraud?

RSA and Crawford are working on my Claim Since 2022. Both Company has given me and my family so much of stress that i cannot explain. someone should take both companies to court as they only give stress and mental pressure to families like us. Both Companies blame each other on decision and no one takes responsibilities. Crawford claim they work with instruction of RSA and RSA States Crawford's are dealing with Claim so speak to Crawfords.

We are a small village club ,after many years of paying extremely hefty premiums we had cause due to a leak to contact this monstrous corporate machine, they showed no human compassion and dismissed our first ever claim out of hand , their representative on visit advised us to invest in extra equipment at great cost and even when they dismissed the claim wouldn't even pay for the advised additional equipment, our small club which is a lifeline for some elderly people is now in real peril and royal sun alliance show no compassion at all

4+ years fighting documented deception. Claim Ref: 202009030674
RSA Insurance and Crawford & Company fabricated THREE complaints in my name, forged documents with impossible timelines, and suppressed evidence. Metadata proves Schedule of Works backdated from 2021 was actually created April 30, 2024. Certificate of Structural Adequacy cites expert advice from YEARS before the expert was consulted.
Red flags for other victims:

"Thank you" letters for complaints you never made
Changing claim reference numbers
Missing files from data requests
Your own emails blacked out when returned to you

354 pages of evidence submitted to RSA Board - they responded using reference number of their own fabricated complaint.

FIND ME ON SOCIAL MEDIA

I've written TENS OF DETAILED ARTICLES exposing this systematic fraud with original documents, metadata analysis, and forensic proof. The "Art of Administrative Fiction" series contains hundreds of pages of evidence.

JOIN THE FIGHT - You're not alone. This appears systematic and affects ALL policyholders. Find my social content and stand with me for accountability.
5+ months since offering 3GB of evidence to all regulators (FCA, ICO, SFO, FOS) - still ignored.
This could happen to YOU. Share this. Find my articles. Join me.

Like so many, our own experience confirms what a disgusting company it is in cahoots with Nationwide, happy to collect the customers’s money but, find some loophole to decline a claim !! They should be investigated by the government! Even Financial Services Ombudsman is thoroughly incompetent!!

They are quick to take your premiums, but quicker to refuse a claim.
Not recommended.
Sorry sir, can't pay out on that claim "it's fair wear and tear. Absolute poor excuse that works for them but not the poor customer.
Fair wear and tear ? Give me back my premiums then.

Lucky to get 1 star if you get contacted by this for a car claim just accept the 50/50blame ,save your time and effort on numerous emails and phone calls as they are not remotely interested ,2 years to get here and they say that they deal with things in a timely fashion 🫣

I had a very disappointing first experience with RSA. Their online claims submission process completely lacks clarity and functionality. After uploading all documents and filling out all forms, when I tried to submit, I received an error saying: "Unfortunately, we cannot process it right now. Please call the contact center number."
This happened after 8:00 p.m., when the contact centers were already closed — and nowhere on the website are the claim submission or contact center timings clearly mentioned.

Moreover, the website only explains the submission process for Abu Dhabi and Dubai Emirates. It provides no proper guidance for claims from other Emirates. When you call the contact center, they simply advise you to submit online — creating a frustrating loop.

I have been trying to submit my claim for the past two days without any success. Based on this experience, I am giving RSA a one-star rating. Very poor service for first-time customers.

I have insured with RSA for more than 30 years on my property.
When you need their help they are sorely lacking.
This insurance company in conjunction with their "specialist" loss adjuster, Crawford, for subsidence claims are the pits.
The majority of us just want a claim dealt with fairly and efficiently. We are not trying to "rip off" our insurer, so we expect our insurer not to take advantage of us either. We just want any repairs carried out in the appropriate manner to return our property back into good order.
Why then , is everything an uphill struggle of mammoth proportions just to speak to your case handler or get anything done? Why do Crawford issue certificates of adequacy before starting works? Why do they refuse to use Structural Engineers to assess damage? I think we can guess why?
After 30 years of loyalty
and paying my premiums to RSA, I can only request that someone in authority reads this review and improves their customer service and claims handling.
If you read your reviews, please respond and act as a responsible insurer to your customers. Until you do, I would advise everyone out there to insure elsewhere .
Why isn't the Insurance Ombudsman looking into how this Insurance Company is behaving towards its customers? Why are they allowing them to employ Crawford's (their specialist subsidence agent)? The pair of them acting together is like employing Laurel and Hardy to handle your claim!
And finally, in July 2025, after nearly 3 years, they have appointed a Structural Engineer!
.....However. Was he a Structural Engineer?

This company refused my claim in January 2025 on the basis that according to them the damage caused to my property was done in 2012 l didn't even move here until 2017 said the claim was historical terrible company and just had the cheek to send me a renewal from £584 annually going to £1290 they are having a laugh aren't they told them what to do with it

I have a damaged carpet from water leak which needs to be replaced, RSA claimed that the edge is the carpet is dark due to wear and tear and threw out the the whole claim! So basically you need to have a brand new carpet to be able to claim! It really bothers me to see disgusting companies like this get away again and again. Switch in no time! Steer well clear of this garbage company and low ball people.