Maximus Belmega rated Frontier Insurance 1 stars
2 months ago
AVOID! If I could give zero stars, I would.
My experience with Frontier Home Insurance has been nothing short of appalling. I submitted a legitimate claim after a severe leak from the flat above caused significant water damage to my belongings, including contamination from insulation, plaster, and foul-smelling greywater(sewage). Despite providing extensive evidence (photos, videos, receipts, a plumber’s report, and a full itemised inventory), Frontier delayed, deflected, and ultimately refused to honour the policy.
They initially tried to reject the claim on the grounds that I reported it “outside the 28-day window”, even though I acted reasonably and in good faith while waiting for the upstairs neighbour’s insurer to respond. When that excuse failed, they offered to pay 50% of the claim, effectively admitting it was valid, only to then revoke the offer and try to void my entire policy based on a supposed misrepresentation of my insurance history.
Even after I provided written proof from my previous insurer showing I did have valid overlapping cover, Frontier changed their justification yet again, this time claiming that because I hadn’t held the previous policy for exactly 12 months, I was never eligible. That kind of hair-splitting is not just unreasonable, it’s disgraceful.
The way Frontier handled my claim was obstructive, inconsistent, and clearly designed to avoid paying out. They’ve caused me immense stress, wasted countless hours of my time, and left me out of pocket. I’ve now taken the matter to the Financial Ombudsman Service and will be sharing my experience across every platform I can.
Avoid Frontier at all costs. If you ever need to make a claim, you’ll find out just how little they care about policyholders.
