Picnic. Avaliações 

They had the cheapest quote on MoneySupermarket. So i clicked through to order. After you Don't add any extras they add 45% on the final page. This doesn't show on the payment page until you after you have paid.
Once i Realised I had been overcharged compared to my quote. I tried to ring them with the number they emailed with my original quote. Then then said they couldn't deal with it since it's an online policy. I then tried the online chat... 4 hours with a 5 minute pause between question,ls, it takes an hour to get through their 'security' when they just waste your time asking you your name & post code again. Then they finish for the day and you have to try again the next day!
Theyb then say they will charge £25; to cancel & it will take 10 days for the refund to go through, this on a policy that first start for 15c days.
AVOID!!, pay more with a better quality insurance company.
This is the worst experience I have ever had with any insurance broker. Imagine if you had to make a claim and wait 4 hours!
These people shouldn't be in business!

Disingenuous scammers, they sent me a vague email advising they needed to discuss the policy. I rang up in good faith they advised me their was a discrepancy with my mileage across their systems. I advised off the top of my head I do 10k a year but could possibly be more, but wasn't certain so put it up too 12k miles to be safe and then they said I was giving conflicting information and decided to increase my policy by £105 disgusting
hustlers, I cancelled my policy and leaving them, I said don't change the mileage keep what was originally put but they say as it was stated they now can't change it and are demanding the money what a surprise disgusting hustlers, horrible company avoid at all costs.

if i could put 0 stars i would terrible staff even worse online chat. policy details wrong tried to amend 4 times over phone and on online chat got nowhere also tried to change vehicle they tried to make me pay a years insurance on a car i no longer own and a years policy on a new car they wanted £2000 for a years insurance on a 20 year old car when i have 13 years no claims i am now taking this to the insurance ombudsman as i were only 1 day out of the 14 day cooling off period and charged £200 to cancel the policy that was held for 15days

AVOID AT ALL COSTS!!! Genuinely the worst company I have ever dealt with. I found what seemed like a really good quote online, but about 10 minutes later realised I needed to change the policy start date. That’s when I discovered there is no option to speak to anyone everything is online only/AI chat!

I tried the online chat for over two hours to get through to someone, only to repeatedly be told that the chat had ended when it hadn’t even started!!

I eventually decided to cancel the policy. They had already taken an initial payment of £52.26 but are now only refunding me £27.26 meaning they have kept £25.30 for doing Jack S!!!

I am now making a chargeback claim through my bank.

Honestly, save yourself the hassle and AVOID THIS COMPANY AT ALL COSTS!!

Very stressful with this company 1st central (picnicinsurance) they wont answer your call first, and so many Scottish people on phone really very stressful,you cant understand what he is saying,and he wont resolve the problem and one more he talk like really a drunken person.and finally when i made the purchase of car insurance the money has been deducted from my bank account but the payment page stop working and say we protected your money its safe with us.really please dont choose both 1st central and picnic car insurance everything is waste of you time.

Very disappointing experience. They attract customers with low initial quotes, then start adding conditions and requirements, causing the policy price to increase unreasonably. Their cancellation fees are also extremely high.
I would not recommend this insurance company. Based on my experience, I would advise people to stay away. Very negative experience overall

Used Go Compare and took out the insurance with Picnic. The platform requires you to answer if you have "other" employment. I do. I am CEO of 1 business Company Director of another & retired. I only used the first, but they didn't allow 'Property Investment" in the choices, so I put Property Development. After the 14 day cooling off period, I was emailed asking me to get in touch; I did that day! I was told I'd made an error and they would update the policy. They did and told me the extra cost would be nearly £200. This was just £50 cheaper than a new policy would be for a year. It was after the 14 days cooling off - convenient that. They are a total rip off. I cancelled the policy and went with another provider, from another comparison platform. Seriously beware of them. I feel totally ripped off and conned by
their call answerer. I would never go near them again.

Would give this company zero stars if I could.

I bought insurance online through a compare company with picnic insurance. Everything seemed fine until I tried to submit my no claims discount. There were issues from this point on. They wouldn't accept my ncd. I tried several times to get this resolved without success. So I decided to cancel the policy before they did, which would impact my insurance in future. Couldn't cancel the policy on my online account. So had to use the chat process. Couldn't cancel it on the first day of trying. But managed after an hour on the online chat. Was then hit with massive charges for cancelling the policy. For 26 days of insurance I was charged more than a 3rd of the price of the years policy.

Not happy at all.

I would avoid this rip off company

Horrendous company no customer service online is a scam customer service answered after 40 minutes told me go online which is pointless as cant alter start date should be investigated by trading standards

Not even 1 start, some one shoul do something, they took my money without providing nay insurace documents. They told me that I need to wait a month for them(till the last day when my current insurace end) How is this possible???!!! Taking money and not even sending a single confirmation email? After I spoke with customer support, they took 25£ of my money as fee. Why ar this SCAMMS legal?

I arranged a car insurance policy with this company this morning, set to begin on 5 September 2026. Within hours, due to horrendous customer service, I attempted to cancel via their online system - well within any reasonable cooling-off period, and before the policy had even come into effect.

Their system falsely told me I could not cancel until the policy start date itself. This is not only inconvenient but actively misleading, and appears designed to obstruct customers from exercising their statutory cancellation rights.

Despite the policy not yet being active, the full premium had already been taken from my credit card. I have now had to formally demand a refund and written confirmation of cancellation, and have made clear that I will escalate to the Financial Ombudsman Service and, if necessary, the small claims court if this isn't resolved promptly.

Holding a customer's money hostage for a contract that hasn't even started, while blocking their ability to cancel, is a shocking way to treat new customers. I'd strongly encourage anyone considering this insurer to think twice. They have also told me they will deduct £25 for doing absolutely nothing.

If you're reading this before signing up: check how easy it actually is to cancel before you hand over your card details. Also, don't bother emailing them anything as they tell you that they cannot respond to you - incredible!

Appalling. Provided full and accurate information during quote. 2 weeks later received an email saying they weren’t accepting my NCD, despite full confirmation from existing insurer, and applying a £190 additional charge. Called the service line who refused to cancel my policy or raise a complaint.
Avoid.

Horrendous waste of my time!! 3 weeks after taking out the policy they email me saying they need to do validation checks on my policy. I'm on the phone to them for 20 minutes going round in circles asking me what my job is what industry I'm in etc. Each time I answer they put me on hold for 5 minutes then they come back asking for examples of daily tasks I do in my job. what the hell has this got to do with car insurance, no other insurance company ever asks this stuff ! I just cancelled there and then this company is a joke. making it as difficult as possible to get a valid insurance, I bet they do this hoping that so many people just don't bother and end up paying fro insurance that isn't actually valid!

Do not use this company. They are an absolute disgrace and borderline dishonest. They provide a quote you agree it, they then phone you to validate your insurance then increase it by 50%. They do this outside of the cooling off period.
DO NOT USE

What an awful company! Tried to set up a new policy and it kept rejecting our bank details, we have had an account with same bank for 30 years and never had a problem setting up a policy before. Phoned customer service explained the problem kept getting told you need to check your bank details with your bank, advised the details are correct, got told off for not listening to her then got cut off! Think we dodged a bullet here and happily set up a policy with esure instead!!

Can't bill a credit card, after hours "No, I don't want this overpriced extra." "Nor this one."

im going to buy this insurance for my car but reading shocking reviews dnt know why im not going to buy from this insurance company thanks

Very disappointing experience with Picnic/First Central.

My premium was substantially increased after they carried out validation checks after the policy had already started. When I decided I didn't want to continue, I attempted to cancel online on the 14th day of the policy, while still within the cooling-off period.

However, Picnic had placed my policy into a locked state, which meant the normal online cancellation facility was unavailable. I was unable to complete the cancellation and contacted them again the following day. I was then told I would face fees for cancelling.

I complained, but Picnic maintained the charges. Their final response actually acknowledged that their validation process had locked my policy and made online cancellation unavailable.

When the policy was eventually cancelled, they retained £100 in fees – a £50 arrangement fee and £50 cancellation fee.

The whole experience was unnecessarily stressful and time-consuming. I don't think a customer should be financially disadvantaged because the insurer's own system prevents them from cancelling when they try to do so.

I've now referred the matter to the Financial Ombudsman Service.
Based on my experience, I would not use Picnic again.

Deliberately enters incorrect information
Something simple like car value was incorrect, although it was initially correct on comparison site. When you attempt to change this small error, they wanted £30.

When you contact them via chat, they then say details dont match and end the conversation. Waste of time.

After receiving quote and filling everything in, when making payment they say they cant cover you. How unprofessional.