Be extremely cautious when considering PPS Short-Term Insurance.

PPS Short Term Insurance - My experience with their claims process has been deeply disappointing. Turnaround times are exceptionally slow, and the overall experience is not suited to busy professionals. Specified an item four years ago by forwarding the supplier’s invoice directly to PPS. Unfortunately the supplier had made an error on the invoice and recorded the serial number incorrectly. Fast-forward four years: submit a claim, and it is repudiated purely because the serial number on PPS’s schedule does not match. The supplier has since issued a written apology, confirming that the error was theirs and that the item insured is indeed the same item purchased. Despite this, and despite four years of premiums paid without fail, PPS declined the claim. PPS had every opportunity to correct the administrative error on their system and honour a legitimate claim. Instead, they chose to retain four years’ premiums and repudiate the claim based on a human mistake made by a third-party supplier. This is not the standard of service or fairness one expects from a professional insurer. Most people do not compare serial numbers on invoices to the serial numbers on their physical belongings. Consumers reasonably assume that the documentation provided by a supplier is correct. If this same logic were app**** to motor insurance - imagine a vehicle registration number being captured incorrectly - would the insurer also repudiate a claim years later, after consistently receiving premiums, purely because an administrative error slipped through? Of course not. It would be unreasonable and contrary to industry norms. The principle is simple: when the insured item can be clearly identified, when ownership is not in dispute, and when the error is administrative rather than *****ulent, repudiating a claim is neither fair nor aligned with Treating Customers Fairly (TCF) principles.