I think it depends on who you speak to at M&S insurance as to how nice they are. We have had some real stand offish people, and we have had some who couldn't help us enough.
As for the time it takes them to pay out a claim.... Well I haven't found them to be in much of a rush! Although 18 months or so ago they paid us within a couple of weeks!
We got paid within 4 weeks at the latest from me sending the claims form off.
I would have been happy with that 9 weeks just seemed a bit excessive....
Hurley's op was on 27th November, the condition has been approved and we are STILL waiting for a payment of over £600. Despite phoning almost every day for the last week M&S STILL havent paid out. 2 claim forms sent at the same time, one for £184 paid but they're really dragging their heels with this £644 one. Despite re-iterating to them time and time again that we have a mortgage to pay they havent paid up - it is very frustrating particularly as I havent heard that many bad reports about them.
Gosh, having to wait for that amount of money must be a killer
. When Kitten had his big op we didn't pay for it, the vet claimed direct from M&S... I am very pleased to say as we were already waiting for the £180 for the x-rays back, and almost £100 for two bottles of Metacam!
Oh and a word from the wise. Check your bank accounts!!! I couldn't understand why we didn't have the money in our bank account that we should have had this month. I had a look at my account on line and found that £700 that I had thought had gone in over a couple of months hadn't
. I never check my statements... they scare me, but that scared me more!