PG Mutual Reviews 

67
TrustScore 4.5 out of 5

4.5

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Rated 5 out of 5 stars

PG mutual have always been there for me during any major illnesses. Now after nearly 38 years it’s been great to have that little financial bonus in my bank account. Customer services were always hel... See more

Company replied

Rated 5 out of 5 stars

I’m giving PG Mutual five stars for their professionalism and the smooth, straightforward registration process. Their communication has been excellent — clear, timely, and genuinely supportive a... See more

Company replied

Rated 1 out of 5 stars

It didn't really benefit myself in anyway. Just like insurance, private pensions, warranties and guarantees aren't worth a thing when you want to claim. It's a corrupt system of taking people's money... See more

Company replied

Rated 5 out of 5 stars

So pleased that I used PG Mutual as I did for the length of time I did. I was originally recommended to use by a great friend & colleague and I would have no hesitation in recommending to my friends... See more

Company replied

Company details

  1. Income Protection Insurance Company
  2. Personal Insurance Company

Written by the company

Income Protection insurance from PG Mutual. Our plans could provide you with an income if you couldn't work due to illness, accident or injury.


Contact info

4.5

Excellent

TrustScore 4.5 out of 5

67 reviews

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Replied to 100% of negative reviews

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4.5

All reviews

(67)

15 reviews in the last 12 months

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Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 5 out of 5 stars

Very reliable firm


Very reliable firm. Gives excellent advice and was a tremendous support to me during my working career.

25 June 2024
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Reply from PG Mutual

Thank you for your kind words. We are so glad we were here to support you.

Rated 5 out of 5 stars

I have no need to contact PG Mutual for…

I have no need to contact PG Mutual for many years.
I have been retired for 18years, and have left the account accumulating since then.

25 June 2024
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Reply from PG Mutual

Thank you for your review. Our dedicated team will be at the end of the phone if you ever need to contact us.

Rated 5 out of 5 stars

Efficient to a T…

My requirements were rapidly understood, options outlined and executed in a professional and timely manner. Everything one would expect from an efficient organisation but sadly lacking in do many of the financial institutions today. Keep it up PG !!

1 March 2024
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Reply from PG Mutual

Thank you for your kind words, we are glad to have provided a good service for you.

Rated 5 out of 5 stars

I wish I had known about PG mutual when I qualified as a pharmacist.

I wish I had known about PG mutual when I qualified as a pharmacist because not only is this good investment in terms of savings but a fall back when I did pharmacist locum work and was unable to earn but still had regular bills to pay.

6 March 2024
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Reply from PG Mutual

Thank you for your review, we are glad to support you. Please note that with our member get member scheme, if you refer any friends, family or colleagues and they quote your name when applying you will receive a £50 voucher, 3 months after they become a member and you can refer as many people as you like.

Rated 3 out of 5 stars

Not had to use my policy yet

Not had to use my policy yet - thankfully so cant rate how good they are to 'paying out'. Was promised gift voucher after 3 months and it has arrived.

31 May 2024
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Reply from PG Mutual

Thank you for your review. Vouchers are done in batches at the end of the month and yours is in the batch currently being processed so it should be with you very shortly.

Rated 3 out of 5 stars

Not as good as used to be

Not as good, reliable as in the past. I have been a member for over 10 years. So far I had to claim only twice due to short illness lasting not longer than two weeks. The first time they were understanding and paid the amount what was agreed and expected. Second time, in 2022 due to Covid I had to cancel two weeks of high end jobs. PG was fussy, asked all sorts of "evidence" and paid less then a my day's fee. Very disappointed with service - got the feeling of wasting my monthly premiums for nothing. Would be better paying into a saving account.

30 May 2023
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Reply from PG Mutual

Thank you for your review. We are sorry to hear that you have been disappointed. We are glad we were able to support both of your claims for you and we do require evidence of incapacity for all claims to ensure that we are assessing claims fairly for all of our members. Our maximum level of cover is 70% of your gross annual income but claims will be based on what you set your benefit level at. We are always working on improving our service for our members and hope you have a better experience in future.

Rated 1 out of 5 stars

Looking for another provider for income protection

Looking for another provider for income protection. Made complaint to PG Mutual it wasn’t upheld and I contacted professional body. End 2022, start 2023.

PG mutual showed a shocking lack of compassion to a sole trader having cancer related tests and minor surgery during COVID restrictions. I was forced to take extra time off prior to surgery and biopsy due to NHS Scotland COVID restrictions. Initially PG Mutual refused to pay anything out for a 3 week loss of income.

My professional body fortunately put pressure on PG Mutual and they eventually paid out. My professional body brings them a lot of business. We initially get a discount with PG Mutual for being members of the professional body.

Following submission of this review I am further angered by the response I received from PG Mutual to my trust pilot review. It is factually inaccurate.

PG mutual refused to overturn their decision not to make a payment to me. The decision only changed when the CEO of my professional body intervened on my behalf. I had already complained and appealed through PG mutuals processes unsuccessfully.

I fed back to my professional body that I had concerns about how I was dealt with given the circumstances of my absence from work. I didn’t want colleague’s going through the same when so many of the members pay out every month to PG mutual for the income protection. My professional body shared my concern and chose to intervene on my behalf at a senior level and I’m grateful they did.

The CEO confirmed personally to me that she had required to persuade PG Mutual to change their decision. This to me is applying pressure.

Please also note that PG Mutual did not pay out for the two weeks enforced absence caused by covid restrictions imposed on me because of my ill health. I received two days income for an absence of three weeks.

My job is my only income, I’m self employed so I was very vulnerable financially and experiencing ill health. I cannot recommend a company that treats its customers like this.

30 June 2023
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Reply from PG Mutual

We are sad to read this review and we don’t feel this fairly represents the effort we made to try and resolve your complaint.

The surgery and biopsy you refer to in your review are covered by our product as these are incapacitating conditions. Unfortunately, as you said in your review, the procedure was scheduled to take place during the COVID-19 pandemic and the NHS required you to take an extended period of time off work prior to the procedure as a precaution against potential COVID-19 infection.

As this extra time off before your procedure was not because sickness or injury had comprised your ability to work during that period, it was outside the scope of your policy.

We would like to make it clear that your professional body did not apply any pressure on PG Mutual. We were trying to find an appropriate resolution to this unfortunate set of circumstances for you, and we were happy for them to act as your representative as a means to achieving this aim.

Rated 5 out of 5 stars

Excellent

Excellent!
Great experience, always friendly and helpful each time you need to speak to staff or get advice!
Thank you!

11 April 2024
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Reply from PG Mutual

Thank you for your review, our team are always glad to be of assistance.

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