Livainsurance Arvostelua 

We bought Liva Orange Card insurance at the Musandam border for 5 days for 18.89 OMR. That's great. I noticed prices for longer periods of time, and I should have taken a picture, But, I thought I could look on line when I got back to Dubai. It's not anywhere to be found. So, I called Liva, and asked for a quote. They told me they couldn't give one. So, I just asked for the prices that were posted at the border yesterday. They said they didn't have them. They told me I had to call the border office and ask them. So, I asked them for the border office phone number, and they said they didn't have it. Unbelievable. All I am hearing is . . . . leave us alone, . .. . We don't want your business. Go somewhere else. . . . Don't bug us.

Very Bad Service and Extremely Disappointing Experience!

My vehicle broke down, and I tried contacting your team nearly 50 times, but none of my calls were answered. When we urgently need roadside assistance, your team should be available to respond immediately.

What is the point of having insurance and advertising 24/7 roadside assistance if you cannot provide help when it is actually needed? Your service has been completely useless when it matters most.

This is extremely disappointing and unacceptable. I would not recommend your insurance or roadside assistance service to anyone based on this experience.

After more than three years without making a single claim, my motor insurance renewal premium increased while benefits were reduced. Temporary rental/replacement car cover, which had previously been included, was now offered for an additional AED 150.

What happened afterwards was even more concerning.
On 31 August, I saved my renewal quotation for AED 1,830.15, which expressly stated that it was valid for 30 days. Only a few days later, the same quotation reference showed a premium of AED 1,922. When I contacted Liva and asked which price applied, I was simply told that AED 1,922 was now the price.

I also requested several times to speak with a manager. I was initially promised a callback within 24–72 hours, with the matter supposedly marked as urgent, and was subsequently promised further callbacks within 24 hours.

None of those manager callbacks took place.

I also repeatedly asked Liva's Call Centre to formally register a complaint and provide me with a complaint reference number.

I was repeatedly told that complaints could not be registered by telephone and that I had to send an email.

However, Liva's own published complaints procedure states that the Call Centre is one of the available channels for submitting a complaint. I specifically pointed this out during my call, but my request to register the complaint was still refused.

Finally, I tested Liva's online quotation system as a new customer. Although the insured vehicle value generated by that quotation was lower and therefore the premium itself is not directly comparable, one difference was very clear: temporary rental car cover was included for the new-customer quotation, while I was being asked to pay an additional AED 150 for it on my renewal.

I have retained the quotations and screenshots supporting the facts above.

At this point, my main concern is no longer simply the renewal price. It is the combination of changing quotation terms, inconsistent information, repeated promised callbacks that never happened, and the difficulty I encountered when trying to register a formal complaint through a channel listed in Liva's own complaints procedure.

As a result of this experience, I decided not to renew my motor insurance with Liva and moved my business elsewhere.

Based on my experience, I am extremely disappointed with the way my renewal and subsequent concerns have been handled.

ricky at liva ensured a smooth renewal of my car insurance..he is knowledgeable, polite and extremely helpful...very pleased with his services!

not great for non motor insurance
they take a lot of time and are part of the delay deny depose network of insurance companies