Nova Direct

What I noticed most was how quickly the loan money turned up, it was in my account before my lunch break ended. I've used them for a couple of smaller things over the years and the repayments come out on the right date every month.

I'd been quoted by my bank for a similar loan and this was rather more straightforward, with no branch visit needed. The application took me a good half hour with my glasses on, but the adviser who rang me to check a few details was patient and courteous, and the funds reached my account the following morning. I'd have no hesitation using them again.

I've bought cover through them a few times now so I know exactly what I'm after. The renewal reminder came early enough that I could compare before it rolled over. Claims are handled by a separate team and they were quick to pick up. Easy enough once you know the ropes.

We were moving into a rented flat and the landlord wanted proof of contents cover before he'd hand over the keys. I went through the quote tool and had a policy confirmed the same evening, which saved me a lot of hassle. The documents arrived by email within the hour and I could download them straight away. Really glad I didn't spend ages shopping around for this one.

I took out a short loan to cover the cost of getting my car's gearbox sorted in the spring. The repayment schedule was set out plainly in the paperwork, which I appreciated. Getting hold of someone on the phone to ask about the early settlement figure took a fair while, mind you.

Been with them since 2014 now and I've never had a reason to switch. Renewal goes through without any fuss every year, the email reminder comes a fortnight ahead, and the cover has stayed exactly what I signed up for.

I've been with them for close to eight years, mostly for my car policy. The thing I notice most is that the renewal quote arrives before the old policy runs out, so there's no scramble. Once a claim for a cracked windscreen took about four days to get sorted, which was slower than I'd hoped. Otherwise it's been straightforward and the prices have been fair.

I needed a small loan to cover a deposit on my student flat and the timing was tight. The application took about twenty minutes and the decision came back the next morning. The payment took a day longer than they said it would, which was a bit frustrating.

I've borrowed from them three times now, the most recent being a small amount to replace the boiler. The money goes into my bank account the same day I've signed, which is a relief when you've got a plumber waiting. Repayments have always come out on the right date and the statements are easy to read. I've never had a reason to ring them.

The first thing I noticed was that the whole application took about ten minutes on my phone, which I didn't expect from a lender. Approval came through the same afternoon and the money landed in my account the next working day. The only niggle was the repayment schedule email, which was a bit vague about exact dates, so I had to log in to check. Otherwise no complaints.

Honestly the cover does what I needed it to, and I've had a claim paid out once. The payment landed in my account within a few working days of me sending the photos through. The customer line was helpful when I rang with a question about excess.

I bought the annual cover for my pet dog back in 2016 and have kept it going since. The renewal is the same every year, just a short email with the new figure. I've never had a problem making a claim.

Compared with the bank's own travel insurance I got a quote from here that was roughly a third less for the same level of cover. The policy wording is a bit longer than the others but the key bits are highlighted up front. Booking took about ten minutes on my phone. Nothing to complain about really.

Why I needed a policy was simple: I was about to start a new job and my old cover had lapsed. I looked at three comparison sites before coming here, and the price was the lowest by a fair margin. Booking took a few minutes on the laptop and the confirmation came straight away. The only snag was that one of the payment options didn't show up until I refreshed the page.

I had to make a claim after my bike was stolen from outside the station. I'd compared a few insurers before picking this one, and the claim form was far simpler than the others. Someone called to confirm the details within a day and the settlement came through in under a fortnight. Really happy with how it went.

Compared with three other comparison sites, this came out cheapest for the level of cover I wanted on my car. I'd hoped the renewal would be just as good, and so far it has been. The paperwork came through quickly and the policy details were easy to check. I've kept my cover here since.

Worth it if you already know what level of cover you need and you're not after a lot of hand holding. Price was sensible for what I got and the renewal reminder came in good time, though I did have to chase one question about excess by email and waited a couple of days for a reply.

Got a quote on my phone to compare with my mate's insurer and this was like half the price. Signed up in about five mins. Docs came through on email straight away, no waiting around.

I needed a home emergency cover policy after my boiler packed in during the winter. I'd not used them before so I went in with a fair bit of caution. The quote was reasonable, but it took three working days to get the policy confirmed, which was longer than the site suggested. Once it was sorted, the cover has been fine.