I have £85 supposedly in my account for months, two big chunks from insurance deals. I have made first payments etc to the insurance companies but have not actually got any of my 'cashback'. I could really do with the extra in the run up to Christmas!
I don't use Quidco but do use TopCashBack and I love it. I have made about £290 this year and have changed it to Amazon vouchers so I can use it for Christmas presents. The majority though is from insurance and none of them have paid out until at least three direct debits have gone through successfully. I would check the terms of each deal because if either of your insurances is with Legal & General or Standard Life then you will probably have to wait for a couple more direct debit payments.
6 months is normal for insurance companies, I imagine they only pay out when you have paid x number of premiums. Although I paid everything upfront for my home insurance renewal last week so I'll be interested to know how long that takes.
When it says "confirmed" it means you'll get paid it in the next payment run (monthly i think) as long as its above your minimum payment. There's a bit that says "your next payment". But yes its real and it works but like PP I don't count on it, just a nice extra when it turns it.
In my experience they do pay out. But yes, some companies take months to go from tracked to paid.
I also once had a random decline (company would only pay on amount less VAT but Quidco calculated and tracked the full amount. I raised a dispute and it was sorted, but do keep an eye on things like that.
Finally, do you have your account settings set up to pay you regularly? I used to keep a balance in Quidco which was a nice and satisfying "pot" but I eventually decided it was a risk as there's no guarantee that they wouldn't just randomly chance their T&Cs or go bust so now I just get ad hoc monthly payments as and when.
I love Quidco though it does encourage me to buy more stufff