Insurance Question

[madasahatter]

I have been with them 9 yrs and in august i will not be with them, i would not recommend them to my worst enermy.

I had a car written off 2 yrs ago tree squashed the car while at a funeral, from start to getting payed out was one knightmare after another, then the

cheeky b******* put a mark against me with protected no claims, i informed them i will pursue it further then they removed it. And as stated above

outcome the same i was doing the work i pay them for an absoloute shower of you know what.

[rayaans]

When it comes to insurance companies I go for the cheapest deal and this is why -

1) its highly unlikely im going to claim on it unless I get hit or hit someone, or my car is severely vandalised ie petrol bombed or sprayed all over with brake fluid (or something of that severity)

2) Ive been with 40+ different insurance companies, I switch every year on both cars - they all have crap customer service anyway when something needs changing - even when you go for a company which is defaqto rated. ATM I am with Chris Knott and fingers crossed, I have had no problems, even when some details needed changing (other companies take the ***** sometimes and try to charge you admin costs when they got it wrong in the first place)

3) Paying extra doesnt necessarily give you better return if you do crash your car. They'll all give you rock bottom trade price if you have an accident and the car is written off and they all give you a new car in the first year and if you are the first owner so there's barely any difference in policies apart from if you add extras

[madasahatter]

yes i think you are correct what you say, cheapest quote on this vehicle is 372.00 i think thats still high considering my age

[Martin F]

3) Paying extra doesnt necessarily give you better return if you do crash your car. They'll all give you rock bottom trade price if you have an accident and the car is written off and they all give you a new car in the first year and if you are the first owner so there's barely any difference in policies apart from if you add extras

This is where agreed value policies come in. If your Lexus really is your pride & joy then I would definitely recommend getting an agreed value policy, it saves any debate and delay if the worst does happen. I have one of these on my Supra, due to its rarity.

[madasahatter]

Yes may try the ones on the forum see what im quoted from them, you can get lower premiums but access is rediculous.

[rayaans]

3) Paying extra doesnt necessarily give you better return if you do crash your car. They'll all give you rock bottom trade price if you have an accident and the car is written off and they all give you a new car in the first year and if you are the first owner so there's barely any difference in policies apart from if you add extras

This is where agreed value policies come in. If your Lexus really is your pride & joy then I would definitely recommend getting an agreed value policy, it saves any debate and delay if the worst does happen. I have one of these on my Supra, due to its rarity.

The ones ive checked always seem to have certain criteria you need to fill eg:

1) Car must be over 20 years old

2) Driven less than 5000 miles a year

3) Not your main car

4) Named drivers over a certain age etc etc

[madasahatter]

Well only number 2 on the list applys to me unfortunately.

[Tel]

I am with Lexus------5000 miles p.a. £324.

Been with them since I retired in 2003.Service whenever I have had an issue has been superb.

Tel

[rayaans]

Older people with low mileage tend to get rock bottom insurance prices lol - Im paying close to £600!!

[bluenose1940]

i'm with Aviva, Fully Comp, Protected NCD, Legal, etc. etc. @ £213.00 p.a. which I think is pretty good.

[madasahatter]

Thats a very good quote for sure, to many young kids where i live cars look like been playing doderms. Possibly why so high only guessing.