Recomendations For Insurance

ls400lpg · March 23, 2015

Hi guys

Any recommendations for Ls400 insurance with LPG. I have been with Flux Direct for 4 years but has anyone had any better insurance companies.

Appreciate your answers

Bluesman · March 23, 2015

Hi guys

Any recommendations for Ls400 insurance with LPG. I have been with Flux Direct for 4 years but has anyone had any better insurance companies.

Appreciate your answers

I have been insured with Chaucer for the last 4 years and LPG not a problem. No one else could match their price. Currently paying £190 PA 65+ living in the countryside. Full NCB Where you live seems to matter more than your driving record. Good luck Mike.

ls400lpg · March 23, 2015

Appreciate that.

Thanks, going to give them a call

ls400lpg · March 23, 2015

Dam I am not qualified on there system so cannot get a quote hahahhah!!!!

mr2lad · March 23, 2015

I'm with ESURE and only £163 PA full no claims and live in quite area plus cars garaged overnight or on a locked driveway 3pts on license (speeding in lorry) unsure on a quote for LS400 on lpg tho, but worth a chance

LexusCT200H · March 23, 2015

Insurance is really messed up. If I put my old houses address (C.London) my insurance comes to £9k... (YES 9K!) and if I put it in my current address it comes up as £325....... I mean seriously insurance!!!!

ls400lpg · March 23, 2015

My insurance was £1600 in 2012 and is now £1100. It is a lot compared to everone else. It is due in May so doing my research

ls400lpg · March 24, 2015

cheers I will check them out!!!

DAN@ADRIAN FLUX · March 24, 2015

Hi,

Hopefully our renewal premium will be competitive for you however if you have any questions please feel free to drop me a line.

Regards,

Dan.

harrylime · March 24, 2015

I pay around £200 with RH specialist insurance for a classic car policy, 5000 miles pa and it includes rescue/recovery and European cover. parked on a drive, the area is not low risk in terms of insurance. No experience with LPG though

Bluesman · March 24, 2015

I pay around £200 with RH specialist insurance for a classic car policy, 5000 miles pa and it includes rescue/recovery and European cover. parked on a drive, the area is not low risk in terms of insurance. No experience with LPG though

I have driven LPG cars for the last 16 years and all without problem. One thing to check is your insurance company will cover you if they don't there are plenty of good companies around that will. Mike.

ls400lpg · March 25, 2015

Been using a policy on 5000 miles a year costing about £1200 a year with Adrian Flux. Got a quote for £1050 but good news I can do 19,000 a year. Looks like that is the one!!!

I started paying £1600 a year in 2012 and that is a lot compared to what you guys are paying

Bluesman · March 25, 2015

Been using a policy on 5000 miles a year costing about £1200 a year with Adrian Flux. Got a quote for £1050 but good news I can do 19,000 a year. Looks like that is the one!!!

I started paying £1600 a year in 2012 and that is a lot compared to what you guys are paying

I dont think even the insurance companies know how they come up with the numbers. You just beat yourself up trying to understand the logic of these companies. Mike.

Malc · March 25, 2015

Mike, how so so true . SAGA gave me huge grief when I moved to my present house in 2013 and upped my premium, that I couldn't avoid, existing running cover and house move .......... by £160 and now this year, 2015, they quote me what I used to pay, the buggers, they REFUSED point blank to tell me their reasoning for the arbitrary increase in 2013 .. oh, same postcode now of course and yet another year's NCD .............. that's 47 years now I think !!!

Load of shisters in my book

Malc

Bluesman · March 25, 2015

Mike, how so so true . SAGA gave me huge grief when I moved to my present house in 2013 and upped my premium, that I couldn't avoid, existing running cover and house move .......... by £160 and now this year, 2015, they quote me what I used to pay, the buggers, they REFUSED point blank to tell me their reasoning for the arbitrary increase in 2013 .. oh, same postcode now of course and yet another year's NCD .............. that's 47 years now I think !!!

Load of shisters in my book

Malc

Saga gave me loads of grief some years back. I had out housed insurance with them and we had a few items which exceeded their £2 limit after which you had to have the item listed with photographs and a professional valuation. All this was done, into the 2nd year one of items sadly got broken and despite adhering to all their stipulations they refused to pay out as on the other side of the form was a section on wanting to insure bicycles away from home. I had written on that side of the form Not Needed and because you could see it through the paper from the other side they argued that I had elected not to go through with the listed item. It took me 16 months to get the money and within days I had letters telephone calls from you know who asking if I wanted to take more insurance out with them. As you say Shysters. Mike

ls400lpg · March 25, 2015

For some reason LS models are more expensiv than mercs and bm's when it comes to insurance?

dave1 · March 25, 2015

Been using a policy on 5000 miles a year costing about £1200 a year with Adrian Flux. Got a quote for £1050 but good news I can do 19,000 a year. Looks like that is the one!!!

I started paying £1600 a year in 2012 and that is a lot compared to what you guys are paying

But how many miles do you actually do/envisage doing?

ls400lpg · March 25, 2015

Did do 30,000 a year, now hopefully just less than 20,000

dave1 · March 25, 2015

Did do 30,000 a year, now hopefully just less than 20,000

So you were driving 25,000 miles more than the policy stated?

Malc · March 25, 2015

...... strangely on this topic .............. my insurers seem to specify that if I go over the suggested likely mileage of 10k per annum then my insurance excess will increase to £500 in the event of a claim ( from the £300 agreed at the outset ) ...........btw, my insurers hadn't asked for my mileage recorded on the speedo at the time the insurance was written !

Malc

dave1 · March 25, 2015

...... strangely on this topic .............. my insurers seem to specify that if I go over the suggested likely mileage of 10k per annum then my insurance excess will increase to £500 in the event of a claim ( from the £300 agreed at the outset ) ...........btw, my insurers hadn't asked for my mileage recorded on the speedo at the time the insurance was written !

Malc

Never come across that in t&c's on any of our policies. I would think that technically it could be a getout for insurers who could say they insured for max of xyz miles and it has been exceeded without notification. Just a thought!

Mileages can be easily checked from MOT data. I called Churchill last year to increase wife's mileage expectation from 4k to 6k but they did not increase premium. I was advised to specify lower expected miles and if needed to increase then phone them and it is cheaper than taking higher mileage at outset.

Malc · March 25, 2015

...... my broker said the same too, phone nearer the time when and if the mileage is likely to exceed, then there will prob. be a small premium adjustment

Malc