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Sounds like a way of pushing the price up....Thanks, I'll give them a go. I managed to get a quote of sorts out of LV last night for £626 including no claims bonus protection and legal cover. They priced it up as an e-Golf as their software didn't cover an ID3 yet. I have the maximum no claims bonus bonus but live in West London which always pushes the cost of insurance up. They said that when they sort out the listing for the ID3 they would adjust the premium. So it seems like a bit of a gamble to go with them.
I had house insurance with LV. Got burgled 3 years ago. They took £10k worth of stuff, mostly my wife's jewelry. LV refused to pay out. Check the small print. Then get a relative to check the small print. Then get a good friend to check the small print. Once you've checked the small print, get a UV light and check for any hidden text.Thanks, I'll give them a go. I managed to get a quote of sorts out of LV last night for £626 including no claims bonus protection and legal cover. They priced it up as an e-Golf as their software didn't cover an ID3 yet. I have the maximum no claims bonus bonus but live in West London which always pushes the cost of insurance up. They said that when they sort out the listing for the ID3 they would adjust the premium. So it seems like a bit of a gamble to go with them.
Conversely when I made a claim from LV after my i3 collided with a deer they were very helpful and paid out without quibbling. I'm not sure what your point is exactly, any insurer will accept some claims and reject others, LV are supposedly one of the better insurers who are less likely to quibble over small print but that doesn't mean they'll pay out in every circumstance.I had house insurance with LV. Got burgled 3 years ago. They took £10k worth of stuff, mostly my wife's jewelry. LV refused to pay out. Check the small print. Then get a relative to check the small print. Then get a good friend to check the small print. Once you've checked the small print, get a UV light and check for any hidden text.
You should ask them what happens when they adjust the premium. If they put it up I expect you would have the right to reject their new figure and go elsewhere.They said that when they sort out the listing for the ID3 they would adjust the premium. So it seems like a bit of a gamble to go with them.
Point is, as in comment, to inform people based on your own experience.Conversely when I made a claim from LV after my i3 collided with a deer they were very helpful and paid out without quibbling. I'm not sure what your point is exactly, any insurer will accept some claims and reject others, LV are supposedly one of the better insurers who are less likely to quibble over small print but that doesn't mean they'll pay out in every circumstance.
If that is true you have a claim against them for mis-selling. They will have records showing you said you had no burglar alarm, you should make a data subject request for all the information they have about you and they should send it to you. The quote system is automated so it seems unlikely they would have given you the premium for having had an alarm if you did answer 'no' but bugs happen.Do you have a burglar alarm? I answered no. They then proceeded to offer me a quote which I accepted. The small print said that the insurance was on condition I have a burglar alarm installed and I didn't spot that
Went through the ombudsman. They found in LVs favour. No argument we made would persuade them. They were investigated by the Telegraph a few years before for the same issue. They changed their website subtly to get around the ruling and I got caught by it. I'm very diligent about this stuff but they got me so never again and I take every opportunity to warn others about LVs shady practice. If Direct Line can give me insurance even though I answer no to the alarm question then everyone should be able to. In fact I have an alarm now but I still answer that I don't have one on the grounds that if/when I get burgled again it will be sods law that it happens on the one night I forget to arm it! Rather pay the extra few quid a year than risk it.If that is true you have a claim against them for mis-selling. They will have records showing you said you had no burglar alarm, you should make a data subject request for all the information they have about you and they should send it to you. The quote system is automated so it seems unlikely they would have given you the premium for having had an alarm if you did answer 'no' but bugs happen.
Well, just to inform people from my own experience, Direct Line are the biggest steaming turd of an insurance company and I would never insure with them ever again. They dealt with a no fault claim of mine where I was injured in the most dreadful fashion.Point is, as in comment, to inform people based on your own experience.
When I took out my house insurance they asked the standard questions. Do you have a smoke alarm. I answered no. Do you have a burglar alarm? I answered no. They then proceeded to offer me a quote which I accepted. The small print said that the insurance was on condition I have a burglar alarm installed and I didn't spot that. Hence my advice to read and double read and triple read the small print. I would rather have insurance decline than have one offered with conditions to questions that I've already answered 'No' to. I'm currently with Direct Line. They asked the same questions. I gave the same answers and I have insurance with no qualifying conditions attached. That's how it should work. LV were investigated for exactly this and found to be wanting in how their website was designed. They redesigned it but I still fell for their trap.
Good lord! Hope you're ok now.Well, just to inform people from my own experience, Direct Line are the biggest steaming turd of an insurance company and I would never insure with them ever again. They dealt with a no fault claim of mine where I was injured in the most dreadful fashion.
LV on the other hand I’ve found very refreshing and helpful. They dealt with a claim where a piece of timber fell from a lorry and speared through my windscreen exiting through the rear window. It was painless.
So, my advice is don’t really go on anybody’s anecdotal experience with an insurance company, as these large ones will always have people who have experienced a horror story.
I am, thank you.Good lord! Hope you're ok now.
Aviva is currently the cheapest for me. Almost half the premium of the ones above. Then added the spouse which took another £50 off. Now, just need a car to insuretry mustard.co.uk
It returned for me with 3 quotes from Admiral, Elephant and Diamond
Gocompare gave me 5 quotes on-line for an ID3 that I don't yet have. Wow! From £1060 to £1463. Currently pay £701 for a Golf in London 30+ years driving, no points and full NCD.Has anyone managed to get an insurance quote for their ID3 yet? I've tried a couple of companies but neither of them list the ID3. Getting through to customer support at the moment is challenging to say the least.