Just thought I'd share my insurance quote with the board so you may get a laugh.
After a couple of false starts I've managed to do the deal on a 2015 RX450h, picking up this week.
My insurance quote from Lexus Insurance was £3K.
I'll be 38 next month, driving nearly 20 years. I've got 10 years NCD and no accidents or convictions in the last 10. My girlfriend has a fault claim and an SP30 from last year but it didn't seem to affect the quote that much, she drives a company car which I also drive. 8000 miles a year as I work from home and don't need to commute.
We live in a reasonably good area with low crime (although it's NE which I realise puts the prices up a little). I wish I'd not bothered with the Lexus and gone for an Audi S8 instead :) :) :) :) :)
I've managed to get a much more reasonable (if not somewhat more expensive than I expected) policy from Aviva for £600. I tried Adrian Flux for the Gold Members discount but they came back at nearly £1K and were pretty rude on the phone.
Hopefully it's all worth it!!!
Someone left a nasty dent and scratch in the corner of the front bumper of our RX450h (pics to follow). Sigh. This is a week after someone left a scratch on the corner of the rear bumper and along the rear wing. Double sigh.
I am wondering whether or not to get it fixed at my own cost... or claim on my insurance which currently has maximum no claims and protected bonus.
Is there a threshold above which an insurance claim becomes the more cost effective option?
Also, I am tempted to go to Lexus as, in my experience, their standards are pretty high.
Should it matter, our RX450h is velvet black, i.e. non metallic.
Would appreciate any advice.
My insurance has offered to insure my tyres against accidental and malicious damage, at a cost of £89 for year
This entitles to 4 claims per year.
Tyres must be legal and cost less than £250 (they do a similar policy for tyres that are over £250, but the premium rises to - I think - £109)
Excess is around £30
You can claim as soon as the policy has been paid for and activated, which means that you could take the policy out and claim against it the day you have a puncture.
Seems like a no brainer but...
Hi - am a long time LS400 enthusiast and owner.
Just bought a new 1997 to replace a 1996.
As if that is not enough to annoy the wife (who hates the mpg, not the car) I have further worsened relations by buying a 1993 Soarer SC300 as well...... it was just too interesting to pass up on !!
Now trying to arrange new insurance and failing to get any sense.
Being retired I can commit to 3000 miles / year total for both.
Unfortunately this scenario does not fit the usual broker boxes for ticking - trying to arrange new insurance for one owner / one driver to cover both cars and failing to get any sensible response.
The Soarer, being 1993, also classifies as a "classic" - that's another spanner thrown in......
Would welcome any comments, guidance, recommendations, etc, from any member who has faced this situation and achieved a satisfactory solution.
Any help would be greatly appreciated.
My insurance is due for renewal and I have started looking around at various providers.
I have been offered £368 (fully comprehensive + protected no claim + courtesy car) from my current (online) provider, which I do not think is a bad deal, following an own fault accident 4 months ago.
Do any of you recommend Lexus' own insurance?