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L&V how are they so cheap

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Old 26 September 2003, 03:31 PM
  #1  
solwood
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OK we sold our Scoob because we got fed up with paying £1200 a year to insure it. Ok we live in East London and it was parked on the road but we were 34 and 38 me Full NCD Wife no NCD as new to BRitian (americanm licences are only valid for 1 year in the UK). We had IT jobs and nothing else that made us such a risk. When we sold we were limited as to what companies would even insure us without a garage.

Just played on the L&V website and put our old car details in £775 (we are now 35 and 40 with 35 as the main driver) and I put the details RB170 up for sale on the board and it was just over 800 - The site has just gone down but these are seriously cheap quotes.

I am very impressed!

Gary
Old 26 September 2003, 04:28 PM
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Scooby96
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Yep and they dont give a toss about mods either unless the cubic capacity of the car is changed
Old 22 October 2003, 09:33 PM
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*scooby babe*
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yeh L&V are cool. Iv got a 1.2ford fiesta LX as my first car and i got a good quote from them. im now getting a 1.3 Ka brand new and its only costing me about £800 which i think is really good as its my first year of driving, i have not recieved any no claims becuase i not been driving a year. and im only 18 years old. Bargin. Hopefully when i can afford a scooby in a few more years, i will be giving these guys a ring.

*scooby babe*
Old 23 October 2003, 04:40 AM
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corradoboy
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Superb prices. Just saved me £196 on last years price and £240 on this years renewal.
Old 23 October 2003, 06:59 AM
  #5  
NACRO
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Liverpool Victoria saved me about £400 over Tescos who also insisted I fit a tracker- nobbers.
Old 23 October 2003, 04:21 PM
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TAINTON
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Just done qoute with LV on uk subaru inc PPP and came back with £780-£840 on there website which I thought is good.

Can anyone tell me whether LV do monthly DD's or is it one off payment???

Also is there much difference between qouting a garage/on the road?

For the record closest qoute to LV has been Tesco but they wanted £1050 with Tracker!

Old 23 October 2003, 05:02 PM
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simb 2
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Time to do the sensible thing....buy another scoob

simb
Old 23 October 2003, 05:13 PM
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L&V do monthly payments, i think you pay a certain amount for the first 2 months and then u pay 10 monthly dd's!
*scooby babe*
Old 23 October 2003, 05:21 PM
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RB5320
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As for why are they so cheap, my understanding is that unlike other companies, they do not employ an army of underwriters and because of this they can offer lower quotes. This is why they do not bother about modifications - they don't have the underwriters to check how much extra they should charge for each mod.
This is what they told me when I asked them how they could quote less than half the price of everyone else for my 944 Turbo.

Steve
Old 23 October 2003, 06:02 PM
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TAINTON
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Bargain Monthly payments with LV im not complaining.
Old 24 October 2003, 02:34 PM
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Neil W
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Could someone please post LV's website address.

Thanks
Old 24 October 2003, 03:01 PM
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TAINTON
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http://www.quotesearch.co.uk/liverpool-victoria-car-insurance/

here you go
Old 03 November 2003, 05:56 PM
  #13  
jason4656
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this is from liverpool victoria website quote online


We cannot insure:

Motor cycles, vans, pick ups, minibuses.

Cars which have not been manufactured for the UK market e.g. Japanese imports.

Cars which have performance enhancing modifications.

Cars which are used abroad for more than 180 consecutive days.

Cars which are in excess of £100,000 in value.

Cars that are registered and normally kept outside of mainland United Kingdom,
the Isle of Man and the Channel Islands.

Drivers outside the age range of 17 and 79.

You, if you live in Northern Ireland.

Non mainland UK residents.

so whats all that about?

Old 25 January 2004, 06:05 PM
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sulli
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L&V just sent my renewal - over £900!!!
I am 31, have 7yrs NCB, 2 SP30s and no accidents.
I keep the car in a garage, it has loads of security.
Therefore, L&V are taking the ****.
Been phoning around today, Norwich union Direct are cheapest so far at £750 ish. Not cheap enough for my liking though, hoping to find better - any recommendations?
Old 28 January 2004, 07:15 PM
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scoobymouse
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L & V wouldnt quote me on uk turbo (r reg) I am 23 have 4yrs ncb drive an impreza 2.0 sport now and a quote on that is 807 - 879 i only pay 550 at the moment with only 3 yrs ncb, with adrian flux at the moment
Old 04 February 2004, 02:20 PM
  #16  
fuz
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I'VE GONE WITH L & V they quoted me £832 TESCO want £1043 with 7 years no claims
Old 04 February 2004, 05:38 PM
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From the LV website:

There are a small number of circumstances where we can not provide a quotation, to save you time, please read through and confirm that you agree with the following:

* You are the owner, main user and registered keeper of the vehicle
* You and any other driver are under 80 years of age
* You are resident in the UK
* You or any other drivers of your vehicle have not been banned from driving in the last 5 years for any reason except for a single speeding offence
* Your vehicle is classed as a private car (not a van, Pickup or Minibus) and is registered and normally driven in the UK
* Your vehicle has been manufactured for the UK market, e.g. it is not a Japanese import
* Your vehicle does not have any performance enhancing modifications.


Last one clearly says no mods?
Old 06 February 2004, 05:12 PM
  #18  
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Liverpool and Victoria are wicked

For my first car a 92' Subaru Justy 1.2 GL II, before i passed my driviing test i got insured with them for £930 fill comp which was cheaper than third party... but i had to become a CSMA member through my dad as he is a CSMA member, so i could get my insurance cheaper

...a year on and it is now £740, but i do not have the car now. hoping to get a impreza 1.6 gl saloon/estate as that is the biggest engine size i am allowed and gan get insured for in my second year of NCB

P.S. i'm 19 years old!!!!!!!
Old 06 February 2004, 06:33 PM
  #19  
Chip
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L/V will insure mods. Ive got my UK Sti Prodrive PPP with them.

They are also excellent if you have a claim.

Chip.
Old 06 February 2004, 09:38 PM
  #20  
carlywarly
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L&V 4 me,8 yrs NCB,1 accident,37 years old,garaged,full comp,protected,declared HKS induction & sports exhaust(scorpion de cat).£618,chuffed 2 bits....
Old 06 February 2004, 10:20 PM
  #21  
lordharding
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me and the misses 30 somethings

garaged
good postcode
protected and max bonus etc



£399
Old 07 February 2004, 06:12 PM
  #22  
KGB
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Got a quick quote from there site for wife and me on P1, came in at £622 to £688. Stunning!

Phoned to confirm, told me they would'nt cover wife due to age (28) and that cover for me only was going to be £885. WTF?

Went from being really impressed to really depressed with one quick phone call!!

Recommend phoning for quote as net quote don't seem to be very accurate IMO.
Old 07 February 2004, 09:36 PM
  #23  
MarvSTi5
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£627 on STi5 - 7 years NCB (couldn't prove 9 years - that would have made it £571). Over a £100 cheaper than renewal quote with old company and now got protected no claims!!
Well chuffed
Old 07 February 2004, 10:51 PM
  #24  
scooby_jim
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Unhappy Warning about L & V!!!!!!!!!

L & V Will NOT!! insure you if under 30 and own an MY01+ WRX!!! I tried to quote from them last year (28 year old + 10 years NCB) and they wouldn't quote!!! Tesco's are best bet if in similar position to me IMHO!

Classics are OK though even if they are STi's etc!!

Jim
Old 08 February 2004, 12:49 AM
  #25  
PhilA
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you have to be 25 for a classic.
Old 08 February 2004, 01:19 PM
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Nick200
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Sods wouldn't insure me and the missus on an import so I went to tesco's who were more than happy.

800 fully comp for a uk with L&V me 30 missu 26
1150 fully comp for wrx with tesco ' '

L&V wont insure the missus because she's not 30 they said??????
But they did on my uk. *****

Last edited by Nick200; 08 February 2004 at 01:20 PM.
Old 09 February 2004, 12:21 PM
  #27  
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Just changed my insurance to them from CIS and saved £550

Well chuffed. Reading through the cover and looks quite good as well

Always helps when you cut the middle men out and deal directly with an underwritter I guess
Old 09 February 2004, 12:45 PM
  #28  
Richard Askew
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Me 25. Rural WR postcode. Sp30 and SP60

Unmodified MY99 UK car with Tesco = 1600 UKP down to 1200UKP this year

Rang L and V the other day:

MY99 with the following

Full Decat
Induction
Link ECU
TD05 Hybrid FE
Brembo/AP brakes
Coilovers
Rollcage

988 UKP

Thanks to Gemma @ L and V - will be calling you on renewal day LOL
Old 09 February 2004, 04:20 PM
  #29  
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Angry 30+ on a new WRX

Keep reading about all these Cheap quotes but not 30 until May and L&V don't want to know.
Old 10 February 2004, 02:13 AM
  #30  
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I'm 32, 3 years no claims and last year with privelige i paid 1400 on a series mcrae. Damn cheapest compared to others which were in the region of 2000 plus! But after reading on here about LV i gave them a ring Monday afternoon and the price.......936!!! I received a call from another insurance company who said they could do it for 830, but they put the car in as a normal 4wd impreza turbo, when i said it was series mcrae woooooooosh, up to 2000 again! so i promptly called LV back to double check they quoted under a series mcrae and they had! They quoted me happy even if it was a different company!! Very happy bunny at the mo!


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