Liverpool Victoria Household Insurance

bernard_brookes

Hi

Has anyone taken out a buildings and contents insurance with them before?

It's just that I've done an internet search and then used Martin's recommended scrapers and they come out very cheap.

My renewal from my broker was about £480, which I knew would be beaten by most of the internet insurance providers. But Liverpool Victoria came out with £240.

Even Barclays with their 'beat the renewal' offer only came up with £680.

So what's happening?

Details: Post Code: SE25 6PN Buildings: £250k Contents: £35k

peterg1965

I think that Liverpool Victoria are reputable company. Have you tried putting your details through confused.com ?

ice_babe

Nothing worng with liverpool victoria, had our car insured with them for 4 years, were very good when I made a claim 3 years ago too!

jennifernil

We have 2 cars with them, very good prices.

Annie_pips

Hi

We put our details through confused.com and they came out the cheapest for more cover than we had previously. We have buildings and contents insurance with them.

bernard_brookes

Well I've taken out buildings & contents with them, unfeasibly low premiums. I've checked the online policy documents and everything seems ok.

However they don't ask the normal questions, like how long I've had insurance, whether I've claimed, criminal convictions etc etc like all the other sites do.

So does this mean that they don't really care or are just taking any business and does that bode well for the future viability of the company.

oldwiring

Liv Vic hasbeen around for years, originally as a Friendly Society and is a very big and substantial organisation. They have a large clientele via affinty groups like civil servants, via Civil Service Motoring Association. Thy also own a large broker, Frizzell, which is involved heavily in that side of their business.

With its pedigree I would not be as concerned about its viabilty as with some.

Traceie_Lou

My dad you with Liverpool & Victoria up until a month ago but now he has cancelled his policy and moved elsewhere due to the fact that just before Christmas he put in a claim the roof had been leaking following high wind and heavy rain. Liverpool & Victoria sent out someone to look at the roof and the next thing he heard was no they where not going to pay out as they had check there weather database and were unaware of any storms in the area around the time the damage was done. My dad got a independent roofer out to take a look and he say it was deffiantly storm damage, Liverpool and Victoria where not interested and there decision stood.

melbury

I've had buildings and contents insurance with them for the past few years, their premiums are very good compared to others. Also I like the fact that they offer blanket cover - up to £500,000 for building and up to £125,000 for contents - so you don't have to try and work out rebuilding costs and value of your goods etc yourself.

Mind, I have never had to make a claim from them, but hopefully it would be OK if I did.

oldwiring

melbury wrote:

I've had buildings and contents insurance with them for the past few years, their premiums are very good compared to others. Also I like the fact that they offer blanket cover - up to £500,000 for building and up to £125,000 for contents - so you don't have to try and work out rebuilding costs and value of your goods etc yourself.

Mind, I have never had to make a claim from them, but hopefully it would be OK if I did.

I'm not with them now as I mo longer require the levsl of cover. However when I moved house 4+ years ago the removal firm damaged our dining suite. I had accidental damage cover. LV dealt with it very efficiently and at renewal there was no question of a premium loading. Also in thattime whwre you are under contravt to buy they fid not ask for affional money to vover both the old and the new property, or make any other admin charges.

mintymoneysaver

I have just found them the cheapest reputable company too using Martin's tips, £368 for renewal with zurich, £223 with Liverpool Vic.
Even with quidco offers I can't do better than that so I will be swopping to them ASAP!