Privilege Car Insurance

Had both our cars insured with Privilege for a few years. My husband had an accident yesterday. The car in definitely a write off. Never had a claim other than a windscreen. How are they to deal with in a claim situation. The assessor is coming out to see the car "hopefully this week".
I know I'll get what the car is worth, I'm thinking more along the lines of if anyone has had to wait ages for a settlement or had problems getting sensible figures from them. The insurance was comprehensive.

i work for an insurance broker. best thing to do before hand is start looking for similar vehicles make model year and mileage and see what type of prices they are going for. if you can, find prices from garages rather than from private sales as these are usually higher. print these prices off, about 5 will be fine. you shouldnt wait that long for an offer. he will need your hubbys driving licence, v5 and mot before he makes an offer though so get these ready before his visit or send them by recorded delivery to your insurers in advance so this doesnt hold things up. many people say never accept their first offer, but this is rubbish. if you are not happy with the first figure you receive then you can refuse it but they will then require proof that if you were to buy the same vehicle today, you would have to pay more than what he is offering (hence why i said to start looking for prices now). you can expect his report to be submitted within 7-10 days to your insurers. so if you havent had an offer by then - then ring them until you get your offer. also, once you have accepted the offer and all paper work has been received (v5 etc) the insurers have a maximum 5 day turn around on getting the cheque issued. that means you should get your cheque within approx the next week. many customers dont know about hte 5 day turn around rule, so point it out to them and it should get them moving.

2008-08-11 11:22:24 by Thunderdog

Privilege Car Insurance Advert starring Joanna Lumley.

I am due to renew my car insurance and have had a quote from Privilege 25% cheaper than my current insurance. Have you used them and if so can you recommend them?

I've used them for the past 3 years - no one has yet beaten them for price for me without adding conditions I won't accept (and even then its only been about £20).
I've never had to make a claim, so can't comment on their claims procedure, but have found their customer service staff to be helpful. Their additional charge for taking the car abroad on holiday has also been reasonable, and I've also taken out their European Breakdown Cover for some trips, as that has also proven to be good value.

2007-03-14 11:25:09 by Elsie

I’m going to turn 17 soon and thinking of buying a car and really want a BMW. I know I cannot get it because the insurance will be ridiculously high or simply will not insure me so I was wondering if I get a really rubbish car (1 litre or something) and get it Fully Comprehensive this should give me cheap insurance and the privilege to drive another car (so I heard) like my dads BMW and I want to know if this is possible for me and any background information about this will be appreciated!
i was thinking of buying 2 cars..

1 rubbish one wich i will be insured in
and
a good 1 wich will be under my dads name.

Yes you can, just make sure it's in the policy before you buy it. Basically if your dad trusts you enough to let you drive the car then that's good enough for the insurance company. Do bear in mind that you will need the owners permission or the insurance will be invalid. Also it will be third party only, i.e. if you are involved in an accident and you are to blame the insurance company will only pay out to the other party, you or your dad will have to stump up the money to get his car fixed.

2008-10-15 14:48:40 by Mr Smooth

Life, Liberty and the Pursuit of 'Free' Health Care
Every new 'right' the U.S. government has promised has turned into a massively expensive failure, yet the media continue to cheer supporters of tax-funded programs.


Americans are obsessed with rights. We always have been.

But the concept of rights our forefathers laid out in the Declaration of Independence has changed dramatically. Those rights – life, liberty and the pursuit of happiness – were acknowledged to come from the Almighty, given equally to all people. Today’s rights come from Almighty Government.

Health care is the newest “right.” From presidential candidates’ universal plans to the return of HillaryCare to Michael Moore’s movie “Sicko,” it’s all over the media.

Calling it a “right” is an emotional argument advanced by those who want others to pay for their health care. They bring out the children and ask whether anyone can deny them the “basic human right” of health care – but don’t bother with the evidence showing how health care in this country would be harmed by government control.

A look at other modern “rights” might give us a clue about how well a new system would work. These rights started out as privileges, among them education and a paid retirement.

Now education is not only considered a right, it’s a mandate. How well has it worked? American students attend school at least until their teen years, but 15-year-olds ranked 24th out of 29 countries in aptitude for “real-life math problems,” according to The Washington Post. Literacy surveys suggest one in five American adults is functionally illiterate. And taxpayers keep shelling out money to fund the system.

Americans also cherish the right to retire – but we expect to be supported in our old age. Younger workers and employers are forced to support retirees, funding another right.

And how well has that worked? The poorly designed, outdated Social Security system is disintegrating rapidly as the number of retirees balloons. But once you’ve established a right, it’s difficult to take it away. The government, which promises such rights, must go to its sugar daddy – taxpayers – to keep the rights coming.

We’re already well on our way toward the health care right/mandate. Want to be more like Canada? It’s not that far off. Cato’s Michael Cannon has pointed out that third parties in America pay 86 cents of every dollar of our health care – about the same as Canada’s socialized system.

What we – or rather, those third parties – pay for health care is already determined by the government as well. Emory University medical professor Robert Swerlick has noted that “the pricing of medical care in this country is either directly or indirectly dictated by Medicare.” This market meddling even causes doctor shortages, he says, in needed areas of specialty.

Prescription drugs are already considered a right, thanks to political moves like the Medicare drug benefit and massive media support. A Business & Media Institute study found broadcast journalists treating prescription drugs as though they grew on trees. Overall, the coverage supported the idea that medications should magically be available to everyone at far lower costs.

Of course, the magic behind new “rights” is your money.

Cannon and fellow Cato expert Michael Tanner explained problems with tax-funded care in their book “Healthy Competition: What’s Holding Back Health Care and How to Free It.” If health care is guaranteed to everyone, how much does everyone get? Who decides who receives what, and how would the care be administered? What happens if everyone wants the most expensive treatment available?

“With the wide variety of medical tests and treatments that consumers may claim as their right, someone at some point must decide where the right to health care ends, lest the nation be bankrupted,” they wrote.

We’re well on our way toward that as well. Our “rights” to Social Security and Medicare devour about 40 percent of the federal budget. State and local property tax revenue, which normally funds education, mushroomed about 35 percent between 2000 and 2005, according to the Tax Foundation. We can’t afford any more “rights” like that.

But the left says tax-funded care is right for the children. Meanwhile, what becomes of them? They’re growing up in an America where the “rights” mentality is deeply ingrained, and the media continue to feed them with it.

When the children come of age, perhaps they’ll want the right to a job. They won’t remember that France already tested that idea for us, and it led to high unemployment and rioting. Perhaps they’ll guarantee Disney vacations for all families and force childless Americans to pay for it. “The pursuit of” will conveniently fade away as they look to government to guarantee happiness.

They will know less and less of a true right – liberty – and have no idea where it comes from.

Man how did you get such a long question on Y!A?

What is funny in this entire discussion is the socialists who want government control of health care will tell you that other countries do it so should we. Which reminds me of my mother, she used to chide me when I used such a phony argument was that if every one else jumped off the bridge would I also.

She was right, just because other countries have tripped down the path of socialism does not justify AMerica doing it.

No one in this country is without health care, anything to the contrary is just a LIE. YOu can get care when you need it, just go to an ER and they will care for you, and the most amazing thing about this one simple great feature of our country, you will receive care regardless of your ability to pay.

SO you see, this whole thing is smoke and mirrors, kind of like class envy. The socialists will tell you you do not get what those who have more money get, which is a LIE. Care is care.

2007-06-07 15:39:42 by GREAT_AMERICAN

My stepson is going to be 16 next month and will have his full privilege driver's license. I own the car he will be driving, and he will be on his father's insurance policy (his custodial parent) covering this car. What liability will I have were he to get in an accident? Would there be any problem with doing this? We have already verified with our insurance company that we can do this, but they didn't know anything about whether we would be liable for any accidents.

Brock C, For car insurance the quickest method to get a low quote is do a auto policy comparison. If you choose the same coverage levels, you can get an fast quote to compare against others. Use the same coverage area, car make and model, mileage and driving history to ensure you get an apples to apples comparison. To get fast auto insurance quotes, go to http://www.goodinternetdeals.com/Auto-In surance.html and you can compare the major auto insurance companies.

2009-01-30 11:42:34 by Brock C