Just thought I'd share my experience with a Broker who sells Specialty car insurance, Leland West.
they offer a lower cost alternative to the traditional Major carriers. they have restictions on Miliage, use, and storage of the vehicle. the Policy is restrictive, as is their customer service.
I felt, what a great idea for my Lotus Elan. I drive it very little and was paying StFarm $1400 year for coverage. I did an online quote and the costs from them was approx $450.
Well, once I got into it, the Premium rose to $688, add in a $42 application fee. I figured I was still saving 50%.
the Point of my Story, I have not felt so Spoken down to, and the there are more HOOPS to jump through than in the NBA. They wanted Proof of Coverages for my other cars. They wanted photos of my car, they wanted photos of my garage. I obliged. They wanted my GF excluded from my Policy. I agreed 100%, I wanted her excluded as well. Then they wanted her Insurance Documents. I argued with them, she is excluded, why does she need to provide you with information? If she drives the car and wrecks it, you are not liable for anything. I understand.
then I got my Policy, they had my DOB wrong, they had the Coverages wrong. It went on and on, and NO ONE there listens to you. They have an agenda and they block out any rational discussion. There quoted rates differed from what I was being given, then what was on their website. They wanted ME to fax THEM, their own QUOTE. They kept putting up ROADBLOCK after ROADBLOCK.
It was almost like they didn't care if I cancelled. I took this as a sign that in the event I needed them, I had ZERO confidence they had my back.
I cancelled today and am now back to paying double at State Farm who welcomed me back with OPEN ARMS.
SORRY FOR VENT!, I feel better now..........
they offer a lower cost alternative to the traditional Major carriers. they have restictions on Miliage, use, and storage of the vehicle. the Policy is restrictive, as is their customer service.
I felt, what a great idea for my Lotus Elan. I drive it very little and was paying StFarm $1400 year for coverage. I did an online quote and the costs from them was approx $450.
Well, once I got into it, the Premium rose to $688, add in a $42 application fee. I figured I was still saving 50%.
the Point of my Story, I have not felt so Spoken down to, and the there are more HOOPS to jump through than in the NBA. They wanted Proof of Coverages for my other cars. They wanted photos of my car, they wanted photos of my garage. I obliged. They wanted my GF excluded from my Policy. I agreed 100%, I wanted her excluded as well. Then they wanted her Insurance Documents. I argued with them, she is excluded, why does she need to provide you with information? If she drives the car and wrecks it, you are not liable for anything. I understand.
then I got my Policy, they had my DOB wrong, they had the Coverages wrong. It went on and on, and NO ONE there listens to you. They have an agenda and they block out any rational discussion. There quoted rates differed from what I was being given, then what was on their website. They wanted ME to fax THEM, their own QUOTE. They kept putting up ROADBLOCK after ROADBLOCK.
It was almost like they didn't care if I cancelled. I took this as a sign that in the event I needed them, I had ZERO confidence they had my back.
I cancelled today and am now back to paying double at State Farm who welcomed me back with OPEN ARMS.
SORRY FOR VENT!, I feel better now..........