smart insurance This is a topic that many people are looking for. bluevelvetrestaurant.com is a channel providing useful information about learning, life, digital marketing and online courses …. it will help you have an overview and solid multi-faceted knowledge . Today, bluevelvetrestaurant.com would like to introduce to you Is A Smart Insurance Policy Worth It?. Following along are instructions in the video below:
“Guys welcome back. I know it s been a long long time for the long long term subscribers and long term viewers. I just want to say before i jump this video thank you for those who ve been sending me messages and commenting on my previous videos where am. I what s going going we have a beam.
I just appreciate that you guys even think about me cuz. It s actually a nice feeling so thank you i know it s been a long time and busy with so many different things and also i didn t really have much fresh content that i really felt like posting. So therefore i haven t been uploading as frequent as previously now getting into this video. Obviously we re gonna talk about smart insurance as you can see on the title of the video.
So let s just go through. What is smart insurance now in general when you buy a car from a dealership. They always try and push you all different things insurances and all extras just to make obviously the most money they can from you so i m gonna talk about my experience that i had with that i have with this car. So if you don t know this is a store the fate of your rs.
I still have this car when i bought this car from the. Dealership i bought smart insurance with the car and i paid for it 599. So basically 600 pounds three year cover is a worth buying when you buy your car is it something that s waste of money so let me go through it depends really on the scenario. So this is what i m gonna talk about now so smart insurance that i have i paid as i just said five nine nine three a cover that s including li wheel scratchy scratches.
So there if i have a scratch on my ella wheel. I can call them the insurance company. They send down someone to come and repair the scratches on the bodywork of the car and wheels. Now there are exclusions so any flat surface of the car is not included in my policy.
Nothing in general most mark insurances policy so for example the roof of the car. If there s a dent on the roof. That s not covered or on the bonnet. Any flat surface is not covered.
So that s first of all another thing that you have to know because by the way with all these insurances so many terms and conditions and exclusions and excess fees. Which i ll get into a bit further into this video. So there are so many things you have to check because when you go to the dealership and they offer you the smart insurance. The dealership tells you yeah.
It s amazing thing they will come down to your house repair it with no time..
And it s both totally worth it take it because there were obviously want to push you this package. So they can make extra money now first of all one thing i want to say is when buying smart insurance from a obviously when you buy the car from a dealership. You can always push them down in the price. So the biggest regret.
I have but also really regret by loan from it so when i went with my friend to get his 63 amg. Which is obviously my last mid. You are posted you can check it here on this link. He bought the smart insurance and other very insurances and from 600 pound.
Which they initially told him they cover cost he knocked them down. Quite a bit almost half half. So almost just over three hundred pounds. So that just shows that there s always room to knock them down in the go.
She ate a better deal so that s number one you should know when thinking of buying. Smart insurance. Now. Another thing is always check the exclusions terms and conditions and access to excess fees because for example my insurance has a 10 pounds access fee for each claim which is a small thing it s not a big deal so that s decent.
But some may have more so you re always better off checking. It and not taking the word from the dealer because a dealer tells you you can do unlimited claims. And there is a total claim amounts of example. The whole policy is up is is what s the right word for it is worth up to 2000.
Pounds on claims with my policies so for example. If i call them out a couple of times and the total amount adds up to 2 grand for the work that s it i cannot do any more claims. So you have to check that as well because that s another thing you know you want to make sure that you were buying something worth. It s covered because as we all know many insurances are not worth what they what you pay for they just take your money and make things.
Difficult now. Another thing is with the company that i have now i have personal experience that i had a scratch on the front of the car and i call them down things went fairly smooth within two weeks maybe they came down repaired it i wasn t actually i m not actually happy with the job. It s quiet. I m neat job.
But it was it is better than before with the scratch on the car..
The whole reason why i m doing this video is because i actually have someone coming down tomorrow to repair all four la wheels. Which i ll show you in a bit because they re quite scratched up. I know from all these curbs so getting back in topic. You want to make sure you check the first of all you want to negotiate you want to knock them down in price.
So most likely they will go down in price. Second thing is you want to check the excess and a total amount of cover value now from buying the insurance now if i would go back in time and they would offer me 600 pounds with this policy probably now i wouldn t take it after this experience. Because the total value from my claims that maybe is maybe i would say 300 pounds and that s if you end up claiming. So you know you might buy this policy and not even do a single claim or you might buy a policy and and doubling a few claims so it all depends obviously no one knows right.
But in general. Most people have a curved alloy here and there and their little scratch here and there. But if you pay 600 pounds now even if you refurb all four alloys in my car. I can do probably all four alloys for 200 pounds for refurb they re not diamond cut.
So they re not really expensive so again. It s all depending how much you get the package for so. If you get it for example 300 pounds then i probably would purchase it but for 600 pounds. I m not too sure about it probably not i m saying it from my experience.
So this is just something that i thought i will share with you guys because people always get confused with these things you know with dealerships trying to push as many things as possible like gap insurance ty insurance now if you can get all of these insurances for a good discount then it s well worth it so you know edith just spoke about the e63. With my friend. Like he got all the insurances that dealership offers for a very good price are probably like half. The price that they initially asked for so that was obviously a good deal.
Because you know if you gather for a good deal. It s well worth it if you pay for price probably not worth it so don t be shy to try and negotiate a price in any of those when you buy a car from a dealership. You re paying a lot of money. The dealership is making nice profit of you even if they claim when we re giving you a very good price.
We re not making much money. It s a lie. No one does things free guys in the end of the days. It s all business.
So you have to not be shy and try and negotiate and put them down..
If you can for a better deal. If you want to go for these things now enough of me talking let me just show you the alloys now before the guy comes down tomorrow. And hopefully you will do them nicely. So let s go out the car and show you how the alloy is can you look first of all here s my car very dirty it s gonna be washed before the guy comes down and for those who haven t seen it while ya still here things are the same now you can see here the alloys not terribly this one actually.
But there are quite a few curves around and when it s black. It s quite noticeable the front one is a bit worse now the car is dirty. So you re not going to see them as much as they would stand out on a clean car. But yeah these are basically all my four alloys which i m gonna get them to come down this one is quite bad look at this kerb quite badly and here was the scratch.
I spoke about earlier that i d done a previous claim and let me just show you maybe guys will see it on camera. Maybe not but you can actually see paint drips if you look good now. I don t know if you guys will see it on camera and second of all the car is very dirty so. But if you look very close you can see a very unmeet job.
But it definitely looks better than before with this swipe. I had like a scratch at the corner. So better than nothing. I guess and this arrow here well quite bad look at them yeah especially if you live in london.
You will understand there s lots of curves. I know it could be avoided. Oh. It could be avoided it normally happens with lazy driving.
Let me get back in the car. So all these alloy curbs and stuff like that honestly i can only blame ourselves. Not the curbs because it normally happens with lazy driving tsar like let me just take a risk probably. I ll be fine and they end up getting their scratch.
You know like now can we bother doing another turn let me just go and you scratch them. But on the other hand is when you have this policy. You kind of know you don t care because in any of these no one wants to scratch the car even if they cover then come down to repair it it s a hassle. But you know it could be that when you have a policy in your mind you like less worried.
And just one thing before we end..
This video regarding. This subject. Some companies as well could be very difficult with doing a claim so they can like ask you for all different information. Make things very very difficult and then that really frustrates you because in your mind.
When you go to the dealership. They tell you yes. It s amazing insurance policy. They come down no problems no issues then when you actually need to make a claim they re so difficult and asking you for this for that for this and that and until they finally approve it which if they do approve it which is a whole hassle that is really annoying so again you have to research always like do a review search on the company of the policy.
So you want to make sure. It s a decent company not a company that s just going to take your money and if you end up doing a claim not payout or be very difficult anyways guys so hopefully i ll be back to more videos. I know it s been a long time i do apologize no excuses. I will try and do more frequent videos and thanks guys for those who have been staying with me long term subscribe long term viewers.
I appreciate your support and if you a new guy that just popped through this video. Please subscribe to my channel as you guys know my channel is based on more personal like experience stuff so i don t just do like flashy videos with nice cars and just showing stuff. I try and do like things that i like to learn that i experience that people can learn and like review. My own experience kind of thing so yeah thanks for watching guys.
I ll catch you on the next video. Please give this video a thumbs up. And if you want to see more videos like 3 3. 5.
5. Videos or talking about my next car. Which are still having both are not it s been a long time it s long do you. But if you want to have more info about all that please give this video a thumbs up and hopefully.
We ll get back into it and good stuff coming so thanks for watching. ” ..
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