FINANCE AND INSURANCE

At Lexus of Adelaide our dedicated finance and insurance managers will ensure you choose the right overall package to suit your individual business needs and your busy lifestyle. You will benefit from our extensive knowledge, vast product range and general commitment to making your purchase experience easy and memorable.We take to the hard work and effort out of arranging finance and insurance as it is all done in house which means that the only thing you need to think about when you come to take delivery of your new Lexus is “where do we drive first?”.

FINANCE

Take advantage of our knowledge and allow us to assist you in making the right decision about your finance options. Talk to us about the flexible payment options we offer to suit seasonal or irregular income patterns, as well as our specific options for self employed workers and salary packages.Sit with our Business Managers and compare your many payment options, as we can often alter the term, residual payments and deposit amounts to suit your individual requirements. From our range of business loan arrangements as well as private purchase options, we will tailor a package to meet your needs.

INSURANCE

Lexus of Adelaide is committed to keeping your vehicle looking and feeling like a brand new car. Therefore we are able to offer you a range of insurance products which not only have your vehicle repairs carried out by a Lexus Approved Repairer, but ensure only Lexus Genuine Part and Accessories are fitted to your car.Contact us today to compare your existing insurance policy and we will ensure you have the right insurance cover for your Lexus.

FIRE INSURANCE

About Fire Hazard Insurance
Banks and lending institutions require that a fire hazard insurance policy (*) be in effect when you take title to your new home. However, even if you are making an out right cash purchase, you would want your investment protected from the first minute you own the property. The adequacy or inadequacy of insurance protection is determined by present day replacement cost of the dwelling being insured. Please! Do not confuse insurable value with the purchase price, it is not the same, it would be wasteful to buy more insurance than you need but far worse, inadequate coverage can be costly to you even if you have a small loss. We will be happy to assist you in making your decision of how much coverage is needed for your home. Other common requirements may be:
1. An original insurance policy or insurance binder. 2. A mortgage clause stipulated by the bank or lending institutions naming them as mortgage must appear on the insurance documents. 3. A paid receipt for the first year's premium. 4. They may even want possession of the insurance documents before they set a closing date. As the owner and occupant of your home your insurable interest are different than the mortgage. To accommodate the differences homeowners insurance replaced the old fire hazard insurance policy. The most commonly written homeowners policy today are Special Form /or/HO3. Homeowners insurance offers a package of coverage's. For it includes protection against several types of losses at a great discount. * (Min. of broad extended coverage)

FIRE INSURANCE

About Fire Hazard Insurance

Banks and lending institutions require that a fire hazard insurance policy (*) be in effect when you take title to your new home. However, even if you are making an out right cash purchase, you would want your investment protected from the first minute you own the property. The adequacy or inadequacy of insurance protection is determined by present day replacement cost of the dwelling being insured. Please! Do not confuse insurable value with the purchase price, it is not the same, it would be wasteful to buy more insurance than you need but far worse, inadequate coverage can be costly to you even if you have a small loss. We will be happy to assist you in making your decision of how much coverage is needed for your home. Other common requirements may be:
1. An original insurance policy or insurance binder. 2. A mortgage clause stipulated by the bank or lending institutions naming them as mortgage must appear on the insurance documents. 3. A paid receipt for the first year's premium. 4. They may even want possession of the insurance documents before they set a closing date. As the owner and occupant of your home your insurable interest are different than the mortgage. To accommodate the differences homeowners insurance replaced the old fire hazard insurance policy. The most commonly written homeowners policy today are Special Form /or/HO3. Homeowners insurance offers a package of coverage's. For it includes protection against several types of losses at a great discount. * (Min. of broad extended coverage)Fire InsuranceEnjoy 15% discount online.
What is Fire Insurance?
Fire Insurance covers your home's structure, or fixing and fittings, against hazard and provides you with the financial resources to replace what you have lost, so that you can get back to normal as soon as possible.
Features
Apply online now and receive a 15% discount on the first-year Fire Insurance premium and instant approval
Choose from 2 fire insurance plans with different coverage levels according to your needs. Receive coverage from fire outbreak, lightning and the loss and damage resulting from typhoons, windstorms and floods.
Risks such as landslides and subsidence are also covered.
Please refer to the DICTIONARY for exact terms and conditions and details of the exclusions.
What else should I know?
Fire Insurance

BUILDING INSURANCE

Exclusive Online Offer: 35% Discount on Buildings Insurance
Get a Building Insurance quote which includes:
Unlimited buildings sum insured, so you'll never be under-insured should the worst happen
Up to 30% no claims discount
The option to pay monthly at no extra cost
Get an online Buildings Insurance quote from Halifax Home Insurance with a 35% discount when you buy online.
Over 1.4 million customers already benefit from our comprehensive cover and it's easy to see why. We offer:
Cover for storm and flood damage
Cover for subsidence and/or heave of the land on which your building stands
An additional 5% discount on buildings and contents insurance if you buy them together.
Telephone and Branch Offer: Get £50 Now and Every YearWe also have a fantastic deal for customers who buy over the phone or in branch. Purchase building and contents insurance Below are some points to consider when requesting home insurance quotes:
There are two main types of cover—buildings insurance, which covers the actual building you live in, and contents insurance, which covers the possessions in your property;
Ensure your home insurance quotes include cover for the full cost of rebuilding your home in case it is completely destroyed;
Check that any additional buildings, such as outbuildings, greenhouses and garages, are included in the home insurance quote;
Find out if the home insurance covers you against fire, flood, theft, subsidence, accidental damage, damage to cables and pipes that service your home, and falling trees;
When asking for home insurance quotes, you may want to include optional extras, such as cover for money, bicycles and legal expenses—these will all make your quote more expensive, but you may consider the extra cost is worthwhile;
Ensure your home insurance includes any accommodation costs you may need in the event of your home becoming inhabitable due to events such as fire or flood;
Some insurers offer free home emergency assistance as part of the policy;
Make sure your contents insurance covers the total cost of replacing all the possessions in your home;
Check that the home insurance provider will replace any items in your home with brand new items of the same standard;
Home insurance companies will require separate cover for any single high-value items, so be sure to list these otherwise their full value will not be covered;
Ask about the home insurance company's policy for high risk items (items that are often stolen such as jewellery and televisions);
You can opt to have personal belongs that you take away from the home, such as jewellery and watches, included in your home insurance quote for an additional fee;
Find out about discounts offered by the home insurance company—taking out a joint buildings and contents policy, having locks and alarms that meet the insurer's requirements, being over a certain age, or choosing to pay a voluntary excess in the result of a claim can all reduce your home insurance quotes. together and we’ll give you £50 when you switch, plus a £50 thank you every year you stay claim-free. Give us a call now on 0800 169 9361, quoting reference TY50, or pop into your local branch. This offer is not available to buy online. This cover will differ from online policies.

CAR INSURANCE

Top tips for getting a cheaper car insurance quote


Fit an alarmFit an approved alarm and immobiliser, such as a Thatcham 1 or Thatcham 2. All improvements to security should help to lower your car insurance costs. Some insurers could even insist on sophisticated tracking devices before they will insure expensive cars.
Change your excessChange the excess you are prepared to pay on any claim to reduce the premium. With voluntary excess the more you are willing to cover yourself in the event of an accident the lower your premium.
Check your mileageCheck your mileage to make sure you are not paying extra for miles you are not covering in your car. If, for example, you change jobs and have a shorter commute to work you could be saving money. Try and work out how many miles you will genuinely cover - but don't get it wrong as inaccuracy could jeopardise your claim.
Minimise your optional extrasOnly select to have a courtesy car or legal expenses if you really need them, as they may increase your premium. The less your motor insurance company has to provide in the event of an accident, the lower your costs.
Be careful where you parkKeep your car parked in a locked garage overnight if you can - this can help reduce the premium. More than 50% of vehicle thefts occur during the night so if your car is safely locked away it makes sense that your insurance costs will be reduced as a consequence. If you don't have access to a garage, then parking on a driveway is generally considered a lower risk than parking on the road. It's less likely that vandalism, theft or accidental damage will occur when you're off the highway.
Pass Plus
If you're a new driver looking to get your first car and car insurance we'd highly recommend that you take your Pass Plus in order to reduce your premiums. The Pass Plus certificate can only be obtained within the first year of passing your practical driving test.
You'll be taking 6 lessons where you'll become competent in the following areas:
Driving in town
Driving out of town
Driving in all Weathers
Driving at night
Driving on a dual carriageway
Driving on a motorway
There is no test to take at the end of the course. When your instructor is satisfied with your performance you will receive a certificate from the Driving Standards Agency (DSA).
This certificate you will earn you large discounts with a whole host of insurance companies participating in the Pass Plus scheme.

BIKE INSURANCE

Want to insure your bike for a month at a time?
Then why not get yourself a Pay As You Go motorbike insurance policy.
You can even earn 1 years No Claims Bonus after just 8 months. Get a great quote online 24/7.
Quote online now
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Modified Bike Insurance
Looking for cheap modified bike insurance?
If you're riding a modified bike and need to find a broker to insure you then look no further.
You can grab some of the UK's lowest insurance rates for modified bikes right here.
Quote online now
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Claims And Convictions
Do you have a claim or conviction on your license?
The specialist Bike Insurer comparison team can still help you find low cost motorbike insurance, whatever your circumstances.
Speak to one of our team and save money now.