Lloyd & Whyte Community Broking Avis 

Helpful and informative

Fully explained everything that I ask of the person.Excellent service as usual.

I would recommend this company to any one I know Keri and Chris have looked after my business insurance for the last 5 years,they go out of there way every time I have a problem,I was broke down on the sale of the motor late at night and one of the team pasted me and phoned me to ask if I was ok and to make sure I have the recovery number on hand

Margaret you are so helpful what ever I ring about. Holiday and Car insurance, and put my mind at rest.Thank you so much.

great service as always from keri. kept me updated through the renewal process. Did all the work for me.

excellent service Keep up the good work

I suffered a horrendous experience with my vehicle, felt I had a claim as two garages had given the car a green light before I embarked on my long journey which ended with a smoking bonnet and a deceased mode of transport. Julie at Lloyd & Whyte Llanelli dealt with my claim. She is a veteran of the insurance brokers in its days as DCAJ before its insurance arm was acquired by L&W. She wasn't judgemental but listened, asked a few key questions and raised the claim in my presence within quarter of an hour of my turfing up at the offices. L&W are brokers and the policy was with Ageas. Over the following weeks, as the claim progressed she would prompt them for updates which were passed onto me by text unbidden. I very much appreciated that personal touch.
Not going to lie, but in my opinion as there was no other vehicle involved in the claim, I had been in to minds about even visiting the offices of what was DCAJ. But so outraged was I about the fact that I had spent a total of £1,240 (!) at two garages shortly before that fateful day, on new brake pads & tyres and had received a reassuring vehicle report back from one, that I felt hard done by and a potential victim of inadequate checks. Not to criticise the mechanics, but perhaps the process requires enhancement. I mean if people can be X-rayed then why not cars ? If a detailed lookover is not comprehensive enough to pick up on a looming issue, then in the aftermath of my pickle and that suffered by thousands of other ordinary people in the same predicament, then let's add extra checks. The car had been left in the hands of one garage for two days. On the other hand, if the issue is indeed so sudden and out of the blue - and that was what my claim was predicated upon - then to my mind that is equivalent to a collision and may have been triggered by some object on the road. But what do I know? I'm just a layman in all this.
The AA transported the vehicle back from Lincolnshire to Llanelli and deposited it with the second garage, who had kindly agreed to take a look see. The day of the incident I headed back home via taxi & train as the AA pickup truck which would have taken me home did not read the updated location details so missed me. That left me out of pocket by up to £300, not something I would bother L&W with. Ageas had someone collect the undrivable car from the garage and eventually I received a call from the analyst. I dutifully listened to his findings. In the meantime Linda had been updating me by text.
At the end of all this I received surprising welcome news. Not only did I have to pay for the vehicle disposal but I would be paid the value of the vehicle minus a small excess. The analyst attributed the problem to the engine, so I suppose the car would be roadworthy if that were replaced. Nevertheless I assume the vehicle would be scrapped.
My visit to L&W was made a few days after the incident and settled about four weeks later.
I am not writing this review to encourage rogues to chance their arm. I am not a serial claimant so I hope I am not subsequently blackballed sometime in the future for a claim made in earnest. I cannot recall exactly the last time I made a motor claim, I think it was in July 1990 when the front windscreen 'bubbled' in severe heat. Not the same vehicle by the way (!).
The claim was for a small vehicle which had no issues, was admittedly 11 years old but had only done 71,123 miles. Not customised in any way or previously involved in any mishap or suffered damage, purchased from a reputable dealer of much local renown.
I still feel aggrieved that the garages did not detect the issue. I visited them both after the incident. The first was Wh**es of Llanelli with whom I'd exclusively entrusted my MOTs [1] ever since I purchased the vehicle from Gr**ells in 2017. They put it all down to the age of the car and that someone who'd serviced it in the past might have not serviced the car as they should. Duh ? see [1]. The second was H**fords Autocentre in Llanelli who agreed to examine the vehicle after the event and found holes in the engine casing, information which they passed on to Ageas. I could see how my return visit might have been unwelcome to mechanics who'd spent time on the brake pads & tyres, even explaining to me what they had done prior to the mishap.
I'd like to think we can all learn from this experience but in the end it's down to me. Now I have forked out for a vehicle with a larger engine not stressed out by long journeys. The previous car had a mere 1 litre engine so on reflection a gamble to assume it can cope with such a challenge, even if driven reasonably.
All in all a bottle's worth of bitter medicine sugar-coated by the combined professionalism of DCAJ/L&W + Ageas. To me it serves as a perfect example of why a local office & its team of approachable agents is infinitely preferable to internet offerings. Personal touch counts. Diolch!

Thank you to Keri Lugiano for her fantastic service once again. Would totally recommend Keri to deal with any insurance requirements she is helpful and friendly and always goes the extra mile. Thank you

It is always easy to renew my policies, Steve always seems to get me good prices for my insurance

Having the same people to speak to in person brings us back year after year after year. Excellent service

It is such a pleasant change to call and to speak to a real person who knows who you are straight away. A professional and efficient service which also saved us money.

Excellent, prompt and professional customer service

I was on holiday and my renewal was due .so I spoke to Teresa and she sorted it all for me and kept me informed whilst I was away thanks

Keri is very helpful, thank you

Neena was absolutely amazing, great customer service, very professional and couldn’t do enough to help me - nothing was too much trouble a real asset to Lloyd & Whyte.

Excellent service by this company & Theresa John has been very patient, kind & professional with me. I can honestly recommend this company to you.

Don

Alwaya excellent service particularly Margret who seems to run the office.I have renewed my policy for several years quotes competitive always

Keri was just her normal amazing self thorough, professional and helpful
We needed insurance for a new vehicle which I’d left until last minute, Keri sorted it for us without any issues. Thank you Keri you saved the day

After being given the number off a outcasts custom and hotrods car club. These came in very competitive in the price and all communication through Teresa has been clear and concise with any questions or queries quickly answered or followed up.