pure insurance reviews
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Privilege Underwriters Reciprocal Exchange, which stands for PURE Insurance, is headquartered in White Plains, New York. Think of PURE Insurance as a high-net-worth insurance company that operates on a member-owned model. PURE portfolio of insurance products may not appeal to everyone, as those with significant assets may have particular insurance needs.
When it comes to insuring a luxury car, a yacht, a vacation home or domestic staff to take care of your properties, PURE Insurance has what you need. Whether you’re concerned about the security of valuable collections of art and jewelry, or you’re vulnerable to litigation from someone targeting your wealth, PURE Insurance may be the right option for your needs.
The auto insurance product from PURE Insurance is designed for high-net-worth individuals like all of its coverage options. The only customers who would receive full benefit from a PURE policy are those who can afford high-end or luxury cars. Check out PURE Insurance’s rating, coverage options, and availability.
Here are the coverage options for PURE car insurance.
PURE’s coverage options include liability, collision, comprehensive, and uninsured/underinsured motorist coverage. With commensurately high coverage limits, everything from vintage classics to expensive sports cars can be insured by this company specializing in rare and luxury cars. There are also some unique coverage options offered by PURE that may appeal to policyholders anticipating what the needs of a high-value or unique vehicle would be.
Discounts for PURE auto insurance are available.
Despite not advertising discounts, PURE claims policyholders can lower car insurance premiums by:
- Maintaining a higher number of vehicles than drivers
- While your child is away at college, keep their vehicle at home
- and limit driving your collector car
Each of these factors contributes to a lower risk profile, which is exactly what insurers like to see in their policyholders. PURE suggests you might be able to reduce your cost if you take steps to lessen your risk.
There are several options for car insurance
Among the standard coverage options offered by PURE are liability, collision, comprehensive, and uninsured/underinsured motorist. All types of rare and luxury vehicles can be insured with commensurately high limits. Everything from vintage classics to expensive sports cars can be insured. PURE also offers some unique coverage options that may appeal to policyholders anticipating what a high-value or unique vehicle would need to remain adequately protected.
Coverage at agreed value:
A car insurance claim payout is always based on the actual cash value unless replacement cost coverage is added. If your insurer deducts depreciation from ACV, you may not be entirely “whole” after an accident. If you have agreed value coverage, you and your insurance provider agree on a fixed amount for the insured vehicle(s) without taking depreciation into account, so you are sure you are receiving enough to replace the vehicle. This coverage is also provided by PURE without a deductible.
In the event of a total loss of your financed vehicle, lease gap coverage protects you financially. The PURE policy will cover the difference if the agreed value settlement does not cover the balance of your car loan.
Your PURE policy covers your property and liabilities anywhere in the world for up to 90 days.
Extended transportation coverage is available.
If you have a covered loss, PURE will provide you with a rental car. Hotel rooms, meals, and other travel expenses up to $5,000 are covered if your vehicle breaks down more than 50 miles from home. If you use this coverage, you are not responsible for any deductible.
Replacement parts must be original.
When your vehicle needs to be repaired, PURE uses OEM parts.
Insurance coverage for uninsured motorists
In the event that your vehicle collides with one driven by an uninsured driver, your collision deductible is waived.
Access to unlimited roadside assistance.
If your car breaks down, you need a tow, tires are flat, or you’re locked out, PURE’s 24-hour roadside assistance is there to help you.
pure insurance reviews – TOP 10
“Very Professional and easy to work with at all stages of the claim process from the call to report the claim tothe completion of the claim.”
“Very fair and they provide rapid processing of claims. Pure’s staff worked with us to address several claims and in every case they were fair and we are extremely satisfied. In comparison to other insurance companies such as Chubb, PURE is by far the absolutely best.”
“Their claim department is terrible! Filed a claim in May 2021, received a offer December of 2021 for 2/3 of the cost to replace my roof damage from hail. Beware!”
“PURE is the best. Clear communications, quick repairs and hassles free experience. Never a doubt about the process and the expected result.”
“My roof has valid hail damage, PURE has hired a Structural Engineer to fabricate a story about golf ball damage rather that replacing my shingles that have hail damage. I have had three independent roofers who are experts in their field, all three of these individuals have assured me that my roof has significant hall damage. Additionally, many of my neighbors have had their shingles replaced by other insurance companies who understand their responsibilities!”
“PURE goes beyond what normal insurance companies do to provide transparency and to offer me means to make my life safer. As a home owner in the northeast, the weather has been quite a bit unpredictable to say the least. Each time the wind is about to blow hard, PURE reaches out to ensure I have what I need to be safe. Additionally, their proactive risk management advice is amazing including their new tools to aid in the shopping experience for a new home. The company in general you can tell cares not just about me paying my premium, but that I am getting value in this relationship outside of when/if I have a claim.”
“Covered our loss because the car that hit us had very minimal insurance They paid the entire cost of my car”
“Quick, professional and fair resolution of claim. Our claim representative was knowledgeable, professional and detail oriented.”
“Pure exceeds in customer service. We have our home insurance with Pure also. A+ in both auto & home.”
“This review pertains to an auto claim. I have home, auto and umbrella with Pure. I was out of town and involved in an accident. Hit from behind, there were three cars involved. The middle car suffered the worst damage. The driver was a teenager and her parents had PURE as well. PURE was wonderful to work with, seamless and expedient. Thank you”
pure insurance reviews
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