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Car Forum / Land Rover Cars / October 2004

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Insuring Defender 90

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Trevor Appleton - 22 Oct 2004 03:37 GMT
Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.

Horrified to learn that despite 30 years of driving 20K per year with no
claims, that this isn't taken into account, so its as if starting from
scratch.

Got quote for ?197 for Third Party Fire and theft.. Does this sound about
right? Any suggestions for insurance companies/ brokers to try?
Derry Argue - 22 Oct 2004 06:18 GMT
> Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
>
[quoted text clipped - 5 lines]
> this sound about right? Any suggestions for insurance
> companies/ brokers to try?

It cannot be stressed enough that it is essential to shop
around. I got two quotes ?100 apart -- these from the same
insurance company for the exact same vehicle but via two
different agents!

Get the Land Rover magazines and work your way through the
advertisements. Each will ask you what you have been quoted so
far and try to give you a lower quote.

Some will quote a large price because they simply do not like to
insure the type/age of the vehicle you drive.

Shop around!

Derry
Hirsty's - 22 Oct 2004 08:15 GMT
Try NFU insurance, they specialise in LR; ( National Farmers Union). You do
not need to be a farmer or a member of the NFU.

> > Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
> >
[quoted text clipped - 21 lines]
>
> Derry
Simon Barr - 22 Oct 2004 08:40 GMT
> Try NFU insurance, they specialise in LR; ( National Farmers Union). You do
> not need to be a farmer or a member of the NFU.

I'd recommend the NFU too.  In the last couple of weeks I've been getting
quotes from various companies who advertise in the mags.  Most of them were
over the top, Firebond, Sureterm, Peter Best and the like.  Unbelievably
some weren't happy with mods, in my case a winch and a steering guard.  Why
were they advertising in a Landy mag then?

I called the local NFU office, they didn't mind the winch or guard and beat
all the others by at least £100!!

Signature

                simon at sbarr dot demon dot co dot uk
Simon Barr.
'97 110 300Tdi.

Hirsty's - 22 Oct 2004 13:09 GMT
Make sure you get a letter or some written notification that the mod is
recognised and accepted. My local office (Swanley) did that when I asked
about a nudge bar, I still have it on file after 5 years.
Gary Hart was/ is having some kind of problem with his company that is'nt
too happy with the Selby rail payout and are trying to wriggle out of their
obligation.

> > Try NFU insurance, they specialise in LR; ( National Farmers Union). You do
> > not need to be a farmer or a member of the NFU.
[quoted text clipped - 12 lines]
> Simon Barr.
> '97 110 300Tdi.
Simon Barr - 22 Oct 2004 14:41 GMT
> Make sure you get a letter or some written notification that the mod is
> recognised and accepted. My local office (Swanley) did that when I asked
> about a nudge bar, I still have it on file after 5 years.

I might just do that.  The office I took my insurance out in said that only
performance enhancing mods would affect the insurance and the winch and guard
don't fall into that category.

Signature

                simon at sbarr dot demon dot co dot uk
Simon Barr.
'97 110 300Tdi.

Alun P - 22 Oct 2004 10:27 GMT
I recollect a thread a few weeks ago on a similar subject.

To recount my experiences briefly I went through the same task about 6
months ago and received stupid quotes for my RRC 1991 3.9.

The cheapest i found was with the AA, £298 fully comp. Others were quoting
£4,5,600!!!!!

AlunP
hugh - 22 Oct 2004 15:02 GMT
>I recollect a thread a few weeks ago on a similar subject.
>
[quoted text clipped - 5 lines]
>
>AlunP
It's truly amazing , the variations for the same or similar situations.
AA were way off on my Defender. It seems to be almost pot luck.
Signature

hugh
Reply to address is valid at the time of posting

Dave Stewart - 22 Oct 2004 13:37 GMT
Insurance companies...I feel a rant coming on, but I will resist.

Hardtop vs Station Wagon will make a difference.  Hardtops may be classed as
commercial vehicles by some companies and hence will have a higher rating.

> Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
>
[quoted text clipped - 4 lines]
> Got quote for ?197 for Third Party Fire and theft.. Does this sound about
> right? Any suggestions for insurance companies/ brokers to try?
90ninety - 22 Oct 2004 14:13 GMT
Firebond insured me for ?139.00 for the Ninety. That's fully comp, NCB
doesn't matter. As long as you don't have an attrocious driving record and
history of claims alls okay!!! They took into account all mods - suspension,
gaurds, spots, wheels, bull-bar etc. Much cheaper than any other quote I
had. They also gave an agreed vehicle value!

Stew.

Signature

1990 LR Ninety 2.5D N/A (Jasmine) with bits on!
2002 Freelander Td4 ES (wifes)

> Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
>
[quoted text clipped - 4 lines]
> Got quote for ?197 for Third Party Fire and theft.. Does this sound about
> right? Any suggestions for insurance companies/ brokers to try?
hugh - 22 Oct 2004 15:00 GMT
>Looking to insure Defender 19 1989 2500 cc TD. Cost £3400.
>
[quoted text clipped - 4 lines]
>Got quote for £197 for Third Party Fire and theft.. Does this sound about
>right? Any suggestions for insurance companies/ brokers to try?

I can recommend

Davenport Wilson Insurance Brokers
35 Liverpool Road North,
Maghull,
Liverpool. L31 2HB
Tel 0151,531,9909
Speak to Alan
No connection other than as a very satisfied customer- over many years
he has always come up with the best quote. You should get some allowance
based on your driving record even though you may not have had  your own
policy.
Signature

hugh
Reply to address is valid at the time of posting

Martin Edwards - 22 Oct 2004 23:41 GMT
?197 for insurance?  you want to try living in northern ireland.  at least
triple that for over here.  ;-((  mind you, the 100k we save on house prices
makes up for it!! ;-))
M0bcg - 22 Oct 2004 18:22 GMT
ring the CIS  , coop insurance .

the rep will come to youre home, you can phone him and change details whenever
you like .
no hassle etc etc .

i dont think the coop are allowed to advertise theyre services .

i have not been able to find anyone cheaper .

its worth the cost of a phone call at least
Trevor Appleton - 22 Oct 2004 19:25 GMT
> Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
>
[quoted text clipped - 4 lines]
> Got quote for ?197 for Third Party Fire and theft.. Does this sound about
> right? Any suggestions for insurance companies/ brokers to try?

The 197 was from CSMA (Civil Service Motoring a.s) Frizzells. It was for
TPFT.

Got fully comp from sureterm inc green laning, trailors etc for ?166
Mr.Nice. - 22 Oct 2004 20:08 GMT
Twas Fri, 22 Oct 2004 19:25:19 +0100 when "Trevor Appleton"
<trevor@nospam.weather.4dinternet.co.uk> put finger to keyboard
producing:

>> Looking to insure Defender 19 1989 2500 cc TD. Cost £3400.
>>
[quoted text clipped - 9 lines]
>
>Got fully comp from sureterm inc green laning, trailors etc for £166

Surely greenlanes are public highways and therefore surely they are
'roads' for the purpose of insurance?

when is a road not a road for insurance reasons?

hmmmmm

Regards.
Mark.(AKA, Mr.Nice.)
Signature

_________________________________________
www.markvarleyphoto.co.uk
1984 110 CSW 2.5(na)D
(3,000 rivets flying in close formation)
_________________________________________

Trevor Appleton - 22 Oct 2004 21:42 GMT
> Twas Fri, 22 Oct 2004 19:25:19 +0100 when "Trevor Appleton"
> <trevor@nospam.weather.4dinternet.co.uk> put finger to keyboard
[quoted text clipped - 19 lines]
>
> when is a road not a road for insurance reasons?

..yes that occurred to me as a Public Rights of Way Officer, but then I
don't believe in damaging them
George Spigot - 23 Oct 2004 17:31 GMT
> > Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
> >
[quoted text clipped - 9 lines]
>
> Got fully comp from sureterm inc green laning, trailors etc for ?166

I've just got my renewal from same place( Frizzells) ?194 fully comp for my
85-90, but I will be shopping around.
Richard Brookman - 22 Oct 2004 20:32 GMT
So Trevor Appleton was, like

> Looking to insure Defender 19 1989 2500 cc TD. Cost ?3400.
>
> Horrified to learn that despite 30 years of driving 20K per year with
> no claims, that this isn't taken into account,

Why not?  There's nothing I've ever heard of the debars Land Rover drivers
from having a no-claims discount.  Have you got an NCD with another insurer
that you can transfer?  Of course, if you are insuring from scratch (no
previous record) it will be the same issue whatever car you try to insure.
If you want to insure a car as a second vehicle, all companies apply
different criteria - some charge more, some less.  As other people have
said, shop around.  If you're over 50, Saga are good for standard vehicles
(or so a very old friend of mine tells me).  ;-)  On a standard RR, they
beat all other quotes by a street (he said).  Not sure how keen they'd be on
a highly-modified challenge vehicle.  Another benefit is that they are
extremely nice and helpful over the telephone (he reckoned) and speak
clearly and slowly if necessary (he told me).

Signature

Rich

Series 2a
RR 4.6
V8 trialler
dog, wife, kids, whatever

Trevor Appleton - 22 Oct 2004 21:44 GMT
> So Trevor Appleton was, like
>
[quoted text clipped - 15 lines]
> benefit is that they are extremely nice and helpful over the telephone (he
> reckoned) and speak clearly and slowly if necessary (he told me).

er yes...at 51 it did occur to me, but then I couldn't accept it had come to
that!

This is a second vehicle, so they seem to class it alongside the first one
you've ever had, which amazes me.
Richard Brookman - 23 Oct 2004 12:34 GMT
So Trevor Appleton was, like

>> If you're
>> over 50, Saga are good for standard vehicles (or so a very old
>> friend of mine tells me).  ;-)
>
> er yes...at 51 it did occur to me, but then I couldn't accept it had
> come to that!

It comes to us all (or so my mate told me).

> This is a second vehicle, so they seem to class it alongside the
> first one you've ever had, which amazes me.

Not really, if you think in terms of risk to the company.  Say you have a
car insured for self and spouse.  The car can only be driven by one driver
at a time, so the risk to the company is X, and the premium based on the
"riskiest" driver.  If you then get a second car and want to insure it
alongside the first (again with two drivers), you have potentially two cars
on the road at the same time, and the risk to the insurer is ~doubled. You
think you have a "cheap" second car and expect to pay a few quid extra to
insure it, but the company don't see it like that.  If you insured the
second car as "insured only to drive", I bet the premium would be
dramatically lower.  At least that's what an insurance broker told me when I
wanted to insure my ex-wife (still a learner then) on my policy.

Signature

Rich

Series 2a
RR 4.6
V8 trialler
dog, wife, kids, whatever

Austin Shackles - 23 Oct 2004 07:23 GMT
>Why not?  There's nothing I've ever heard of the debars Land Rover drivers
>from having a no-claims discount.  Have you got an NCD with another insurer
>that you can transfer?

IME, these days, only if you stop insuring the other one.

there is some limited scope for insuring "second vehicle" on the same
policy, NFU do one, but in their case, only if you've not had a claim in the
last x years and I think there may be restrictions on the policy and/or use,
too.
Me - 22 Oct 2004 22:34 GMT
Firestone shaved over ?100 off my wifes Vitara insurance, and dropped my 110
1989 from ?160 to ?120, both fully comp and included previous NCB.

Also try CIS (co-op) they are very good, but use a local rep to set you up
(he comes to the door with your initial paperwork) so it can be a bit slow
to get going. They also will accept your NCB, plus give up to 65% discount
for new business

Also if ur Landy only does a low mileage, let them know, if U only do 506k
per year in it, tell them, it drops the premium.. My ?120 wuz using it as my
main vehicle.

But keep shopping, the big insurers don't quite know what to do with us odd
Landrover mob, so it's really worth digging into the smaller ones and the
specialists
Simon Atkinson - 22 Oct 2004 23:47 GMT
> Firestone shaved over #100 off my wifes Vitara insurance, and dropped
> my 110 1989 from #160 to #120, both fully comp and included previous
[quoted text clipped - 4 lines]
> be a bit slow to get going. They also will accept your NCB, plus give
> up to 65% discount for new business

Can I give a plug to Carole Nash?

Series III (second vehicle so no NCB) - I'm 42 and live in a rural
area.  They quoted 111ukp inlcuding breakdown recovery (Green Flag I
think) and legal cover for that.  Limited to 5000 miles per anum though
and a 50ukp excess and agreed value for the Landy.
Tim Hobbs - 22 Oct 2004 23:52 GMT
>Can I give a plug to Carole Nash?

You'd have to ask nicely I guess..

Signature

Tim Hobbs

'58 Series 2 88" aka "Stig"
'77 101FC Ambulance aka "Burrt"
'03 Volvo V70

My Landies?  http://www.seriesii.co.uk
Barcoding?  http://www.bartec-systems.com
Tony Luckwill web archive at http://www.luckwill.com

Simon Atkinson - 23 Oct 2004 00:01 GMT
> > Can I give a plug to Carole Nash?
>
> You'd have to ask nicely I guess..

I wont bother then... :-)
GbH - 23 Oct 2004 10:41 GMT
> Firestone shaved over ?100 off my wifes Vitara insurance, and dropped
> my 110 1989 from ?160 to ?120, both fully comp and included previous
[quoted text clipped - 12 lines]
> us odd Landrover mob, so it's really worth digging into the smaller
> ones and the specialists

That is streatching low mileage just a bit!

Signature

UR SHGb02+14 &ICMFP
If at first you don't succeed,
maybe skydiving's not for you!

 
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