Car Forum / Land Rover Cars / October 2004
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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