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Happyoldgit



Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471

United Kingdom 2015 Defender 110 Puma 2.2 USW Corris Grey
After my son passed his test my wife & I spent a day and half on the phone running through the various options with countless insurance companies. Black boxes will reduce premiums as will naming an experienced parent as another driver - if you have passed your test you really do need to be listed as the primary driver.

Be aware that a number of policies for new drivers impose a non use curfew late at night / early morning which obviously restricts usage. This would have been unsuitable for my son as he will need to start shift work as part of his apprenticeship at some point. Some policies may want to restrict annual mileage too.

If you have not passed your test be prepared for a substantial premium hike when you do.

Son now has a 1.3 Eurobox which is cheap to run, is comfortable and has plenty of airbags covered by a 12,000 annual mileage allowance, no curfew, black box [with live online tracking and journey scoring accessible to him and us] new driver fully comp policy with Marmalade [part of Allianz] for a sub £1000 premium.

While I fully appreciate a Defender is your desire building up a bit of NCB in something a bit less anachronistic really is the sensible thing to do. Steve.
Owned numerous Land Rover vehicles of all shapes and sizes over the decades.
Current Defender: A non tarts hand-bagged Puma 110 XS USW.

[Insert something impressive here such as extensive list of previous Land Rovers or examples of your prestigeous and expensive items, trinkets, houses, bikes, vehicles etc]

http://forums.lr4x4.com

I used to be Miserable ...but now I'm ecstatic.
Post #542094 21st Jun 2016 3:40pm
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ken



Member Since: 18 Aug 2009
Location: Banging Birds with my bitches !!
Posts: 4328

United Kingdom 
Kids hey

Never listen Rolling with laughter
Post #542123 21st Jun 2016 5:48pm
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Retroanaconda



Member Since: 04 Jan 2012
Location: Scotland
Posts: 2520

Scotland 
It's a real shame that kids have to resort to black boxes and/or curfews to get reasonable insurance premiums. The main benefit of passing your driving test is having your own freedom, if you can't sneak out to girls houses in the middle of the night what's the point!? Wink

I got my 90 when I was 19, the insurance was the same cost as the Focus I transferred it from, about £600 back then. That was with Churchill I think, I used Adrian Flux for a few years too who were also quite reasonable. Maybe give them a try.

A standard vehicle with no modifications also helps a great deal.
Post #542147 21st Jun 2016 7:06pm
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Cupboard



Member Since: 21 Mar 2014
Location: Suffolk
Posts: 2971

United Kingdom 2011 Defender 110 Puma 2.4 HT Corris Grey
When I looked at getting a black box it actually put my premium up, by almost double. YMMV Smile
I also drive almost exclusively in the evenings.
Post #542208 21st Jun 2016 8:53pm
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tonyhedge



Member Since: 07 Jul 2015
Location: Worcestershire
Posts: 101

2014 Defender 90 Puma 2.2 SW Montalcino Red
As others have said, get on the 'phone and be prepared to ring a dozen or so companies. There will be huge variations as some companies will deliberately price up business they do not want. I remember when trying to arrange insurance to cover my son at 17 that one company wanted twice as much for TPFT as for fully comp, simply because they wanted to stay away from the young driver TPFT market.

Keep trying - it will be worth it. And a Land Rover is an excellent first car - it will teach you skills you will simply never acquire driving anything else! Whistle

Godd luck. That's not a dent, it's a rivet. That's not a dent, it's a rivet. That's not ... oh! That is a dent!

2014 90 XS SW
1997 Discovery 300TdiS (retired to stud)
1966 Series IIA 88" (now my son's)
2001 Astra - I need something to go and buy the parts when the others are off the road!
Post #542284 22nd Jun 2016 7:42am
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Freakmode



Member Since: 18 Oct 2016
Location: Worcestershire
Posts: 20

United Kingdom 1995 Defender 90 300 Tdi SW Coniston Green
I put my 18 year old on my 90, cost us £249 for me the wife and him with NFU as being a 3 seater it is treated as a light commercial.
Post #578261 16th Nov 2016 6:55pm
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familymad



Member Since: 13 Dec 2011
Location: Bucks
Posts: 3459

 2016 Defender 130 Puma 2.2 HCPU Santorini Black
Thread resurrection as I’m going to be doing the same for my 17yr old. He is learning to drive in our 90

Shocked 1951 80" S1 2.0
1995 110 300TDI
1995 90 300TDI
Post #891434 14th Mar 2021 9:02pm
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Huttopia



Member Since: 23 Feb 2016
Location: West Midlands
Posts: 1964

United Kingdom 
I spoke to my insurer about adding my daughter to our 90 and they came back with a figure of about £4k. From what I can make out the approach to insurance has changed and whereas 20 years ago getting insurance on a Series 3 or Defender was reasonably cheap, they now base it on the amount of damage the vehicle can do to other vehicles.

Interested to hear how you get on.
Post #891493 15th Mar 2021 9:37am
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OsloBlue



Member Since: 14 Jul 2018
Location: Essex
Posts: 822

United Kingdom 2003 Defender 110 Td5 XS CSW Oslo Blue
Insurance group still counts, most defenders are still group 15 or something, same group as fiestas and the sporty ones at that.

However as Huttopia said its not just insurance group, as young drivers driving big cars with big engines (regardless of power output) are expensive.

Let me put context, 23 year old me in a 2003 TF5 110 XS, E* area being kept in an "other area", with some business insurance. One accident 3 years prior but was (and still is unresolved).

£2374.4
0 Year no clam (kept switching cars)
Guaranteed car hire
Fully comp
Business use included.
And this required a black box too.

Only direct line and admiral would provide competitive quotes, specialists would simply say no try again in a couple years.

Even today a few years on £1700

quite frankly anything between £2-4k is pretty reasonable for any half decent car for anyone below 30.

I got a quote on a focus 1.8 - 2008 £1600 and 2003 yaris with cassette player £900. I'm on IG: https://www.instagram.com/osloblue42/
Current: TD5 '110 "Lucinda" Thread here: https://www.defender2.net/forum/topic62562.html


Last edited by OsloBlue on 15th Mar 2021 8:54pm. Edited 1 time in total
Post #891670 15th Mar 2021 8:52pm
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OsloBlue



Member Since: 14 Jul 2018
Location: Essex
Posts: 822

United Kingdom 2003 Defender 110 Td5 XS CSW Oslo Blue
Huttopia wrote:
I spoke to my insurer about adding my daughter to our 90 and they came back with a figure of about £4k. From what I can make out the approach to insurance has changed and whereas 20 years ago getting insurance on a Series 3 or Defender was reasonably cheap, they now base it on the amount of damage the vehicle can do to other vehicles.

Interested to hear how you get on.

Huttopia is this a new defender or old one buddy? I'm on IG: https://www.instagram.com/osloblue42/
Current: TD5 '110 "Lucinda" Thread here: https://www.defender2.net/forum/topic62562.html
Post #891673 15th Mar 2021 8:54pm
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