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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 668

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black
Insurance as main car with Mods

I need to insure my Defender as my main vehicle, I have 07 110 SW with a snorkel, crystal headlights, led indicators and side lights and a work light. All the specialist have either refused to quote or given me horrendous prices because it's my main car used for commuting. NFU didn't like my post code.

Can anyone suggest an insurance company that might give a reasonable quote? I can't use the comparison sites because of the mods. 2007 110 TDCi Station Wagon XS

Post #623607 12th May 2017 12:06pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 2982

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey

Forum sponsor A-Plan Thatcham office should cover you. Might also try LV. Been with both and both happy with mods and main vehicle and both knocked spots off NFU and Flux. James

MY2012 110 XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html

Post #623611 12th May 2017 12:18pm
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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 668

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black

A plan want over 800. They said it was because I couldn't go onto one of their specialist policies due to it being my main car. 2007 110 TDCi Station Wagon XS

Post #623613 12th May 2017 12:21pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 2982

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey

Did you speak to Thatcham office? Our 110 is wife's main car, with remap etc insured for commute and business for half that. Lots of other factors I appreciate but surprised by your premium. James

MY2012 110 XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html

Post #623616 12th May 2017 12:29pm
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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 668

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black

I used the Thatcham number off the forum here. Tbh I'm concerned I'm going to have to remove my mods so I can just get a normal policy.

I know it's the nature of the beast, but more than a decade no claims, crystal clean license, plenty of security and heritage quoted me 2k! It's feels like an insult. 2007 110 TDCi Station Wagon XS

Post #623621 12th May 2017 12:40pm
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stigomery



Member Since: 10 May 2016
Location: Cambridge
Posts: 220

United Kingdom 2004 Defender 90 Td5 HT Belize Green

wow... just insured mine with A-Plan, only 1 year no claims bonus, a full side of A4 modifications but limited to 7500 miles and includes driving other cars... fully comp, 300 quid...

it really must be that main car issue... that's sh!t...

Speak to Geoffreys, they have a points system for mods. I reckon you will come in under the 4 points limit they have, e.g. crystal headlights and led indicators I think are 0 points, the snorkel might be 1 or 2 points... worth a call i reckon. I didn't go with Geoffreys because the windows I added to my hardtop blew all the points in one go.... go figure!

Stig

Post #623626 12th May 2017 1:04pm
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blackwolf



Member Since: 03 Nov 2009
Location: South West England
Posts: 7401

United Kingdom 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey

Mine's with Adrian Flux, main car, SD&P plus commuting, no mileage limit as such but based on 20k pa, comp, full NCD, mods inc RAI, winch, Blindos, rack etc, and IIRC it's around 300.

Post #623628 12th May 2017 1:09pm
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JJ



Member Since: 18 May 2009
Location: Winchester
Posts: 883

United Kingdom 2006 Defender 110 Td5 Silver LE Zambezi Silver

I'm with Privilege, raised air intake and roof rack plus business use and all insured as my main car. I was going to get a remap and that would have added 25 to the premium .Haven't got round to it yet but no issues doing it. HR064 Hampshire and Berkshire 4x4 Response

Post #623630 12th May 2017 1:12pm
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Bluest



Member Since: 23 Apr 2016
Location: Lancashire
Posts: 668

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Java Black

Ok, life's too short to spend this amount of time on the phone. Gone with flux at 450 which is not much more than I was paying with no mods. Apparently having an OL postcode is akin to living in done town Mogadishu. I may have been able to get it cheaper, but the whole experience is just too painful. 2007 110 TDCi Station Wagon XS

Post #623644 12th May 2017 2:12pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 2982

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey

450 doesn't sound too bad Thumbs Up James

MY2012 110 XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html

Post #623675 12th May 2017 5:06pm
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seadogdjh



Member Since: 13 May 2017
Location: Northumberland
Posts: 32

United Kingdom 1999 Defender 110 Td5 SW Epsom Green

I just had a shock today from Flux, over 1k the young lad said and couldn't even give me a reason. 110 TD5, 5K miles, unmodified, second car SD&L only. My old 90 was just over 200 with them a few years ago, can only think postcode as its a new build now living at. Compare the meercat was giving better but had even looked at who was giving quotes, back on the phone tomorrow Big Cry

Post #624167 14th May 2017 7:52pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 2982

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey

Give A-Plan Thatcham office and Heritage a go. Thumbs Up James

MY2012 110 XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html

Post #624176 14th May 2017 8:09pm
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g-mack



Member Since: 07 Jan 2014
Location: northumberland
Posts: 1847

United Kingdom 1995 Defender 110 300 Tdi CSW Montpellier Red

seadogdjh wrote:
I just had a shock today from Flux, over 1k the young lad said and couldn't even give me a reason. 110 TD5, 5K miles, unmodified, second car SD&L only. My old 90 was just over 200 with them a few years ago, can only think postcode as its a new build now living at. Compare the meercat was giving better but had even looked at who was giving quotes, back on the phone tomorrow Big Cry


mental that Dave, mine is 370 ish with flux! My 110 300tdi build thread

my youtube channel

Post #624195 14th May 2017 9:00pm
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seadogdjh



Member Since: 13 May 2017
Location: Northumberland
Posts: 32

United Kingdom 1999 Defender 110 Td5 SW Epsom Green

Sorted....snap,,,,370ish but with Lancaster Thumbs Up problem seemed to be the 12 seats

Post #624356 15th May 2017 4:43pm
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