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airborne



Member Since: 20 Dec 2017
Location: Kendal
Posts: 12

United Kingdom 2007 Defender 110 Puma 2.4 SW Corris Grey
Adding recently-passed teenager to insurance
As per the subject - anyone had any recent experience of adding their son/daughter to their insurance? My 2007 110 Puma is currently insured with LV but they won't consider adding my 18-year-old until he's had a year's experience. Tried new-driver specialists Marmalade but they won't insure any vehicle over 9 years old and over 1400cc.
Any thoughts? Apart from spending hours on the comparison sites of course...
Post #672188 20th Dec 2017 9:35am
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Huttopia



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

United Kingdom 
Have you tried Henry at A Plan in Thatcham?
Post #672189 20th Dec 2017 9:42am
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JJ



Member Since: 18 May 2009
Location: Winchester
Posts: 932

United Kingdom 1987 Defender 110 V8 Petrol CSW Corris Grey
Unfortunately with insurance there isn't a magic way of doing it. What works for one person in one part of the country may not work for someone else in another part of the country. There are too many variables.

To insure my son on my 110 Td5 the best I could get was close to £5k per year Shocked I pay, for myself and the wife £199 per year.

Most insurers were not interested.

Annoyingly of course no comparison site covers the whole market so you do need to go through them all which is time consuming. Good luck. HR064 Hampshire and Berkshire 4x4 Response
Post #672191 20th Dec 2017 9:45am
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BLACK LAB



Member Since: 07 Dec 2016
Location: AYRSHIRE
Posts: 165

United Kingdom 2006 Defender 90 Td5 XS CSW Tonga Green
Best of luck pal getting any joy from insurance companies - Bunch of cnuts . 2006 DEFENDER 90 TD5 CSW XS
2018 RANGE ROVER SPORT HSE DYNAMIC
Post #672193 20th Dec 2017 10:07am
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X4SKP



Member Since: 29 Nov 2013
Location: Berkshire
Posts: 2284

United Kingdom 2010 Defender 90 Puma 2.4 SW Stornoway Grey
Hello airborne

I looked at this some time back, as like you i'm with LV, and cover / price (with 79.9% NCD)
is good ... but they just really didn't want to know about taking on new driver, (Test has been passed),
they effectively priced themselves out of the market (IMO).

Initially I was told she had to be 21 before they would even quote us, but this with a 'work around'
did eventually get us a price, just not one that we could live with.

Now having had two daughters pass, they both drive around in small Toyotas, both with black boxes
fitted, both cars garaged, and we live in a 'good' postcode for crime, but still it's a 1K each...

Buying the car is the easy bit... Exclamation

http://www.defender2.net/forum/topic32194.html?

Anyway good luck...it took us some effort before we got to somewhere even remotely 'acceptable'
(morethan-smartwheels) SKIP
https://www.defender2.net/forum/topic83242.html
Post #672194 20th Dec 2017 10:16am
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donmacn



Member Since: 06 Nov 2017
Location: Nth Scotland
Posts: 1829

I'll keep an eye on this thread as I'm in a similar position.

Earlier this year I switched the LR insurance to the NFU. Quite happy with the quote for myself and my wife, including occasional business use. Then my son passed his test. NFU weren't interested in 'high risk' business. They said they might change their mind once I have more of a 'history' with them.

I also looked at buying him a £1k Clio or something, but the insurance quotes were £1k/annum.

I think it's just obscene profiteering to be honest. I realise that young drivers are a higher risk, but surely not to the extent that the insurance industry is hiking the premiums.

I've only recently joined the forum, but I'll see how I get on with A plan once renewal time comes around.

In the meantime if anyone comes up with any brilliant suggestions here I'll be very interested. Donald

1994 Defender 300Tdi 110 SW - owned since 2002 - 230k miles and going strong
(The 'rolling restoration' or tinkering thread: http://www.defender2.net/forum/topic58538.html )
2000 Range Rover P38 4.0L V8

in the past..
RR classic - fitted with 200Tdi
1984 RR classic - V8 with ZF auto box
1993 Discovery 300Tdi

not to mention the minis and the Type 2 VW camper...
Post #672206 20th Dec 2017 11:31am
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X4SKP



Member Since: 29 Nov 2013
Location: Berkshire
Posts: 2284

United Kingdom 2010 Defender 90 Puma 2.4 SW Stornoway Grey
I did try A Plan at Thatcham...not that it matters, but they are close enough to me to sit in front of them if needed or If I thought it would help.

They were 2K PA initially 'improving' to 1.5K PA when 'pushed'...on a 4K Car (Telemetrics involved No Curfew Times)

I get that younger (and older) drivers make up the majority of the 'bad insurance statistics', and that either could take a 2K Car out on the road and stick it into the side of a 100K Range Rover...and it's a big bill.

But when I look back at the Vehicles I've had, never did insurance make me think twice, or infact influence my decision, it just feels just like another 'new world' order of things that the young have to deal with...?

Trying hard not to 'merge' this thread into the 'Grumpy Old Man thread'...

Mr. Green SKIP
https://www.defender2.net/forum/topic83242.html
Post #672208 20th Dec 2017 11:55am
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JJ



Member Since: 18 May 2009
Location: Winchester
Posts: 932

United Kingdom 1987 Defender 110 V8 Petrol CSW Corris Grey
The cost of the car in this scenario ( young driver ) is irrelevant. The risk the insurers are taking on is how many people can a young person seriously injure in one go. In my example, a 9 seat station wagon my son could take 8 mates with him and roll it , the ongoing costs to the insurance company of that would be eye watering so I can see where they are coming from.
In insurance claims people cost big money. HR064 Hampshire and Berkshire 4x4 Response
Post #672209 20th Dec 2017 12:01pm
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miker



Member Since: 13 Sep 2015
Location: Surrey
Posts: 1758

United Kingdom 1999 Defender 110 Td5 CSW Rioja Red
JJ, that sounds like you're trying to apply logic to the situation! There's no rhyme nor reason behind insurance prices I'm convinced.

I pay virtually the same premium for my 2007 Diesel hatchback as I do for my 1999 defender.

One has 5 seats, the other 9. One has airbags and pretensioners and crumple zones etc. The other is a defender.

One will stop wet or dry fast enough to re-arrange your internal organs. The other is a defender.

One is currently worth about £1700 if I were to sell it, and has a moderm alarm, immobilizer etc. The other is a defender!

So how do they arrive at the same cost for both?!
Post #672217 20th Dec 2017 12:40pm
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X4SKP



Member Since: 29 Nov 2013
Location: Berkshire
Posts: 2284

United Kingdom 2010 Defender 90 Puma 2.4 SW Stornoway Grey
I'm more with miker on this...

It would be nice to think that an insurance actuary had analysed good data and then the underwriters had taken a 'measured view', with insurance companies then adding a 'reasonable margin' of profit, but no, I think this is much more an exercise in testing what the market will bear.

Before I bought my Defender I checked to see what 15K of Modifications would do to the insurance premiums, so if I was to try and replace it 'like for like' would I be covered, would I be compensated for this additional value if lost.

It gets complicated quickly as whilst my Defender was Valued at 'Market Price + 15K' I didn't pay that for it, it was closer to Market Value +10% ...not +50%. I hope I never have to test how good my Insurers are, on this example, I hope the wording of the Policy I have and 'in my mind' the agreement / value we reached will stand up if tested. My Premium wasn't loaded by 50% to cover this agreed increase in value, so maybe I'm 'exposed' here, I hope not.

On the 'Number of People' issue, specifically, my 90 has been changed from a 4 'Safe' Seater to arguably a 'less safe' 6 Seater...the additional cost for this being +£8 PA on my Premium... Shocked SKIP
https://www.defender2.net/forum/topic83242.html
Post #672226 20th Dec 2017 1:18pm
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ken



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

United Kingdom 
Its very simple its the third party costs that drive the prices up

We only have the blame culture to blame i.e. cash for crash

Cost of the motor is nearly academic just look at the comp sites TPF&F and FC are basically the same unlike about 25 years ago Twisted Evil
Post #672236 20th Dec 2017 2:26pm
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AMBxx



Member Since: 24 Jul 2016
Location: York
Posts: 980

United Kingdom 2015 Defender 110 Puma 2.2 XS CSW Orkney Grey
When you take out life insurance, the insurance company has enough reliable data (death rates) to be able to produce a quote using maths.
For general insurance, the comparable data isn't as good - too many regional, vehicle and age variables to consider. Still comes down to two things:
1) Claim history (hence a company with few Defenders insured isn't going to be great)
2) Where does the underwrite fancy going on holiday this year.

In the 'old days', insurance was a genuine 'shared risk', now it's more targeted so riskier people are penalised more.
Post #672239 20th Dec 2017 2:49pm
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custom90



Member Since: 21 Jan 2010
Location: South West, England.
Posts: 19449

United Kingdom 
Insurance - Again, a bloated industry which everyone gets poorer from but a select few become very very rich.

I couldn't care less what risk stats they have, they are millions and millions in profits after tax and with expenses removed too.

You should have no prices above £1500 max, and the meerkat website maybe invaluable to you in this case.
Compare the market Diesels Lives Matter. ⛽️🛢️👨‍🔧🧰⚙️
And if You Love the Country, then we’re on the same side ~
I got’ love for Britain, I got’ British pride’. 🇬🇧
Post #672264 20th Dec 2017 4:09pm
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