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Bathale



Member Since: 02 Sep 2016
Location: South West
Posts: 100

United Kingdom 1998 Defender 90 300 Tdi PU Rioja Red
Insurance renewal!
I’ve just wasted two days of my life trying to renew my 300 tdi 90 insurance for the next year!
I’ve spoken to every advertiser in LRO and what a bunch of time wasting shisters a lot of them are, you go through the same questions only to be told it’s too new, it’s too old, we don’t like this that or the other, one refused to quote at all (Shearwater) because I have removed the middle front seat to fit a standard LR cubby box, and get this Footman James who claim to be the best came in at a mind boggling £2434.11 only £2000 more than the company I’m already with!!!!
now if I had a hi-performance LR I could maybe understand the attitude of some of the companies, but the mods I have a sensible and non-performance mods.
Mantec rear wheel carrier
Kenlowe electric fan
Wheel spacers
Dab radio
Cubby box!!!!!!!!!
Stainless exhaust (non performance)
GKN overdrive
And two driving lights.......
Non of which will make the damned thing go any faster

In the end I’ve stayed with A plan despite an increase in premium of £66.00, I wouldn’t mind so much but I’m 58, 59 next month so I’m not a boy racer or any thing like it.........

So this years hall of shame is, in no particular order..........
Shearwater.
Adrian Flux.
Footman James.
Carole Nash
Sureterm Direct.
You all advertise Landrover Insurance, but when it comes to it, you’ll make any excuse not sell a policy or to grossly over charge........
That’s this years rant over, what ever happened to good old fashioned service and help...... if anyone knows please send your answers on a post card to.......................
Post #673815 28th Dec 2017 4:08pm
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gilarion



Member Since: 05 Dec 2013
Location: Wales
Posts: 5084

Wales 2007 Defender 90 Other CSW Trident Green
The trouble is there seem's to be two scales at each end of motor insurance, the first end is for people who are young and have little driving experience.
But here is the rub at the other end of the scale it is reserved for people of a certain age, insurance companies think that the older we get, especially when reaching sixty, we all have senior moments and as such anybody of that age, are deemed a high risk. Stupid I know but the vagaries of motor insurance defy logic, such as if you have an accident your premium often reduces because the insurance companies think that after an accident you will drive more carefully. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..

http://www.youtube.com/user/conwy1
Post #673816 28th Dec 2017 4:24pm
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DAZ110



Member Since: 06 Dec 2007
Location: East Sussex
Posts: 2001

United Kingdom 2013 Defender 90 Puma 2.2 XS CSW Barolo Black
Did you try LV ?
Post #673817 28th Dec 2017 4:28pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 7866

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey
I was pleased A-Plan had no increase in premium on the Puma and were very competitive on a new policy for a 200tdi.

As above LV are pretty good or did you try Heritage? James
MY2012 110 2.2TDCi XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html
MY1990 110 200TDi SW beautifully faded Portofino Red - https://www.defender2.net/forum/post743641.html#743641
MY1984 90 V8 Slate Grey - https://www.defender2.net/forum/post744557.html#744557
Instagram @suffolk_rovers
Post #673820 28th Dec 2017 4:43pm
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Swine&Small



Member Since: 20 Mar 2017
Location: Norfolk
Posts: 1223

United Kingdom 
2015 Def 90 Landmark Edition, Insured via a broker , Full comp, Full NCB. £200 excess
Remapped to 160 £ 290 per annum premium
72 years old and still maturing. No complaints Very Happy Very Happy
Thumbs Up 1983 Series 3 Pick up in Marine Blue
1967 Morris Traveller
1966 Morris Convertible
2012 VW T5 Camper
Quod Abundat Non Obstat.
Post #673824 28th Dec 2017 4:52pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 4788

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey
Have two defenders both insured with LV and have been very pleased with their annual quotes so much so haven’t bothered to get other quotes, particularly as this years was actually cheaper than last years Thumbs Up 2015 HT XS 90
2008 SVX 90
2000 XS TD5 90
Post #673840 28th Dec 2017 5:24pm
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discomog



Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2494

United Kingdom 2015 Defender 90 Puma 2.2 XS CSW Santorini Black
I've just reinsured again this year with A Plan and Aviva. A small reduction in premium although the vehicle is now locked in a garage overnight rather than being on the drive. Very pleased with A Plan. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8
Post #673924 28th Dec 2017 9:07pm
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Ramsay



Member Since: 30 Sep 2015
Location: Moffat, Dumfries & Galloway
Posts: 623

Scotland 1995 Defender 110 300 Tdi CSW Auto Keswick Green
LV quoted competitively until they realised my front centre seat had been removed. That was an unacceptable modification to them and they would not cover. 1995 Defender 110 CSW
1971 SIIA Lightweight
Post #673976 28th Dec 2017 10:29pm
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Bathale



Member Since: 02 Sep 2016
Location: South West
Posts: 100

United Kingdom 1998 Defender 90 300 Tdi PU Rioja Red
Hi Ramsay, that was the same response that I got from LV! All the other mods were ok but as soon as I said the centre seat had been replaced by a LR cubby box they declined to quote........
Post #674076 29th Dec 2017 12:34pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 4788

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey
Blimey strange how insurance companies view certain mods!! 2015 HT XS 90
2008 SVX 90
2000 XS TD5 90
Post #674084 29th Dec 2017 1:19pm
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Zed



Member Since: 07 Oct 2017
Location: In the woods
Posts: 3000

United Kingdom 2010 Defender 110 Puma 2.4 XS CSW Santorini Black
Post #674131 29th Dec 2017 4:09pm
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mse



Member Since: 06 Apr 2008
Location: UK
Posts: 5024

United Kingdom 2016 Defender 110 Puma 2.2 XS CSW Scotia Grey
Insurance is weird, but some of the things you are listing aren’t modifications.

But saying you have played with seats is going to red flag you Mike
Post #687307 17th Feb 2018 11:26pm
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Scoobeenut



Member Since: 04 Mar 2015
Location: West London
Posts: 310

United Kingdom 2010 Defender 90 Puma 2.4 SW Santorini Black
Maybe we should create a hall of shame on the forum, you can’t beat strength in numbers. If the quotes are bad or if you have had bad service don’t say why, just place them at the bottom of the list.
Post #687314 17th Feb 2018 11:57pm
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Alex L



Member Since: 22 Jan 2018
Location: South Northants
Posts: 134

United Kingdom 2013 Defender 90 Puma 2.2 XS CSW Barolo Black
I’m new to Defenders and amazed how hard it was to insure. I tried the comparison sites and got 3 quotes in excess of £11k per annum. As the car is currently standard I managed to switch over from my 2015 Lotus Exige which I’ve just sold with a slight premium reduction with Direct Line, but they won’t touch any modifications.

A-Plan came back with a very reasonable £396 including all of the mods that will be carried out next week so my new policy starts with them on Tuesday. I’m 36 with limited no claims as I have a company car and I tend to only keep my toys for less than 12 months
Post #687316 18th Feb 2018 12:01am
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ChrisCM



Member Since: 10 Jun 2013
Location: Cornwall uk
Posts: 572

United Kingdom 2010 Defender 110 Puma 2.4 SW Santorini Black
I may be totally wrong here so feel free to shoot me down in flames !

I’m sure I read somewhere that an insurance company cannot wheedle out of a claim by saying that because you had a non contributory mod you weren’t covered, in the OPs case, an idiot running into the back of him at a red light has absolutely nothing to do with his cubby box! Whereas if he had his 3 year old grand child sitting on it at the time well......! 2010 Defender 110 Station Wagon, Santorini Black.
Post #687320 18th Feb 2018 6:49am
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