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| OsloBlue Member Since: 14 Jul 2018 Location: Essex Posts: 822   
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Curious, mine is a whopping £2160, but I’m still in my 20’s, No NCD(kept changing cars) and had an accident that is still unresolved 3 years on as its underwriter vs self, and I was insured through my employer. I'm on IG: https://www.instagram.com/osloblue42/
Current: TD5 '110 "Lucinda" Thread here: https://www.defender2.net/forum/topic62562.html  |
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24th Oct 2018 1:11pm |
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| hank Member Since: 12 Sep 2016 Location: South Wales Posts: 2225  
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Worth looking at van/commercial policies if yours qualifies. I find it to be significantly cheaper than standard private policies...
Insurance is subjective I know but commercial policy was a third cheaper than A-Plan for me! Try www.confused.com/van-insurance www.comparethemarket.com/van-insurance www.moneysupermarket.com/van-insurance |
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24th Oct 2018 1:22pm |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971 
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That's funny, mine ended up being much more expensive under a commercial policy.
For some reason insurerers didn't like a privately owned modified commercial vehicle that's occasionally used for business use. |
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24th Oct 2018 1:45pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Thanks Hank! Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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24th Oct 2018 3:03pm |
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| Stacey007 Member Since: 25 Sep 2015 Location: Cheshire Posts: 3693
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I tried A plan in the past.
took ages and I remember being asked all random questions about where I drive and remember thinking why is this relevant only to get no where near another provider. I've used LV ion the past when needed a claim and you only know how good insurance is when you need it... they were great. I'm happy with just over £300 for the cover and mods included. My dads with NFU mutual for his cars and he's been impressed I will give them a go next year.  |
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24th Oct 2018 4:16pm |
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| rallysteve Member Since: 10 Feb 2014 Location: Cumbria Posts: 2197 
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NFU are totally incompetent and out of touch with Land Rovers, especially if modified.
They were unable to correctly list common modifications (e.g. winch, tyres, additional lighting) on the policy we had. They were also very expensive. Steve 02' 110 TD5 Double Cab Rebuild Thread 84' 90 3.9 V8 Caged Pickup Build Thread - Now For Sale Mobile Diesel Heater Build Thread |
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24th Oct 2018 4:28pm |
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| hank Member Since: 12 Sep 2016 Location: South Wales Posts: 2225
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My post was meant to suggest that A Plan were the cheapest next to the commercial policy - not a dig in the slightest. Purely personal experience. Like I say it’s subjective and will differ for each person |
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24th Oct 2018 4:36pm |
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| lohr500 Member Since: 14 Sep 2014 Location: Skipton Posts: 1284 
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+1 for LV.
I had the Defender & two other cars on an Aviva multi car policy. They wanted over £900 earlier this month for renewal. I thought I might do better insuring the Defender with specialists due to the BAS remap, winch and towbar. Tried several, including Flux, Lancaster & A-Plan. Prices ranged from £550 to £350 for similar cover/excess. After shopping around and putting the other two vehicles on an LV multicar policy taken out online , I then phoned LV to see what it would cost to add the Defender. I couldn't add it online because there was no drop down option to add the winch as a modification. No problem, sir, the extra premium to add the Defender will be £216 for the year  . With all mods declared.
It proves the point that it it is worth the pain of shopping around and answering the same set of tedious questions over and over again to the different insurers/brokers. |
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24th Oct 2018 6:02pm |
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| Stacey007 Member Since: 25 Sep 2015 Location: Cheshire Posts: 3693
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^ Once I started modifying mine it soon became clear that most companies don't want to know.
I'm used to this and its common sense I guess if you run an insurance company? in my your days with big powerful cars and modifications it used to be Adrian Flux as they seem to know whats what.. I've been impressed with LV, each time I add a mod I tell them and it adds very little. Some companies didn't want to know with wheel spacers. I'm happy at least the low insurance offsets the tax for it |
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24th Oct 2018 7:42pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Sorry to hear we weren't competitive - our questions are thorough to ensure your covered for what you need (and not what you don't need) as we are a broker we are here to make sure you're covered correctly That being said a quotation shouldn't take ages to go through 
Worth trying again though as policy schemes and criteria does change - especially from year to year just make sure you call 01635 874646 for the 4x4 and modified branch here in Thatcham.
Also... make sure if you do have modifications and go to a 'standard' insurer you're covered for the mods themselves as some will cover a modified vehicle but will exclude the mods in a claim - a good question to ask when speaking to them
Carlie Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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25th Oct 2018 8:59am |
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| Stacey007 Member Since: 25 Sep 2015 Location: Cheshire Posts: 3693
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^ Thanks will try next time.
Funny enough the the Lady at LV did say the quotes vary daily...I understand that. They quoted £472 and on the Sunday I found it for £328 so I said looks like I'm better checking on a Sunday  |
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25th Oct 2018 9:31am |
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| OsloBlue Member Since: 14 Jul 2018 Location: Essex Posts: 822
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Unfortunately it’s far worse on a commercial, as the quotes I received were worse if I threw in personal use, or wouldn’t cover personal use. Personal with business use was the best I could have received. I'm on IG: https://www.instagram.com/osloblue42/ Current: TD5 '110 "Lucinda" Thread here: https://www.defender2.net/forum/topic62562.html |
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25th Oct 2018 9:40am |
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| c18rch Member Since: 28 Nov 2012 Location: Sheffield Posts: 28 
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Adrian Flux
Mine is a 1988 110 with 200tdi conversion, galv chassis, whinch, lifted, lockers, etc. Easier to say which bits haven't been modified. It's on a classic car policy (any car over 10 years old qualifies (or so they say)), covered for off roading (farm, shooting, etc not competition), covered for commercial used (private light goods, again farm and shooting related). £280 per year. 5000 mile limit. 1988 110 200TDi Hard Top |
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25th Oct 2018 12:13pm |
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| JOW240725 Member Since: 04 May 2015 Location: Suffolk Posts: 7873 
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Varies considerably depending on the person, modifications and use but I only pay £140 with A-Plan on my 1990 110SW. Might be worth a trying them next time.
Out of interest, I tried putting my Puma through as a commercial on the above van comparison sites and LV came out £100 cheaper than A-Plan including mods  Watch out A-Plan I will be checking next year!! 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 |
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25th Oct 2018 12:49pm |
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