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ARC99



Member Since: 19 Feb 2013
Location: North Yorkshire
Posts: 1831

United Kingdom 2008 Defender 110 Puma 2.4 USW Cairns Blue
Mine is insured with he NFU , I have always found that they are okay with alterations to the standard vehicle and most of the time do not charge extra premium. There has only been one sticking point that was when I wanted to fit Alive comfort springs which lowered the height and the uprated rear anti roll bar, they had to contact the underwriter, I was not allowed to fit them myself and had to provide a copy of the bill for the fitting. Have you tried to get a garage to fit something you haven't bought from them, my local Indy agreed to fit them along with the Bilstein shockers as an exercise for the apprentice. Don't make old people mad.
We don't like being old in the first place,
so it doesn't take much to Censored us off.

Richard
Post #761824 4th Mar 2019 9:41am
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lightning



Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2683

United Kingdom 
That’s bizarre, however there was some years ago a high profile accident where a Defender crashed because the owner’s suspension modification failed and four children in the vehicle were tragically killed.

I am only guessing, but it may be that the vehicle was insured with NFU and they updated their policy after that.
Post #761834 4th Mar 2019 10:25am
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Blacksheep



Member Since: 10 Dec 2017
Location: Highlands
Posts: 190

It would be interesting to hear the opinions from any insurance brokers... Whistle Time is precious, waste it wisely...

Defender 90 D200
Post #761840 4th Mar 2019 10:43am
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ARC99



Member Since: 19 Feb 2013
Location: North Yorkshire
Posts: 1831

United Kingdom 2008 Defender 110 Puma 2.4 USW Cairns Blue
lightning wrote:
That’s bizarre, however there was some years ago a high profile accident where a Defender crashed because the owner’s suspension modification failed and four children in the vehicle were tragically killed.

I am only guessing, but it may be that the vehicle was insured with NFU and they updated their policy after that.


I changed the steering wheel and boss, I got the same Indy to check it and give me a letter to say it was done correctly and paid him £5.00 and handed over the letter to the NFU.

Its all to do with people ability to do the job correctly, I trained as a mechanical engineer so I know what to do, I would never consider messing about with gas appliances. Don't make old people mad.
We don't like being old in the first place,
so it doesn't take much to Censored us off.

Richard
Post #761841 4th Mar 2019 11:11am
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rockster57



Member Since: 15 Nov 2014
Location: West Yorkshire
Posts: 937

United Kingdom 2011 Defender 110 Puma 2.4 CSW Zermatt Silver
discomog wrote:
Tommo wrote:

However, i have no time for insurers and reluctantly pay for cover.


I'm with you Tommo, hate insurers with a vengeance. I never buy their "extras" as they are a complete rip off. I want to give them as little business as possible.


Likewise.

In my experience premium “adjustments” for modifications only ever go one way ie. more expensive!

Who here has ever been told “.....all your additional security measures and all your additional driving courses have resulted in us offering you a cost reduction Sir/madam”?

I’d love to know which insurers look favourably on such things as I’d happily give them the opportunity to quote for my cover.
Post #761846 4th Mar 2019 11:49am
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Swine&Small



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

United Kingdom 
As a matter of fact, ME. Aviva increased their premium for all the "extras" iI informed them about and then virtually cancelled them again with the benefits of the removable steering wheel and lock. This brought the increase down to less than a tenner.
So it does happen 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 #761847 4th Mar 2019 11:54am
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rockster57



Member Since: 15 Nov 2014
Location: West Yorkshire
Posts: 937

United Kingdom 2011 Defender 110 Puma 2.4 CSW Zermatt Silver
Thumbs Up
Post #761848 4th Mar 2019 11:56am
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PCM



Member Since: 25 Jan 2019
Location: North East
Posts: 868

United Kingdom 
My insurance charges £20 for a policy change. Even if it’s a positive one. (Admiral)
Never been an issue before, but then again never had a defender before either. Now I think it’s a total rip off.
Post #762038 5th Mar 2019 3:34pm
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Silvertoolbox



Member Since: 13 Oct 2018
Location: Westhill
Posts: 43

United Kingdom 
Mine has factory fitted drum winch (L-R Special Vehicles) - is that actually a modification?
One insurer asked if it would make car go faster.
As a friend said, yes if I removed it!
Happy with NFU

It can (will) be a pain if you declare mods. Much bigger pain in event of a claim. Ex scottish & southern 110 Td5 van (shed) with PTO driven winch (L-R special vehicles)
Before that, Disco 1, Freelander 1, 26105382 80" with a 1600cc (not much slower)
Post #762134 6th Mar 2019 9:04am
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newton-tony



Member Since: 18 Sep 2016
Location: Wiltshire
Posts: 122

United Kingdom 2014 Defender 110 Puma 2.2 USW Firenze Red
I just insured my 110 Puma Utility with NFU - despite multiple cheaper quotes I keep reading positive reviews on customer service etc in the event of a claim (obviously, we all hope to never need to use our car insurance).

I was surprised no reduction for a tracker - did others get reductions for professionally installed and monitored trackers?
Post #766591 2nd Apr 2019 8:28pm
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OsloBlue



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

United Kingdom 2003 Defender 110 Td5 XS CSW Oslo Blue
Tony, thatcham have recently changed their security items. Lots of approved items are now disapproved.

Trackers category have been decimated down to cat5A and cat 7S.

Disklok are also now outside thatcham approval.

I believe that insurers are to honor current trackers installed before January of 2019. I'm on IG: https://www.instagram.com/osloblue42/
Current: TD5 '110 "Lucinda" Thread here: https://www.defender2.net/forum/topic62562.html
Post #766612 3rd Apr 2019 9:03am
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newton-tony



Member Since: 18 Sep 2016
Location: Wiltshire
Posts: 122

United Kingdom 2014 Defender 110 Puma 2.2 USW Firenze Red
Thanks and yes, my tracker is S7.
Post #766616 3rd Apr 2019 9:51am
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Adam17



Member Since: 15 May 2018
Location: Within Bedfordshire
Posts: 1193

England 2004 Defender 110 Td5 XS CSW Java Black
These insurance companies will do anything to get out of paying... I have told them everything I know about on my defender, even made changes half way through my policy because I found something a previous owner fitted that I wasn't aware of.

All we can do is be honest, and then on top of that do everything we can to protect our belongings.

UP ALL YOUR SECURITY! then add more, then when you can afford it, add some more.

I will never stop adding security, although im running out of things to add... My next lot will be to secure my driveway. Regards
Adam

Loving The Duchess
The Defender 110 TD5 XS

My Defender story - http://www.defender2.net/forum/topic64005.html
Post #766630 3rd Apr 2019 11:11am
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 344

United Kingdom 
If you have a specific modified policy then minor changes (non performance) shouldn't have much of an impact either way. However if you have a standard policy then add mods then you may find a standard insurer will add premium for cover.

A note on mentioned above with a well known company charging extra... as far as I'm aware they are one of the standard insurers who cover modified vehicle but do not offer cover for the mods themselves - so in a claim mods are excluded. This may have changed but it is worth asking the question to your insurer " you are covering my modified vehicle but are you actually covering my mods?" because customers have come to us after being stung in a claim payout where their £5k worth of mods were not covered although declared.

If you have modifications it's usually worth seeking specific modified insurance via a broker as it's usually better cover and better on the wallet too... welcome to give us a try if you do need a quote as we support the members and I am here for support also but no pressure, just here to help! Thumbs Up

Carlie Howden Insurance - Specialist Vehicle
Call us on 01635 874646 for a quotation
Post #783414 27th Jul 2019 1:21pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 4795

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey
Is it best to email a complete list of mods to you to get an accurate quote and do you do an agreed valuation for modded Defenders? 2015 HT XS 90
2008 SVX 90
2000 XS TD5 90
Post #783474 27th Jul 2019 6:13pm
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