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Gal Dove

Member Since: 22 Jan 2022
Location: South Wales
Posts: 62

2014 Defender 110 Puma 2.2 USW Corris Grey

Direct Line insurance

Hi all!
Apologies if this has already been covered on here, but is anyone else having issues with Direct Line refusing to cover their Defender?
I'm running two Defenders - a 2016 90XS, and a 2014 110XS Utility. Both cars are stock and un-fettled with. My wife & I have 100% clean licenses and no accidents - ever!
Both were insured with DL up until March of this year when I decided to move to another insurer as they were offering a good deal on a multi car policy.

This policy is now due to renew in a few weeks so I thought I'd check back with DL to see what they are now offering.
On asking for a quote they told me that the cars are both vans - and sent me over to their van section. The van section told me that they are cars and sent me back to the car section.

To cut a very long story short, DL are unable to insure the cars - not me or the wife - just the cars. So I'm going to have to either stay where I am or look for another insurer. It's not a major issue as there are plenty of insurers around - just wondered whether anyone else has had a similar issue - and also whether there are any recommended insurers out there for two cars like these - both only covering around 2k miles per year and driven by 100% clean drivers? Wouldn't have thought that this would have been a big ask ??!!

12th Sep 2023 3:56pm

seriesonenut

Member Since: 19 Nov 2014
Location: Essex
Posts: 1205

I had the same issue with my 2010 110 USW. Refused to renew as it is a 'commercial vehicle'. It is used as a car, covers about 3k pa.

Answer, I insured it on van insurance, private use. The insurer recognised it from a list (try to explain to mainstream insurer what a USWis).......

It gave options including roof racks, tow bars, winch etc all from a pick list (refreshing)

Bottom line I saved £100 on my renewal as well. Fully comp with NCB protected. Probably worth a look 2010 XS USW
1957 Series One 88 diesel
1958 Series One 88 4x2

12th Sep 2023 5:09pm

JOW240725

Member Since: 04 May 2015
Location: Suffolk
Posts: 7875

2012 Defender 110 Puma 2.2 XS CSW Orkney Grey

I think all insurance is going up and being more pciky who they'll cover.

You should try forum sponsors A-Plan, although from recent posts they're not immune to the above issue either. 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

12th Sep 2023 5:44pm

scotsstag

Member Since: 17 Jun 2012
Location: D+G
Posts: 534

Hey Gal,
My circumstances regarding claims and accidents are the same as yours.
My vehicle is a 90CSW and insured fully comp with zero voluntary excess.
I must add we are both OVER 50 so qualify for Saga Ins

Click image to enlarge 04' 90 Td5 CSW..

13th Sep 2023 11:32am

Daysleepers

Member Since: 15 Dec 2022
Location: Suffolk
Posts: 108

2007 Defender 110 Puma 2.4 DCPU Keswick Green

Our multi car insurance is up for renewal. We are with Ford Insure, out renewal went for £700 to £1300 for the year.

This included two claims actually dropping off, not our faults, but on the record.

I’ve shopped around and have managed to negotiate down a few places but still well over last years price.

A Plan were lovely to deal with but quoted me basically £1000 just for my defender.

13th Sep 2023 11:47am

Gal Dove

Member Since: 22 Jan 2022
Location: South Wales
Posts: 62

scotsstag wrote:
Hey Gal,
My circumstances regarding claims and accidents are the same as yours.
My vehicle is a 90CSW and insured fully comp with zero voluntary excess.
I must add we are both OVER 50 so qualify for Saga Ins

Click image to enlarge

Thanks to everyone for your replies so far.

Just to make things clear, I'm 53y/o and my wife is 48y/o. These cars have gone up in value so I'm estimating that their combined value would be circa £80k. (The 110 has 23k miles and the 90 only has 12k miles). So I'm not oblivious to their (apparent) market value - ridiculous though that is, considering how these things are nailed together!

My total renewal for last year was £370. They're asking me for £615 this year - after no claims, nothing.
I know that some might say that this is a very reasonable price to insure both cars but it's almost a 100% relative increase in price since last year. The insurer is currently LV.

13th Sep 2023 12:11pm

JOW240725

Member Since: 04 May 2015
Location: Suffolk
Posts: 7875

You may be interested in this thread, particualrly the response from A-Plan https://www.defender2.net/forum/topic88897.html 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

13th Sep 2023 12:55pm

Gal Dove

Member Since: 22 Jan 2022
Location: South Wales
Posts: 62

Many thanks. Very interesting stuff!

13th Sep 2023 10:09pm

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