 | Home > Finance & Insurance > NO ONE WILL INSURE A 2016 DEFENDER!!! PLEASE READ |
 
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| AMBxx Member Since: 24 Jul 2016 Location: York Posts: 1066   
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Works the same in the UK but only if you agree to it. I get 30 days notice of new premium to switch.
For my 2016 110 XS SW, it's about £300 from One Call. That's in rural Yorkshire, garaged at night. Business use included. |
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21st Dec 2023 8:06am |
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| macfrank Member Since: 05 Nov 2015 Location: somewhere in the north Posts: 1124  
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Ah, that sound more reasonable. My impression was, that you had to actively renew each year and could end up with no insurance. Then Jerry's and others' case was "just" about getting a lower premium (no offence, just trying to understand the system)?
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21st Dec 2023 9:54am |
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| Jerry Member Since: 13 Nov 2015 Location: Cardiff Posts: 203 
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Most companies offer renewal each year (and increase their premiums) but A-plan, a major broker for defenders, has declined to renew mine and others this year. So we are scrambling around with only a couple of brokers (their associated companies) now offering insurance.
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21st Dec 2023 1:02pm |
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| macfrank Member Since: 05 Nov 2015 Location: somewhere in the north Posts: 1124
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Ok, I see. Then maybe it's just the wording. Here we're not "offered a renewal" which we then accept or decline. It's just auto-renewed / extended if you yourself don't actively cancel by 30th Nov. If the isurer doesn't want you anymore, they have to cancel the contract, but that's usually only the case if your indiviual case became too expensive. Thanks again for the intercultural insights
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21st Dec 2023 1:28pm |
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| Cragster69 Member Since: 15 Jun 2021 Location: Scotland Posts: 235  
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Just renewed with Howdens/A Plan.
Call started with the difficulties of insuring Defenders and the rising cost of Insurance. Was expecting to be told sorry no can do, or an extortionate premium After removing the 500 Business miles I had on in just in case my Wife needed it for attending a birth in inclement weather. The Business miles also required me to take out a multi car policy. End result I ended up with a cheaper premium than last year. Craig. “Don't believe everything you read on the internet.” ― Abraham Lincoln www.scotgrc.co.uk |
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3rd Jan 2024 6:01pm |
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| Joe the Plumber Member Since: 18 Dec 2013 Location: Midlands Posts: 921 
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My 2014 110 hardtop is with A Plan/Howdens. It has various practical mods (nothing cosmetic) and a BAS 170 remap, with the hoses and intercooler.
Last year I paid £335. This year, the best they can do is £610. I said I'd think about it, but after reading this, I'm probably going to have to take it. The daft thing is, it's now on SORN, has perhaps done 200 miles in the last year and I'm going to sell it when I can muster the enthusiasm, as I've retired and I don't need it any longer. I think I can feel the enthusiasm building rapidly now. Our (Fiesta) car insurance renewal was £1 more than last year. Is there anything left in Britain that isn't a rip-off? |
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21st Feb 2024 11:41am |
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| Bobtailkev Member Since: 17 Mar 2016 Location: Suffolk Posts: 111 
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We are currently with NFU for our 2015 Double Cab. I dread to think what the renewal price will be in July. Our daughter, who is 30, has just had to pay over £1000 for her Evoque with 13 years NCB, which is double last year’s premium. They really have got us over a barrel haven’t they?
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21st Feb 2024 6:53pm |
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| Joe the Plumber Member Since: 18 Dec 2013 Location: Midlands Posts: 921
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They have. I managed to get mine down to just under £600 with a bit of grovelling earlier on today, but as I decided to pay it in monthly instalments, it's going to end up as nearly £700. I really must sell it.
The lady at Howdens said most of their insurers won't touch Land Rover vehicles at all now. |
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21st Feb 2024 8:25pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 3237
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l was reading through this thread with interest, the insurance on my 2022 90 HT went up from £300 to £700
What amazed me was some people managed to insure old style Defenders for £50,000 and £60,000. My local LR specialist dealer recently sold a 16,000 miles Puma 90 SW for £26,000 and they've got an unmarked 110 Puma SW at £29,995 l've been looking at a beautiful 22,000 mile 110 USW XS at £37,995 When l had my pristine 110 TD5 l couldn't get anyone to value it over £18,000. How are you getting agreed values of £50/60,000 with your insurance? |
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16th Mar 2024 12:55pm |
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| Bazarre13 Member Since: 31 Aug 2022 Location: London Posts: 27 
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Reading this thread with horror at the moment!
Only relatively new to Classic Defenders and loving my 2016 110 XS (modified/accessorized) but not the insurance side of it. Only a 2yr NCB (very nearly 3) and living in SW London with street parking may be an issue but multiple CCTV coverage, 2 trackers, Disklok and Pedal Lock plus 6’4” with a turn of speed and a big stick! Was with The AA first year but they ceased coverage! Currently on a trip through France and into Spain for which I gave AdrianFlux months of notice with Markerstudy underwriting on £1500 insurance premium. Prior to leaving had some more great work done by UK Defenders in Edenbridge (cheers Jon Harry and Don the AE) and thought I would kick off my agreed value with AF ahead of renewal next month. Now sitting outside Bordeaux having received a cancellation of insurance SMS with 7 days notice but 10 days until back in the UK! To be fair to AdrianFlux, their customer service was very open and admitted they’d NEVER seen anything like it - AF agreed value but Markerstudy immediately cancelled coverage (well 7 days notice) due to AF Agreed Value. So now scrambling to find coverage after 1 sleepless night - quotes sought from most mentioned here - NFU, Lancaster, Saga, Brentacre pending but will be seeking more, let alone European coverage and breakdown with a whine now noticeable at low speed in first, second and third disappears at higher speed and sometimes no whine (I think/hope). Was okay at an ESTIMATED value of £5K less than AF AGREED value but the increase tipped it over the edge it seems which there is mention of here on the thread? Wife looking perturbed too - FML lol Bazarre13 Learning to live with a Defender in London MY2016 110 XS SW Black Pack in Indus Silver |
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16th Jul 2025 5:20am |
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| AMBxx Member Since: 24 Jul 2016 Location: York Posts: 1066
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Admiral appear to like Land Rovers. Much cheaper for my wife Disco Sport than anywhere else. Currently have that and my Defender with the multi-car discount. Not sure about mods and agreed value.
I was insured with One Call for years. Very good quotes. Then I read the small print and noticed that stating that Defender is 'normally kept in a locked garage' actually meant that I wasn't insured if I left it on the locked drive overnight at home or parked with 1/4 mile of home overnight. Bit of a problem if I ever need to use the garage as an impromptu workshop. |
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16th Jul 2025 9:18am |
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| Bluest Member Since: 23 Apr 2016 Location: Lancashire Posts: 4289 
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Just be cautious with the breakdown cover. Most won't cover you abroad if you are already abroad when you take it out. Mine definitely has that clause and I almost fell foul of it.
As for finding a policy, good luck. Recommendations are of limited value as it's so specific to your individual circumstances. You could try Howdens (Thatcham branch) who were historically good for forum members, I'm still with them. I'd be focussing on the brokers that deal with classics, modified vehicles etc. rather than the mainstream firms. 2007 110 TDCi Station Wagon XS |
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16th Jul 2025 12:05pm |
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