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| Shafski Member Since: 19 Jun 2023 Location: Chilterns Posts: 125   
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Can’t answer the alloys question but my utility is insured as a van (NFU) if that helps? Shafski
_________________________________________ 2015 110 Montalcino Red Utility "Harriet" along with Puma on I.C.E |
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16th Sep 2025 5:18pm |
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| blackwolf Member Since: 03 Nov 2009 Location: South West England Posts: 17952 
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Are the wheels 16" or 17"?
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16th Sep 2025 5:31pm |
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| Mdm Member Since: 11 Sep 2013 Location: Sunny Lancashire Posts: 1665
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i suspect itll be n1 or n2 on v5 so a commercial spec so i would say van insurance.
suspect wheels are aftermarket as they are not the oe spec of silver n black but to most folk they look std so thats what i would go for |
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16th Sep 2025 6:44pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 3389
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l have just done an online quote with Carole Nash and had a very good price of under £600 for 12 months cover.
l put down the aftermarket wheels, tow bar and side steps as "modifications" l've no NCB because it's on my existing Defender which l am keeping. But Carole Nash seem to have given a discount based on my NCB on the other car. l will need to call them tomorrow to make sure it's not too good to be true. NFU offered an "introductory discount" of 45% but their quote was still just over £1,300 Couple of other quotes were around the £1,000 mark. l have to say, the NFU policy was very good with hardly any excess and everything included where the Carole Nash quote doesn't even include legal expenses which was an extra. But l can't afford £1,300 Last edited by lightning on 16th Sep 2025 7:15pm. Edited 1 time in total |
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16th Sep 2025 7:11pm |
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| peanutbob Member Since: 12 Feb 2009 Location: UK Posts: 342
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I’m with the RAC with my 90 puma hardtop . I received an email from them 2 weeks ago to say that as from November they will no longer insure it as it is a van. The policy is underwritten by Aviva whom they said to contact direct for a quote .
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16th Sep 2025 7:15pm |
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| seriesonenut Member Since: 19 Nov 2014 Location: Essex Posts: 1256
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When I was running my Utility I went for van insurance. They asked if it was private or commercial use and even had drop down menus for roof racks, tow bars and winches! 1984 One-Ten CSW
2010 XS USW (sold) 1957 Series One 88 diesel 1958 Series One 88 4x2 1990 Defender 200tdi CSW (sold) 1989 Land Rover Ninety (sold) 1998 Discovery 2 (sold) 1995 Discovery 1 (auto) (sold) 1990 Discovery 200tdi (sold) 1987 One Ten CSW turbo diesel (sold) |
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16th Sep 2025 7:35pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 3389
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Thanks l will give that a try.
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17th Sep 2025 8:01am |
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| JOW240725 Member Since: 04 May 2015 Location: Suffolk Posts: 7939 
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Don't forget forumn sponsor A-Plan, sorry Howden Thatcham office!
They look like 18" sawtooth, so will be aftermarket. I think on the V8 Special Editions got 18" from factory. 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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17th Sep 2025 5:55pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 3389
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Currently Carole Nash are quoting £560 including business use, and aftermarket wheels/side steps/towbar declared.
That's with effectively no NCB as l am keeping my other Defender. l'll give A-Plan a try in the morning. |
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17th Sep 2025 6:04pm |
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| Stacey007 Member Since: 25 Sep 2015 Location: Cheshire Posts: 3865
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Basically I tell the insurance all items that are not standard,
They will be quick enought to get out of anything if they find out your car is not as insured... Those are 18" and will be aftermarket on your car. wheels A frame Remap Seats Wheel towbar led lights Everything is listed, the only thing that really adds is the remap and even then its not much as its hardly quick. |
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18th Sep 2025 2:38pm |
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| Welshsurferdude Member Since: 23 Feb 2012 Location: Newport Posts: 2519 
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if its a utility station wagon
its commercial 2011 Santorini Black USW XS. 2015 Discovery 4.5 Black pack Firenze red XS |
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18th Sep 2025 4:34pm |
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| BrickBox Member Since: 05 Oct 2021 Location: Wales Posts: 1062 
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Not correct - my USW is M1 non commercial - from factory. 2017 5.0 V8 Supercharged RRS SVR
2008 2.4 110 Utility Station Wagon XS. |
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18th Sep 2025 4:48pm |
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| Welshsurferdude Member Since: 23 Feb 2012 Location: Newport Posts: 2519
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prob a Friday afternoon screw up at LR lol 2011 Santorini Black USW XS.
2015 Discovery 4.5 Black pack Firenze red XS |
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18th Sep 2025 4:49pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 3389
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All Defenders after 2011 were "Commercial" to avoid emissions legislation.
Had a quote from A-Plan (Howdens) the girl was very helpful but it was over £1,000 |
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18th Sep 2025 6:33pm |
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