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Home > Finance & Insurance > Effing direct line insurance. RAI Snorkle WARNING .
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Happyoldgit



Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471
United Kingdom 2015 Defender 110 Puma 2.2 USW Corris Grey
I found LV to be approachable, reasonable, efficient and ok with mods on current and previous vehicles. I changed to them on recommendation after NFU hiked their prices year on year. Steve.
Owned numerous Land Rover vehicles of all shapes and sizes over the decades.
Current Defender: A non tarts hand-bagged Puma 110 XS USW.

[Insert something impressive here such as extensive list of previous Land Rovers or examples of your prestigeous and expensive items, trinkets, houses, bikes, vehicles etc]

http://forums.lr4x4.com

I used to be Miserable ...but now I'm ecstatic.
Post #520921 4th Apr 2016 5:58pm
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miket



Member Since: 05 Oct 2012
Location: Peak District
Posts: 143
I think Direct Line may have a downer in Defenders generally. I don't have any mods on my MY09 110 but they wanted more than £900 at renewal this year so I've switched to LV for less than half.

Joining LV was easy, the problem was speaking to someone at Direct Line - had to call three times, and spend an hour on hold in total, before someone answered and I could finally cancel their automatic renewal.

Mike
Post #520924 4th Apr 2016 6:38pm
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Nevillerover



Member Since: 14 Feb 2015
Location: Suffolk
Posts: 224
United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Sumatra Black
Went with Adrian Flux. A bit more than I was paying with Direct Line but as they now refuse to insure me that's irrelevant. AF's cover also includes green lane and off road cover as standard so for some people, that will be a bonus.
I also did try Peter Best who used to do my landie but they won't touch snorkels now either.
You've got to wonder how many Landies are running round with effectively no insurance and the owners are blissfully unaware like I was. This is a serious issue and the insurance companies should warn about it.
Post #521330 5th Apr 2016 8:52pm
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shaggydog



Member Since: 12 Aug 2012
Location: Kent
Posts: 3347
United Kingdom 1991 Defender 110 200 Tdi USW Arles Blue
Does make you wander why they don't cover it really as it is just a plastic or metal tube.

I bet if you were off road and were damaged in another way they would be the first to say nope you were off road your not covered, so why argue that having an off road modification means they cant insure it if they wont insure what happens off road anyway! Running Restoration Thread http://www.defender2.net/forum/post323197.html#323197

Self confessed mileage hunter Very Happy
Post #521334 5th Apr 2016 8:55pm
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dorsetsmith



Member Since: 30 Oct 2011
Location: South West
Posts: 4554
direct line insurance part of the RBS and 80% owed by us Exclamation

Last edited by dorsetsmith on 6th Apr 2016 7:17am. Edited 1 time in total
Post #521347 5th Apr 2016 9:12pm
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Projectblue



Member Since: 22 Nov 2011
Location: Devon
Posts: 1096
England 
I wonder if it's worth pointing out to the insurance companies that a (or is an?) RAI is NOT a snorkel? Mr. Green New project and it's green: www.projectoverland.info
Post #521374 5th Apr 2016 10:29pm
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Cupboard



Member Since: 21 Mar 2014
Location: Suffolk
Posts: 2971
United Kingdom 2011 Defender 110 Puma 2.4 HT Corris Grey
Nevillerover wrote:
Went with Adrian Flux. A bit more than I was paying with Direct Line but as they now refuse to insure me that's irrelevant. AF's cover also includes green lane and off road cover as standard so for some people, that will be a bonus.
I also did try Peter Best who used to do my landie but they won't touch snorkels now either.
You've got to wonder how many Landies are running round with effectively no insurance and the owners are blissfully unaware like I was. This is a serious issue and the insurance companies should warn about it.


FWIW, a greenlane is a public road so it would be illegal for them to not insure you for greenlanes.
"Off road" cover will very shortly also become illegal for insurance companies to not provide too. Currently insurance is provided for public roads and other places with public access (like carparks) which is UK law. EU law has recently changed in such a way that means the UK law will also have to change, and means that any use "consistent with the normal function of that vehicle" has to be covered too.


https://www.defender2.net/gallery/albums/userpics/16339/cla.pdf
Post #521491 6th Apr 2016 12:10pm
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Browny90



Member Since: 20 Jul 2015
Location: Derbyshire
Posts: 183
United Kingdom 2004 Defender 90 200 Tdi SW Stornoway Grey
I'm with Adrian Flux, I declared allmods including a Safari RAI and they cover it no problem.. they can also cover tyres on a thing similar to windscreens where you pay a small excess and dont lose your NCB.. they cover off roading and greenlaining and give forum member discount..

I pay £500 a year, thats for my 200 tdi 90, a 2004 Freelander and a 2011 Freelander for me and the misses.. I didnt think it was that bad..

Worth a call anyway.. unless of course they have recently changed their policy on RAI... Shocked My 1986 90 is currently on a full rebuild, with new chassis, Paint etc.. Very much a hybrid, TD5 Chassis, tub & bulkhead with a 200TDI and LT77 GB Painted in Stornoway Grey Smile 2 years off the road, but getting close to completion now
Post #521495 6th Apr 2016 12:39pm
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ken



Member Since: 18 Aug 2009
Location: Banging Birds with my bitches !!
Posts: 4328
United Kingdom 
Just refer to the RAI as being an additional DPF (dust particle filter) Rolling with laughter confuses the hell out of them Thumbs Up
Post #521504 6th Apr 2016 1:08pm
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Swac3



Member Since: 21 Feb 2015
Location: Aberdeen
Posts: 363
Quote:
FWIW, a greenlane is a public road so it would be illegal for them to not insure you for greenlanes.
"Off road" cover will very shortly also become illegal for insurance companies to not provide too. Currently insurance is provided for public roads and other places with public access (like carparks) which is UK law. EU law has recently changed in such a way that means the UK law will also have to change, and means that any use "consistent with the normal function of that vehicle" has to be covered too.


In which case they can simply refuse to insure any vehicle type/model that they choose, snorkels, modifications or not.
Which just narrows our choices come renewal time sadly. 3 Landrovers
Post #521572 6th Apr 2016 4:17pm
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