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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 385

United Kingdom 

So if you have a snorkel fitted and/or larger intercooler your insurance is higher . ??
I was thinking of a better intercooler , but more importantly i do have a snorkel and have not disclosed it , Do i have to .
Its a def 300tdi

Post #780197 4th Jul 2019 9:16pm
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Nevillerover



Member Since: 14 Feb 2015
Location: Suffolk
Posts: 207

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Sumatra Black

What I mean is if you have a snorkel and you are with Direct Line, you have no insurance, they will not cover you.

Post #780203 4th Jul 2019 9:40pm
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 385

United Kingdom 

How weird , I Had a panic on then , I thought i needed to call my broker asap .

Post #780205 4th Jul 2019 10:12pm
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SteveK



Member Since: 21 Jan 2015
Location: Bromsgrove
Posts: 191

United Kingdom 2002 Defender 110 Td5 HT Portofino Red

Whichever insurer or broker you are with, it is important that you tell them about all modifications otherwise your policy could be voided!

Post #780226 5th Jul 2019 5:23am
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pawsinmud



Member Since: 08 May 2016
Location: Hampshire
Posts: 3

United Kingdom 2016 Defender 90 Puma 2.2 SW Corris Grey
Insurance

I find Direct Line are good and pay £230 a year for a 2016 90 XS CSW. I think the main influence on their prices is how your profile fits into their little boxes though, so you need to try quite a few. A lot of the big players are not on the comparison sites so you need to go direct to them.

Post #781110 11th Jul 2019 12:36pm
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AndyT66



Member Since: 19 Sep 2016
Location: Bedford
Posts: 115

England 2004 Defender 90 2.5 TD XS CSW Zambezi Silver

Second year with Aviva for me, dropped to £180 fully comp, 4 years NCD.2004, 90 station wagon

Post #781193 11th Jul 2019 11:31pm
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andydef90



Member Since: 09 Feb 2015
Location: yorkshire
Posts: 340

United Kingdom 2014 Defender 90 Puma 2.2 HT Corris Grey

mines 240 with a guaranteed value with Hastings do comparison with the likes of go compare . prices are going up due too theft

Post #781873 17th Jul 2019 2:13pm
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 233

United Kingdom 
Insurance

Hey!

Just to clarify as above, some insurers will straight up void your cover if you have undeclared Mods - every mod whether its spotlights, a winch, snorkel etc should be declared just to make sure you are covered correctly. Otherwise you are just paying for an expensive piece of paper... some insurers are more lenient and may say you need to pay x amount difference in premium to keep cover but this isn't common and it will depend on your insurers terms and processes which do vary.

Be very careful about how you ask about your mod cover too, some "standard" insurers (I can't name names but you will find them on comparison sites) will cover a modified vehicle, but if you ask are my mods covered the answer is no, so in the event of a claim you may come up short as they will only payout for the standard vehicle and exclude mods, so even if you spent £5k on modifications it won't be taken into account when written off for example.

If you have mods it's best to go for modified insurance when you can, it's often more cost effective and holds more financial benefit if the worst was to happen. If anyone would like a quote we are here for the members and we offer like for like modified cover, contact details below, but if you are unsure on whether your current cover covers the mods as well it is worth making a quick phonecall to your insurance before finding out the hard way Big Cry

01635 874646
www.aplanspecialist.co.uk
Monday - Friday 8.30am - 5pm
Saturdays 8.30am - 12noon

As always, I'm here to help and feel free to PM me
Carlie Thumbs Up A-Plan Insurance
Call us on 01635 874646 for a quotation Click Here


Last edited by A-Plan Insurance on 27th Jul 2019 9:59pm. Edited 1 time in total

Post #783411 27th Jul 2019 2:06pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 3592

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey

Carlie
Thanks for the post, is it best to email you with a complete list of mods to get an accurate quote or is it best to ring? Being a sewage diver at least I know how deep the 💩 will be at work today.
2015 HT XS 90
2008 SVX 90
2000 XS TD5 90

Post #783473 27th Jul 2019 7:11pm
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 233

United Kingdom 

Best to ring... partly because I'm on Maternity leave but still doing this because of my love of the club! Cool
But we do only do quotes over the phone Smile 01635 874646... as local branches dont have the specialist cover for 4x4 off road or Modifications
Thumbs Up
Carlie A-Plan Insurance
Call us on 01635 874646 for a quotation Click Here

Post #783535 27th Jul 2019 10:01pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 3592

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey

Wow that’s what I call dedication, answering on a Saturday night whilst on maternity leave, that’s impressive Thumbs Up Being a sewage diver at least I know how deep the 💩 will be at work today.
2015 HT XS 90
2008 SVX 90
2000 XS TD5 90

Post #783536 27th Jul 2019 10:04pm
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 233

United Kingdom 
I know right..

I know right... you lucky lot! Very Happy
My baby is 15 weeks old so don't be surprised if I respond at stupid hours 😂 sleep is overrated! A-Plan Insurance
Call us on 01635 874646 for a quotation Click Here

Post #783545 27th Jul 2019 11:21pm
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