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Snowy90



Member Since: 23 Feb 2015
Location: Surrey
Posts: 321

United Kingdom 2008 Defender 90 Puma 2.4 XS CSW Fuji White

I have a list of all my mods and update when i change anything! and send them to the broker Reasons

1) They may not pay out
2) if you add the value you MAY get something back for all of your hard work.

Have used Adrian Flux, Lancaster, even admiral premiums havent changed when i mention the changes from standard.

Only pain is you have to speak to them and run through you cant use search engines, so get a quote as standard then give em a call, a mornings time at worst.

Post #795589 28th Sep 2019 11:39am
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 431

United Kingdom 

Im Still wound up why a snorkel can be an extra £50 , Not exactly going to make a 300tdi go at warp speed with or without it .

Would like to take a look at the auto express TIM ,

Another thing i guess i need to declare is an after market radio , Would that be a reason not to pay out . Has everyone declared theres if changed . Im paranoid now lol , ie what about dash bulbs from white to green , Boost gauge .

Post #795917 29th Sep 2019 8:42pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 3697

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey

Bongo I spent a whole Saturday morning sending Aplan a list of every mod, dated fitted, cost etc, I had to keep looking at the Defender because I couldn’t remember every mod , apart from scaring myself how much I have spent Rolling with laughter I know every single mod has been declared totally Thumbs Up it’s worth making sure every mod is listed just to be on the safe side. 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 #795921 29th Sep 2019 8:49pm
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 431

United Kingdom 

Will do ive come this far i may as well dot the i's , ie radio/cd , couple of gauges and dual charge . I doubt it will effect it much, soon as the proposal comes i will contact them and get them added before it starts .

Post #795934 29th Sep 2019 9:28pm
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 431

United Kingdom 

Shocked

Sulisuli wrote:
Bongo I spent a whole Saturday morning sending Aplan a list of every mod, dated fitted, cost etc, I had to keep looking at the Defender because I couldn’t remember every mod , apart from scaring myself how much I have spent Rolling with laughter I know every single mod has been declared totally Thumbs Up it’s worth making sure every mod is listed just to be on the safe side.
I had that very same thought in my head how much this bit and that cost . Shocked

Post #795936 29th Sep 2019 9:30pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 3697

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey

I can’t imagine it will add much if anything, when I changed my exhaust a couple of weeks ago, I rang them (after I had brought it but before fitting, should have asked pre purchase Rolling with laughter ) let them know I was planning to fit it and there was no increase whatsoever 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 #795937 29th Sep 2019 9:31pm
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 431

United Kingdom 

just done another list , when will it end .

batt dual charge
batt isolator Switch
radio/cd
anderson socket
rear 12volt socket
Dog guard ?????

rev , EGT ,boost gauges pending .

Hope your right Sulisuli , here goes
edit update final list . including all the above + alloys , moto s/wheel , rear interior led , spots , rock sliders , swing away , silencer removal pipe , 7 seats . ..
do have limited mileage but i dont do any mileage price stayed at £310 even adding the extras .

Post #795947 29th Sep 2019 10:16pm
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Albion



Member Since: 08 Dec 2014
Location: Oxfordshire
Posts: 128

United Kingdom 2010 Defender 90 Puma 2.4 XS CSW Stornoway Grey

I”m currently with NFU and advised them I was thinking of doing a BAS2 remap from 122bhp to 165bhp...they have just advised that their underwriter is more than happy to accommodate this change - for a 30% increase in the premium! Embarassed

Interestingly , no increase for any of the many mods including new ICE, LEDs, wheels, wheel carrier etc etc.

Post #798274 15th Oct 2019 12:10pm
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rallysteve



Member Since: 10 Feb 2014
Location: Rotherham
Posts: 1231

United Kingdom 1984 Defender 90 V8 Petrol PU Caledonian Blue

NFU are a joke when it comes to modifications. I am sure our previous policy document included:

- Alloy wheels - the only one they actually specifically listed!
- Additional engine cooling - aftermarket inter cooler
- Special adaption for disabled use (e.g. tail lift or winch) - as they claimed they didnt have 'winch' listed
- Other modification x 4 - they apparently couldn't list spotlights, rock sliders, snorkel etc.

Rolling with laughter 02' 110 TD5 Double Cab
84' 90 3.9 V8 Caged Pickup Build Thread

Post #798279 15th Oct 2019 12:35pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 6011

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey

^^^^ Unfortunately, I agree. My local NFU were over twice the premium based on a standard 110 compared to A-Plan including all the modification. As soon as I mentioned remap they didn't even want to quote! No consistancy!

Going back 20 years the NFU insured my converted 90V8 as a standard diesel turbo Shocked 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

Post #798303 15th Oct 2019 2:00pm
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othorton



Member Since: 22 Jul 2019
Location: London
Posts: 36

United Kingdom 2005 Defender 90 Td5 CSW Java Black

I had a fairly interesting experience with Adrian Flux and NFU (ended up with Flux as was almost £600 cheaper).

In both cases, my Twisted wheels were not covered as an extra value due to them being aftermarket and not manufacturer fitted.

Neither company was aware of what a removable steering wheel was/were unable to input it into the system. NFU tried to input it as Interior trim upgrade, and Adrian Flux told me they couldn't put it down.

For reference my insurance is £900 for a 25y/o, 3years NCB

Post #798513 17th Oct 2019 1:20pm
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 431

United Kingdom 

Not everything i told them about is on my policy and i queried this , They said they cant always enter everything into the system like rock sliders and spots as there's no category for certain items , but said as long as its in there notes your good to go .
Does make you wonder , ie if its ON there list they charge you stupid , if not on the list its a free mod .

Post #798557 17th Oct 2019 7:29pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 3697

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey

Oh the joys of insurance companies Whistle 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 #798573 17th Oct 2019 8:40pm
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Bongo1



Member Since: 02 Nov 2018
Location: Cheshire
Posts: 431

United Kingdom 

But i cant complain £310 with A-PLAN for everything all the long list of mods , when i was paying SABRE £345 for bog standard and started to leap up with mods , all as previously stated.

Post #798808 19th Oct 2019 8:27pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 3697

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey

Pleased you got it assorted 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 #798809 19th Oct 2019 8:35pm
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