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gilarion



Member Since: 05 Dec 2013
Location: Wales and Manchester
Posts: 4907

Wales 2007 Defender 90 Other CSW Trident Green
It pays to shop around for insurance I just saved a packet.

This post is not intended to throw scorn on A-Plan insurance who has given me excellent service over the last three years. However, their quote for this year was £680.00 I thought this a bit steep for a mileage of 3000 so I phoned Adrian Flux to see if they could do any better with the price. And they did for exactly the same insurance (classic car) they gave me a quote from Sterling insurance of £209.00 plus £15.00 for the agreed value, one of the reasons for such a low quote is that I received a massive discount for the anti-theft devices I have fitted, which for me was a first.
Removable steering wheel
Parked behind locked gates
Bombproof door devices
Alarm
Tracker
Data tagged
Smart water
Adrenalin Pedal lock
Handbrake lock
Security keyed battery isolator
Krypton cable lock on the bonnet
Immobiliser
Wheel lock
Spare wheel security lock
Sky tag lettering on the roof
To name but a few!
Today I received my agreed value certificate for the amount I specified.
So I am a happy bunny. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..

http://www.youtube.com/user/conwy1

Post #865727 6th Nov 2020 3:18pm
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Swine&Small



Member Since: 20 Mar 2017
Location: Norfolk
Posts: 1198

United Kingdom 2015 Defender 90 Puma 2.2 Landmark LE Montalcino Red

Well done with the quote and I fully understand security, but it must take you 1/2 hour just to get into it to drive.
Rolling with laughter 2015 Defender 90" Landmark Montalcino
1950 Series one 80"
1967 Morris Traveller
2012 VW T5 Camper
2010 Morgan Roadster R100 V6. Sold Thankfully
Quod Abundat Non Obstat.

Post #865733 6th Nov 2020 3:45pm
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gilarion



Member Since: 05 Dec 2013
Location: Wales and Manchester
Posts: 4907

Wales 2007 Defender 90 Other CSW Trident Green

Rolling with laughter So true it's worse when its raining Laughing . All worth it though as a secure Defender makes for a happy owner. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..

http://www.youtube.com/user/conwy1

Post #865734 6th Nov 2020 3:50pm
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keith



Member Since: 15 Aug 2012
Location: Edinburgh
Posts: 1839

Scotland 

They’ll be asking for photographic proof for all those measures taken I’m thinking Shocked

Keith

Post #865736 6th Nov 2020 3:59pm
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gilarion



Member Since: 05 Dec 2013
Location: Wales and Manchester
Posts: 4907

Wales 2007 Defender 90 Other CSW Trident Green

They did along with a report and ten photos of the vehicle..

'Following your application for the Agreed Value to be included on your policy, I can confirm that
your application has been assessed and from the information that you have provided, your
vehicle has been valued at £15000.
Enclosed is your Agreed Value certificate which should be kept in a safe place as this may be
required in the event of a claim.
This Valuation Certificate is valid until the expiry of your policy when you will need to complete
a fresh Agreed Value Application.
Yours sincerely
The Sterling Insurance Services Team' For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..

http://www.youtube.com/user/conwy1

Post #865737 6th Nov 2020 4:02pm
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X4SKP



Member Since: 29 Nov 2013
Location: Berkshire
Posts: 1885

United Kingdom 2010 Defender 90 Puma 2.4 SW Stornoway Grey

Hello Gilarion

Interesting going forward you will probably get 3 years insurance for the old price of 1... Thumbs Up

There has been some recent discussion on D2N regarding the pro's and con's of multi car insurance.
I've just renewed with LV, my security list reads like yours, I also listed all modifications with costs,
my Defender cost more to insure than yours but not by that much (it's less than £250) with the difference probably
accounted for agreed value. I also have a second Land Rover and a Toyota on the policy and all for less
than your initial quote.

Now I know other factors come into this, for us all named drivers have 9+ years NCD and our post code places
us in a low category, but as you say good to shop around and make sure... well done Cool

Swine&Small you make a valid observation... it can feel like a pre flight check list when everything is fully deployed
for me I now have around 12 layers over half require no involvement, when I leave mine I always use 2, removable steering wheel + one more, in total this adds seconds (maybe 10) before walking away, but makes me feel much better as although not (never) 100% secure, I know the 'work arounds' required and think currently I'm on the right side of this is too much effort for most. If I deploy more layers (all mechanical) then I can add a few minutes to 'lock-down'. Still happy with this as the get back to where I am time would be huge... if even possible.

Good luck all SKIP.

Post #865739 6th Nov 2020 4:14pm
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Adammacky



Member Since: 28 Dec 2019
Location: West Midlands
Posts: 241

United Kingdom 

I've just insured with Footman James after a fantastic quote, good cover and also £15 for the agreed value cover too.

Post #865746 6th Nov 2020 5:11pm
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Joe the Plumber



Member Since: 18 Dec 2013
Location: Midlands
Posts: 849

2014 Defender 110 Puma 2.2 HT Fuji White

I've stuck with A-Plan for the last couple of years as my remap means many insurers won't offer cover.

I wonder if it might have been worth ringing them to see if they could offer you a better deal?

Post #865773 6th Nov 2020 7:31pm
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A-Plan Insurance
Site Sponsor


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 291

United Kingdom 

It's a shame we weren't competitive for you this year gilarion and we hope to have you back in future! Thank you for your kind comments of our service Smile it is something we pride ourselves in.

We don't charge for agreed value as it's done directly through the insurer as long as it meets the criteria for it, some companies do charge and this is usually because it's supplied by a third party provider - my advice would be just make sure you're reading the terms if this is the case as some in their terms do say that although it's an agreed value they don't guarantee that figure in the event of the claim (bizarre i know!) - best to double check it.

Carlie A-Plan Insurance
Call us on 01635 874646 for a quotation Click Here

Post #867878 17th Nov 2020 10:19am
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