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Insurance Renewal time
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DeRanged Rover
 


Member Since: 04 Jul 2013
Location: London
Posts: 125

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Marmaris TealDiscovery 4
Insurance Renewal time

And the quote from Admiral - Whom I have been with for the last 5 years was rubbish. Almost 300 quid more than last year.

Done some searching via the comparison sites etc and have got a whole lot of significantly cheaper quotes. Called Admiral and for the first time ever, they were unable to better my cover!

A Plan have got me circa 900 with COVEA - but they don't seem to have good reviews online.

Anyone here with Directline who have given me a sub 700 rate? Also, anyone used Brightside who were cheapest on the comparisons ...

C
 D3 Offroad Prepped - Gone to Kenya
FFRR - Gone
D4 HSE 
 
Post #19348169th Apr 2018 12:29 pm
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LT
 


Member Since: 31 Dec 2005
Location: South West
Posts: 9079

2016 Discovery 4 3.0 TDV6 Landmark LE Auto Santorini BlackDiscovery 4

NFU are the cheapest for me. A London postcode may not be to their liking though.
 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) 18" Compomotive PD1881 rims. 
 
Post #19348179th Apr 2018 12:38 pm
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Philip1972
 


Member Since: 10 Mar 2017
Location: Gloucestershire
Posts: 653

United Kingdom 2011 Discovery 4 3.0 SDV6 GS Auto Zermatt SilverDiscovery 4

Just been trough the same.

£594 renewal (Hastings).

Really couldnt be arsed doing whole comparison thing, so called them up.

30 seconds later and it was £401.

Nothing to do or set up. Winner as far as I am concerned.
  
Post #19348209th Apr 2018 12:49 pm
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professorpool
 


Member Since: 19 Mar 2012
Location: Woking
Posts: 3135

Wales 2007 Discovery 3 TDV6 SE Auto Java BlackDiscovery 3

A number of larger re-insurers have apparently pulled out of the motor market.

Best to shop around the usual places.
 D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven

Jeeps, Lexus, X-trails... Too many to name.. 
 
Post #19348319th Apr 2018 1:25 pm
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Washwipe
 


Member Since: 19 Apr 2013
Location: Bucks Oxon Herts Border
Posts: 2381

England 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4
Re: Insurance Renewal time

DeRanged Rover wrote:

Anyone here with Directline who have given me a sub 700 rate? Also, anyone used Brightside who were cheapest on the comparisons ...

C


You must be following me around by a couple of years, Admiral, had a nightmare screen fitting with them, price kept going up, jumped over to A Plan, but the following year the policy went sillly, renewed with Direct Line last year, renewal has just hit the doormat, increased by £50 to £465.

Not accepting it yet, A Plan coming back to me and last year Admiral offered me £100 off to go back, had appproched neither this year, they called me but would have to be a very goood quote from Admiral for me to renew.
  
Post #19348449th Apr 2018 2:37 pm
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EMcC
 


Member Since: 10 Jul 2015
Location: Durrington Wiltshire
Posts: 493

England 

I had my D4 with A Plan at Thatcham, renewed it in January for £437.80
I have just changed the D4 for a D5 and contacted them to update the vehicle details on my present Insurance and was told they would have to cancel my present policy and do a complete new search.
After an hour I heard nothing so rang them to see what they came up with but during the meantime I did a search on my PC and came up with a new 12 month policy with LV for £504.00.
A Plan told me they would have to cancel my present policy and refund £307 but the cost to take out a new policy would cost me £700 + with LV !!
All rather strange methinks. I would have expected them to just change the vehicle details with my present company and adjust the premium slightly.
  
Post #193613813th Apr 2018 3:13 pm
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Washwipe
 


Member Since: 19 Apr 2013
Location: Bucks Oxon Herts Border
Posts: 2381

England 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Not surprising, I was insured with Esure prior to getting a D4, Esure wouldn’t insure me, apparently a six month old D4 was on ther list of vehicles they wouldn’t insure, they cancelled the policy with immediate effect, refunded in full, no penalties. Admiral on the other hand didn’t have a problem and was actually cheaper to insure than the FL2 was with Esure.
A Plan this time round came in £300 more than Direct Line Neutral
  
Post #193620813th Apr 2018 6:22 pm
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KTM Gordo
 


Member Since: 18 Jul 2017
Location: St Neots
Posts: 98

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Yulong WhiteDiscovery 4

I'm with Direct Line who, for me, were cheapest by far. Even the specialist Land Rover brokers were up in 4-figures.

Every underwriter has their 'ideal risk', the person and vehicle they really want to insure - which could be a 37 year-old insurance salesman with a three-year old Ford Mondeo LX and a clean licence in Bracknell.

The further your profile is from the 'ideal', the more you'll pay. When you see the truly ridiculous premiums being quoted, that's the underwriter saying "we really don't want you, but if you insist we'll make it worth our while".

No one insurer will be the cheapest for everyone, and make sure you read the terms and conditions if there's something you particularly want to be covered or are thinking of changing your car mid-term to check what admin fees are payable. Or if the policy will be cancelled if you make a total-loss claim etc.

If your vehicle is mostly standard, use the comparison sites to shop around, but also look at Direct Line and Aviva, neither of which are on comparison sites. Double-check the policy you're offered though as I've come very close to buying what I thought was a fully-comp policy at a good price only to find it was actually TPO as the insurer ignored my selections.

And if you're thinking of going TPFT, get a price for fully-comp too as, bizarrely, it can often be cheaper.

If you go via a cash back web site then you can often get a little extra back on the premium once you sign on the line too, especially from the big names.

HTH Smile
 Gordon

2016 D4 Landmark
2013 D4 HSE (Gone! Sold within the forum) 
 
Post #193622713th Apr 2018 7:25 pm
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gareth71
 


Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 140

Wales 2009 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Washwipe wrote:
Esure wouldn’t insure me, apparently a six month old D4 was on ther list of vehicles they wouldn’t insure


But ... why?? Shocked
  
Post #193639714th Apr 2018 12:44 pm
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Washwipe
 


Member Since: 19 Apr 2013
Location: Bucks Oxon Herts Border
Posts: 2381

England 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Just wouldn’t, clean licence, no claims for over twenty years, beeen with them for over five years in that time claimed for a screen, nothing more. Just refused to cover a late Disco. Neutral
  
Post #193640414th Apr 2018 1:14 pm
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