My insurance is up for renewal shortly, so I have been shopping around. I can find only three sources for insurance that includes off-road use - LR Insurance, NFU and Adrian Flux.
The prices vary greatly. Are there any others I should try?
The prices below are for myself/spouse with business use, 20k miles:
LR Insurance £654
NFU - £582
Adrian Flux - £492
All include new (based on £43,500) for old for first year. NFU includes this for two years.
Interestingly, Adrian Flux is based on a Highway policy but does include off-road use. I've had prices from online screen scrapers (Confused.com and Masterquote.co.uk) for Highway policies at £400, but without off-road cover.Matt
The whole off-road cover thing is a bit misleading sometimes, check the cover carefully as it may just extend to green lanes wheich you should be covered for anyway as they're public roads
If there's any insurers out there reading this, if you come up with a decent off-road policy at a reasonable price you're sure to get a few new customers The End
I have a feeling from what the Adrian Flux rep said that theirs could well be just green laning cover.
I think NFU are best in this respect.Matt
5th Oct 2006 11:14 am
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26701
I have NFU, and I was told that it covers off road use, except rallying or time trial use.
5th Oct 2006 11:16 am
simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
same here - NFU on both my vehicles
5th Oct 2006 11:23 am
Dom Harvey Lord of the Four Fingers
Member Since: 15 Apr 2005
Location: Dorset
Posts: 7454
Yup NFU here too 2004 Discovery 3 - gone
2006 Discovery 3 - gone
2008 Discovery 3 GS - gone
2011 Freelander LE Special Edition - gone
2007 Discovery 3 XS - gone
2012 Discovery 4 GS - current
5th Oct 2006 12:44 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50934
I'm with LR insurance...does anyone get any more than this with the other players??
l "Off-road" cover
l New car replacement for written-off cars under 12 months old
l Repairs undertaken by official, approved Land Rover repair centres
l Immediate repair authorisation at Land Rover approved repairers
l Repairs using genuine Land Rover parts
l Courtesy car for duration of repairs at Land Rover approved repairers
l Insurance transfer to service loan car
l Foreign Use Cover for European countries without extra charge
l £50,000 of Legal Expenses cover to recover your uninsured losses
l £150 emergency overnight accommodation
l Unlimited cover for Land Rover audio and road traffic information equipment
l 24 hour Land Rover recovery service (following an accident)
l Up to £275 personal belongings
l £10,000 personal accident benefit
l Protected Bonus available
l Maximum no claims loyalty discount up to 70%
l Quotes guaranteed for 90 days
l Additional lifestyle discounts available
l Low mileage • Garaging
l Payment options: Cheque • Credit Card • Direct Debit - no deposit required
It's pretty much the same as the others, with except from the NFU that give you full invoice value for two years.
The only difference is the repair centre. Many of the others may not use the LR dealer. However, they will be using genuine parts, cos you can only get these.Matt
5th Oct 2006 1:02 pm
blue meanie D3 Decade
Member Since: 04 Aug 2005
Location: Newbury
Posts: 6861
it's worth remembering that you should be able to insist that your insurance repairs are done at a centre of your choice, even if the ins company aren't too keen because they normally have their own list of agents,
I have LR insurance and their claims department are useless. It took 8 months to get payment from a 3rd party which admitted liability - they even upped my premium because they hadn't reclaimed the money even though the othe insurance company admitted full liability. LR insurance call centres are diverted to India (I Think) and I hate speaking on phones with time lag and bad reception.Loving the power of the TDV8!
Only problem with NFU is they won't cover modified vehicles, which is an issue for some of us The End
5th Oct 2006 4:29 pm
SN
Member Since: 03 Jan 2006
Location: Romiley
Posts: 13710
What counts as modified? If its all standard LR bits does it matter? (and I know that doesn't apply to you Si)Steve N | 21MY Defender | 08MY Discovery 3 (history) | 06MY Discovery 3 (ancient history)
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