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Charliefox



Member Since: 03 Oct 2013
Location: County Durham
Posts: 56
United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Corris Grey
New DCPU insurance - will anyone cover me?
Good afternoon one & all,

It would appear that trying to get my new DCPU insured is not going to be as easy as I first thought.

Due to arrive in Mid November is a Corris Grey DCPU in XS spec.

When it arrives, I'll be refitting my Patriot rack with tent, lights, awning etc.

Can I find anyone to quote me, apart from Adrian Flux, my existing insurers? It would seem the answer is No.

Due to Defender's current commercial status it rules out many of the online comparison sites who can't understand a commercial vehicle NOT being used for commercial purposes.

I would like to flag up 3 companies who deserve special attention:

Both LANCASTER & SURETERM DIRECT will not insure a Defender UNLESS it has a Thatcham approved alarm system fitted. I can confirm that current 13MY Defender alarm's are NOT Thatcham approved.

LAND ROVER INSURANCE, whilst recognising my highly unusual DCPU spec (?) couldn't believe their ears when I told them I was going to fit the aforementioned accessories and were unable to quote me.

So, question - has anyone recently insured a Defender, admitted to adding certain accessories AND been very clear on the type of alarm fitted?

I've tried just about all the top 10 insurers bar NFU so far. Any help would be appreciated otherwise Mr Flux will grudgingly get my business due to lack of competition.

Any help much appreciated Smile Chris
Post #274818 18th Oct 2013 1:39pm
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LandRoverAnorak



Member Since: 17 Jul 2011
Location: Surrey
Posts: 11324
United Kingdom 
Why bar NFU? They consistently come out as one of the most accomodating insurers, albeit not necessarily the cheapest. Darren

110 USW BUILD THREAD - EXPEDITION TRAILER - 200tdi 90 BUILD THREAD - SANKEY TRAILER - IG@landroveranorak

"You came in that thing? You're braver than I thought!" - Princess Leia
Post #274819 18th Oct 2013 1:42pm
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steve E



Member Since: 06 Mar 2011
Location: Tenby
Posts: 2073
Wales 
Hi
have you tried Liverpool & Victoria as I have both defenders insured with them.
my main car a 110 XS station Wagon new 2013 with declared expedition roof rack.(no charge for roof rack as classed as a permanent fixture) £345.00 fully comp
and a 90 truck cab 2008 with no alarm but has to have an immobiliser for personal and commercial use £325.00 fully comp with the wife on for personal use.

hope this helps
Steve
Post #274823 18th Oct 2013 1:55pm
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blackwolf



Member Since: 03 Nov 2009
Location: South West England
Posts: 17362
United Kingdom 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey
Mine's with Adrian Flux with no issues at all, and has a Patriot rack and a number of other declared mods.
Post #274828 18th Oct 2013 2:05pm
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Charliefox



Member Since: 03 Oct 2013
Location: County Durham
Posts: 56
United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Corris Grey
LandRoverAnorak wrote:
Why bar NFU? They consistently come out as one of the most accomodating insurers, albeit not necessarily the cheapest.


Hi Darren

I didn't mean to imply that I'd "barred" them, the local office has had new computer issues and has been unable to quote so far.

Having just got off the 'phone to them literally this minute I'm disappointed that yet again their systems are so poor.

The exact model isn't listed, their's confusion over engine size for this model etc. etc.

A provisional quote is £600 FC with the caveat of underwriter referral! Chris
Post #274829 18th Oct 2013 2:12pm
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Charliefox



Member Since: 03 Oct 2013
Location: County Durham
Posts: 56
United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Corris Grey
steve E wrote:
Hi
have you tried Liverpool & Victoria as I have both defenders insured with them.
my main car a 110 XS station Wagon new 2013 with declared expedition roof rack.(no charge for roof rack as classed as a permanent fixture) £345.00 fully comp
and a 90 truck cab 2008 with no alarm but has to have an immobiliser for personal and commercial use £325.00 fully comp with the wife on for personal use.

hope this helps
Steve


Hi Steve,

Not tried them but thanks for the info and I'll give them a call. Chris
Post #274830 18th Oct 2013 2:13pm
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Charliefox



Member Since: 03 Oct 2013
Location: County Durham
Posts: 56
United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Corris Grey
blackwolf wrote:
Mine's with Adrian Flux with no issues at all, and has a Patriot rack and a number of other declared mods.


Hi BW

No problem with AF as I've used them for years and they're fine about the extras, I just think £700 is a bit steep compared to my current DCPU which is £350 a year. Admittedly is 7 years old but would that really double the cost?! Chris
Post #274833 18th Oct 2013 2:15pm
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Charliefox



Member Since: 03 Oct 2013
Location: County Durham
Posts: 56
United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Corris Grey
UPDATE: Having spent a wearying 35 minutes on the 'phone to NFU I took Steve's advice and called L&V.

It took less than 10 minutes and they quoted £317 Shocked

Now I'm suspicious that it won't cover everything despite my frequent declarations of mods, replacement value and constantly saying "are you sure?"

Look like they'll be getting the business in a few weeks.

Thanks Steve E Thumbs Up Chris
Post #274838 18th Oct 2013 2:46pm
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blackwolf



Member Since: 03 Nov 2009
Location: South West England
Posts: 17362
United Kingdom 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey
Charliefox wrote:
blackwolf wrote:
Mine's with Adrian Flux with no issues at all, and has a Patriot rack and a number of other declared mods.


Hi BW

No problem with AF as I've used them for years and they're fine about the extras, I just think £700 is a bit steep compared to my current DCPU which is £350 a year. Admittedly is 7 years old but would that really double the cost?!


Did that say why it's so much more? Seems odd, and I can certainly understand your reluctance. Perhaps it's to cover all the replacement bonnets a Puma will need!
Post #274858 18th Oct 2013 3:34pm
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JJ



Member Since: 18 May 2009
Location: Winchester
Posts: 932
United Kingdom 1987 Defender 110 V8 Petrol CSW Corris Grey
I have just insured with Privilege , business insurance for me and 1 named driver , fully comp on a 110 LE Station wagon with roof rack and Rai.

NFU who I have been with for 8 years wanted £600 , Privilege £200 , I thought it must be too good to be true but have been through the ts and cs and can't fault the cover. The underwriters are UKI so should be safe there.

I am pretty sure that some insurers are happy to go low and acquire new business , of course the real test is will they pay out . Hopefully I won't find out...
Post #274861 18th Oct 2013 4:10pm
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couplands



Member Since: 31 Aug 2011
Location: Peak District & Cornwall
Posts: 1826
United Kingdom 2001 Defender 90 Td5 HT Oslo Blue
Has anybody claimed on their insurance ..?

Would be good to get a feel for how fair you think they have been. Especially with declared mods etc.

Cheers

Simon
Post #274871 18th Oct 2013 4:41pm
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Orangeboy



Member Since: 24 Sep 2013
Location: Uk
Posts: 48
My 110 hardtop is with direct line and they are fine with it being my personal car

They were happy before when I had Renault master lh35
As my daily / only carl
Post #274893 18th Oct 2013 5:55pm
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ARC99



Member Since: 19 Feb 2013
Location: North Yorkshire
Posts: 1831
United Kingdom 2008 Defender 110 Puma 2.4 USW Cairns Blue
We have no problems with N.F.U. the problem was with Land Rover who it seems do not declare all the models of Land Rover Defender that are available and it raises a Red flag. Our's is a 100 2.4 dual purpose utility and it wasn't shown on the insurance data base, we took the paperwork to the local office they were more than happy to insure it for a very reasonable price. Don't make old people mad.
We don't like being old in the first place,
so it doesn't take much to Censored us off.

Richard
Post #274895 18th Oct 2013 6:09pm
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steve E



Member Since: 06 Mar 2011
Location: Tenby
Posts: 2073
Wales 
Liverpool &Victoria are on the good insurers top five for not messing
About and getting claims sorted quickly Razz
Post #274897 18th Oct 2013 6:15pm
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Kenny57



Member Since: 08 Oct 2013
Location: near Skipton
Posts: 8
United Kingdom 2008 Defender 110 Puma 2.4 XS CSW Stornoway Grey
Yes to LV - unfortunately I've has a fair amount of experience with claims and they've been excellent. When i had a total loss they sent a cheque within a week, and were prepared to negotiate. Very good to deal with.
Post #275013 19th Oct 2013 8:25am
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