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| miker Member Since: 13 Sep 2015 Location: Surrey Posts: 1763   
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Have you actually gone and got any quotes? None of us can guess what your insurance may cost you. It will be astronomical on any car. I'd wager a defender won't be any better.
What you suggest is known as fronting and a bad move, I'll let you look it up yourself. For making it cheaper, play with where its kept, how many miles you do and excesses. There's a balance to be struck there, I've often found increasing the mileage actually makes the policy cheaper up to a point. I would suggest look at the ore specialist insurers on here, but as a younger driver myself (24) none of them could touch me. |
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20th Jun 2016 10:46pm |
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| apt100 Member Since: 05 Mar 2015 Location: Derbyshire Posts: 1547 
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While there are specialist insurance brokers for young drivers etc, as above if you haven't actually had any quotes yet - get on the internet. Try the comparison websites. This will give you an idea of what is available. Some will be stupid £10k+ but you might just get a couple of reasonable ones. This is then the baseline for the specialists to match or beat.
Also unlike fronting - it is legal and usually beneficial to add your parents as additional drivers onto your policy. This can sometimes drop the quote quite a bit  |
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20th Jun 2016 11:05pm |
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| Green Machine Member Since: 19 Nov 2010 Location: North Yorkshire Posts: 1226 
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Welcome to the forum George! Good to see young members joining us, keeping the insanity that is Defender ownership alive!
You are right that having a parent as the main driver and yourself as a secondary driver will make a significant difference to the cost, but you should only do this if it is the truth. If you are the main driver, you will have to let your insurer know that. The general rule with insurance is to be truthful. It may seem like a little white lie to get a few pounds knocked off, but when it comes down to it your insurer will just refuse to pay out on a claim because you didn't tell them the whole story, which makes it pointless having the insurance in the first place. Some insurers will allow someone other than the policy holder to be listed as the main driver, so for example a parent would hold the policy, but the young driver would be the main driver. This is telling the truth of the situation, but the insurer has slightly reduced risk because they know you have a parent watching over you (to some degree), so cost can be cheaper this way. If you are the main driver, adding a parent or older family member as a second named drive often brings the cost down, so definitely explore that. Interestingly having my Dad as a named driver on my policy still reduces my premium, and I'm 28. However having both my mum and dad as named drivers increases it, so you have to try a few different options. As Mike says, agreeing to a lower annual mileage figure will bring the premium down (less miles driven = less chance of accident = reduced risk). Ultimately insurance for young drivers is expensive, no matter what you do. Best bet is to run the details through a couple of comparison sites and take it from there. 2005 Td5 | 90 Station Wagon | Tonga Green |
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20th Jun 2016 11:09pm |
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| AWOL Member Since: 31 Oct 2013 Location: UK Posts: 222 |
Worth trying some of the specialist brokers that advertise in the Land Rover magazines?
I'm not sure whether they've closed off any loopholes as a result of them becoming too popular, but my first car was a Series III - it was nearly 20 years old at the time and, via one of the classic/specialist brokers, cost me around 1/10th what friends were paying for Fiestas etc. If you agree to a larger "excess" (the part of any claim that you pay if it's your fault) than normal that this can have a very significant effect on (reducing) premiums. Play about with the quotes engines on the likes of Confused and you might even find that there will be a point at which an extra £50/100/250 on the excess knocks more than that off the policy cost. I don't know if it's available still but "Third Party, Fire, and Theft" (instead of "Comprehensive") also used to knock a good chunk off too. The downside here is that if you crash it then that damage isn't covered. That was a risk that I was happy to take when younger when insuring cars where repairs would be cheap/easy or the vehicle could wear some (extra) patina! |
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21st Jun 2016 5:55am |
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| ken Member Since: 18 Aug 2009 Location: Banging Birds with my bitches !! Posts: 4328
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Best advice small Eurobox for a while as the main car bulid up experience and craft
A defender is not a car to learn in unless you are extremely rural this lot all have rose-tinted glasses Speak to the insurer go the old fashioned way to them (A plan have town centre offices) the internet is not the answer Never lie they will find out then your really fooked Me I run a fleet of 1400 cars in central London deal with insurance every day seen plenty of people caught out and their claim not upheld (TP is ALWAYS covered if insured just takes a bit longer) And remember as I've told my 17yr daughter and 22 yr son you've passed a test NOT leant to drive Oh little difference in Full cover to TPF&T due to the cash for crash culture we have in the UK Defenders will be around for a long time don't rush |
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21st Jun 2016 6:08am |
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| Avelingporter Member Since: 25 Jan 2016 Location: Southampton Posts: 405 
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With the advice above I would suggest you investigate getting a black box tracker which monitors your driving. It made a massive difference to my crew that the insurance was affordable rather than plain extortion!!!
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21st Jun 2016 6:36am |
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| BuckBlu110 Member Since: 19 Apr 2014 Location: in the pub Posts: 712 
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I agree with Ken, much better to smash up a little Eurobox (it will happen, weather you do it or someone else does it for you). Don't know what your funds are but if you fancy tinkering or messing with it, perhaps still buy the defender, but keep it off the road for a couple of years, let you dad insure it on the cheap, and just play with it, tinker and mess or restore. In the mean time drive around in a cheap car that's cheap to run and insure and build up road experience.
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21st Jun 2016 7:02am |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971 
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Most insurance "black boxes" plug in to the OBD socket which is unlikely to be much use on a TDi.
Adding my parents to my policy drops mine significantly even though I'm 26, have had a licence for a while and don't live in the same county. I've always found fully comprehensive to be cheaper than 3rd party (with or without fire and theft). Modifications can be a mixed blessing, some insurance companies reduce the premium the more you modify it, others won't touch you. |
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21st Jun 2016 7:38am |
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| LoveTheMud Member Since: 19 Feb 2015 Location: Weybridge Surrey & Pontefract West Yorkshire Posts: 411 
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Hello George and welcome,
I echo that its great to see younger members on the forum! I remember my insurance premium being £1700 when I first started to drive and that was a quote for a super mini. The way I see it is you have 2 options: Buy a super mini and drive that for a year or two (nothing stopping you buying your defender also and SORN'ing it (THis basically means declaring to the road tax folk that its off road and not driven - it cant even be parked on the road. THe problem with buying a super mini is that its not the car you want and it might not even be cheaper insurance, but there are many other advantages, such as, it will be quicker, cheaper to run and you will be able to maneuver into a car parking space, as I'm sure you know, a defender has a turning circle akin to a large submarine. Also, if you bought a VW up or something like that, there are those sorts of cars which have no road tax at all. The second option is to get the defender as your first car - this would work like this. Insure yourself as the main driver - the only and right way of doing it Add your dad / mum as a second driver - brings the price down and truth be told, your dad will use it (especially when your back is turned) Take off all the ancillaries such as UK break down as these are quite often on your bank account or phone insurance or a parent's policy may cover family members. move the excess (the amount you pay before any claim can be made) up to the highest level you could reasonably afford to pay, I did this as it acts as a deterrent to acting stupid when we are first learning to drive. the final point is, look around - I'm afraid there really is no other way of doing this other than lots of form filling and phone calls... you will get some great variances in price, if i remember correctly the banks were the highest for me with quotes of £4000+ and that was 17 years ago. Hope this helps and good luck Michael |
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21st Jun 2016 7:47am |
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| Happyoldgit Member Since: 14 Sep 2007 Location: Norfolk Posts: 3471 
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Just been through this recently with my son. Ken has given you the best advice. Steve.
Owned numerous Land Rover vehicles of all shapes and sizes over the decades. Current Defender: A non tarts hand-bagged Puma 110 XS USW. [Insert something impressive here such as extensive list of previous Land Rovers or examples of your prestigeous and expensive items, trinkets, houses, bikes, vehicles etc] http://forums.lr4x4.com I used to be Miserable ...but now I'm ecstatic. |
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21st Jun 2016 8:15am |
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| barrowg Member Since: 31 May 2016 Location: Surrey Posts: 235
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Thanks For all the helps really appreciate it.
Will do some research with my parents and find the best way of doing it. |
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21st Jun 2016 10:26am |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971
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Bear in mind that sometimes quotes through price comparison websites vary between the price comparison websites, it can sometimes be cheaper to go direct to the insurer, sometimes makes no odds and sometimes cheaper through the price comparison websites.
Some of the price comparison websites are owned by the insurance companies and when you get three quotes that all look like they're the same, they're probably just different brands of the same insurance company (Admiral, Bell, Elephant, Diamond and confused.com for instance are all the same company). |
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21st Jun 2016 12:27pm |
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| NinetyTD4 Member Since: 22 Apr 2011 Location: North Posts: 397  
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The first talk is with the current insurance company. There is more variation in the contracts then imaginable. When my daughter wanted to drive, they covered it up with no premium, as "it is not frequent use and only frequent use has to be insured separately", but some years later my for me son, we had to pay a premium, as they changed policy from frequent/infrequent use to "lives in your home". Never forget: cars have owner, Landrover have field service personnel.
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21st Jun 2016 2:51pm |
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| charcoal Member Since: 28 Jul 2014 Location: Hampshire Posts: 942 
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I got my first Land Rover at 17, don't let anyone talk you into buying a eurobox 
I'd recommend insuring yourself with aviva, I used them at 17 and still do now, they charged me about £1500 for the first years insurance with my 1985 110. Firstly make sure it isn't registered as a car as you'll just get quotes of £3000+. Get a parent as a named driver, I have my father down on mine. Set a limited yearly mileage, as a new driver you're probably not going to be doing 50k a year. Listing a security device may also help but I didn't state that I had one so don't know if it'll take the price down. If you need any more help don't hesitate contacting me, unlike most others I've been there and done it at 17 a few years ago 1999 Land Rover Defender 110 td5 station wagon
1998 Land Rover Defender 110 County Station Wagon ~ Sold 1995 Land Rover Defender 110 V8 Station Wagon ~ Sold 
1985 Land Rover 110 ex mod project Tithonus ~ Sold |
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21st Jun 2016 3:29pm |
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