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Miggit



Member Since: 09 Mar 2017
Location: Milton Keynes
Posts: 72

United Kingdom 
Insurance for modified car?
Hi all, there's no point in posting this on fullfat, cos modified is change the radio or tyres...

I have just had a nasty shock when getting a quote for the RRC 2.4 VM Diesel.. it's almost as much as the L322 and ML270 CDi combined multi car premium... so I'm now hoping that someone might be able to point me at a better company.

The RRC is lifted and has bigger wheels and winch, the snorkel can stay or go as far as I'm concerned, rather not be patching up hole in the body, but if it reduces things.. what the hell, it's not as if I'm suicidal enough to go in deep water in a Land Rover product riddled with Lucas electrics Laughing

I think that the biggest problem was wanting to have business use, just incase the Merc goes pop, again Sad

Any recommendations, Oh and it was A plan who scared the Censored out of me Shocked RRC 2.4 TD... it's either a stretched 90 or shrunken 110!!
ML 270CDI
Post #611469 22nd Mar 2017 8:09pm
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LiftedDisco



Member Since: 17 Aug 2014
Location: Towcester
Posts: 354

 
Weird... A-Plan were really on the ball with my D1 with an absolute bundle of modifications.

Is your quote based on a limited mileage policy - that'll probably save something - mine was 5k miles per year which was fine for a toy.

If not A-Plan, try Leena Marsh at Heritage - have heard good things about her team.

Whatever you do, avoid Flux...
Post #611505 22nd Mar 2017 9:06pm
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Miggit



Member Since: 09 Mar 2017
Location: Milton Keynes
Posts: 72

United Kingdom 
I feel a telephone marathon coming on Shocked

Is NFU any good? they used to be spot on for modified business use.. RRC 2.4 TD... it's either a stretched 90 or shrunken 110!!
ML 270CDI
Post #611506 22nd Mar 2017 9:12pm
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familymad



Member Since: 13 Dec 2011
Location: Bucks
Posts: 3481

 2016 Defender 130 Puma 2.2 HCPU Santorini Black
They are good for my modded 130 1951 80" S1 2.0
1995 110 300TDI
1995 90 300TDI
Post #611520 22nd Mar 2017 9:55pm
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familymad



Member Since: 13 Dec 2011
Location: Bucks
Posts: 3481

 2016 Defender 130 Puma 2.2 HCPU Santorini Black
£415 1951 80" S1 2.0
1995 110 300TDI
1995 90 300TDI
Post #611521 22nd Mar 2017 9:56pm
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Miggit



Member Since: 09 Mar 2017
Location: Milton Keynes
Posts: 72

United Kingdom 
Is that business use? And if so what sort of mileage do you do? Seeing as you're in my neck of the woods hopefully not much difference.. but that rather depends on the level of mods you have Rolling Eyes RRC 2.4 TD... it's either a stretched 90 or shrunken 110!!
ML 270CDI
Post #611523 22nd Mar 2017 10:00pm
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Procta



Member Since: 03 Dec 2016
Location: Sunderland
Posts: 5208

United Kingdom 
I would give these a call, http://www.brentacre.co.uk/ they were great for insuring my Rover metro VVC, That car was done up as a street sleeper, They would cap the engine to a certain Horsepower, and would cover practically any cosmetic changes. They even mirror no claims too, so if you want a second car your laughing. Defender TD5 90 ---/--- Peugeot 306 HDI hatch back

Success is 90% Inspiration and 4 minutes Preparation # you can make it!
Post #611543 23rd Mar 2017 6:16am
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Barneyboy



Member Since: 19 Nov 2014
Location: Exmoor
Posts: 1627

England 1986 Defender 90 2.5 n/a Diesel ST Nato Green
Hi just out of interest did you just ring A plan or was it A plan Thatcham 01635 874646 as these are the guys to speak to they specialise in Land Rovers modified or not, apologies if that's who you rang for the quote,hope you get it sorted Thumbs Up Paul Tash n Barney
Post #611546 23rd Mar 2017 6:47am
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AMBxx



Member Since: 24 Jul 2016
Location: York
Posts: 1035

United Kingdom 2015 Defender 110 Puma 2.2 XS CSW Orkney Grey
NFU quoted me about double the current insurer (Geoffrey). Seemed to have a real problem with business use in a vehicle classified as a van (2015 110 SW).
For some reason, this year the van aspect became a problem. In the past, it was just insured as a car.
Post #611549 23rd Mar 2017 7:43am
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 7907

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey
A-Plan Thatcham quoted me happy. Maybe try Heritage? NFU and Adrian Flux were miles off for me. James
MY2012 110 2.2TDCi XS SW Orkney Grey - http://www.defender2.net/forum/topic43410.html
MY1990 110 200TDi SW beautifully faded Portofino Red - https://www.defender2.net/forum/post743641.html#743641
MY1984 90 V8 Slate Grey - https://www.defender2.net/forum/post744557.html#744557
Instagram @suffolk_rovers
Post #611555 23rd Mar 2017 8:45am
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Chugga90



Member Since: 07 Sep 2014
Location: Bucks
Posts: 208

Re: Insurance for modified car?
Miggit wrote:
Hi all, there's no point in posting this on fullfat, cos modified is change the radio or tyres...

I have just had a nasty shock when getting a quote for the RRC 2.4 VM Diesel.. it's almost as much as the L322 and ML270 CDi combined multi car premium... so I'm now hoping that someone might be able to point me at a better company.

The RRC is lifted and has bigger wheels and winch, the snorkel can stay or go as far as I'm concerned, rather not be patching up hole in the body, but if it reduces things.. what the hell, it's not as if I'm suicidal enough to go in deep water in a Land Rover product riddled with Lucas electrics Laughing

I think that the biggest problem was wanting to have business use, just incase the Merc goes pop, again Sad

Any recommendations, Oh and it was A plan who scared the Censored out of me Shocked


If your business use is shifting those posh thunder boxes like over on FFRR, forum.
You are more than just business use.
I used to have a policy for shifting stuff with trailers with Royal sun alliance. With many restrictions and requirements. This was around four years ago, that was £1650.00 per year.
Trouble with a lot of these they want you to be a member of road haulage association or alike.

Also on an article I heard on the radio this week it stated due to the new government compensation rules average premium will increase £75 per annum.

Good luck and hopefully you get a good deal which covers you needs.
Post #611558 23rd Mar 2017 8:51am
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Miggit



Member Since: 09 Mar 2017
Location: Milton Keynes
Posts: 72

United Kingdom 
Sorted it, went with Lancaster in the end as most insurance companies wouldn't give business use on an old RRC Evil or Very Mad

All of them were quite happy to insure a modded car, just not for work, except NFU....Milton Keynes isn't rural enough for them Rolling Eyes RRC 2.4 TD... it's either a stretched 90 or shrunken 110!!
ML 270CDI
Post #611596 23rd Mar 2017 12:28pm
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rallysteve



Member Since: 10 Feb 2014
Location: Cumbria
Posts: 2237

United Kingdom 2002 Defender 110 Td5 DCPU Keswick Green
NFU were best for our DCPU this year (Class N1 commercial) with limited business use. However they seem completely incapable of handling/recording any modifications.
Tried to declare the following:
Alloy Wheels with oversize mud tyres
Spotlights
Winch bumper and winch
Snorkel
R+T sliders
Diff Guards and a few other minor changes

What they have shown on the paperwork is:
Alloy wheels
Spotlights
Wheelchair ramp/winch
Other

Also had the same issue with Peter Best who seemed to be almost defensive when we tried to list modifications and said he couldn't record any modifications on his computer.

Steve 02' 110 TD5 Double Cab Rebuild Thread
Post #611626 23rd Mar 2017 2:53pm
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