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discomog



Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2526

United Kingdom 2015 Defender 90 Puma 2.2 XS CSW Santorini Black
Trailer Insurance
I've just received a renewal quote for insuring my Ifor Williams HB511 horse trailer. It has gone up by 21% from last year. Can anyone recommend an insurance company or broker? I am wanting to insure against fire, theft and accidental damage. Your recommendations would be greatly appreciated. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8
Post #701875 19th Apr 2018 4:43pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 4795

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey
NFU Thumbs Up 2015 HT XS 90
2008 SVX 90
2000 XS TD5 90
Post #701877 19th Apr 2018 4:46pm
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discomog



Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2526

United Kingdom 2015 Defender 90 Puma 2.2 XS CSW Santorini Black
Thanks Sulisuli I've just left a message for my local NFU agent to ring me back. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8
Post #701881 19th Apr 2018 4:54pm
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Sulisuli



Member Since: 30 Oct 2016
Location: South west
Posts: 4795

United Kingdom 2015 Defender 90 Puma 2.2 HT Corris Grey
We have found them to the cheapest year on year, excellent service. We do have the horse insured with them as well and they have been first class on that too. 2015 HT XS 90
2008 SVX 90
2000 XS TD5 90
Post #701889 19th Apr 2018 5:39pm
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JOW240725



Member Since: 04 May 2015
Location: Suffolk
Posts: 7906

United Kingdom 2012 Defender 110 Puma 2.2 XS CSW Orkney Grey
Interested to follow this.

We tried NFU to insure our horse trailer with NFU and was told that we have to have the vehicle 🚗 insured with them to get trailer insurance Shocked The Defender premium with NFU was twice that of APlan so that was a no go. We even have the house insured with them for over 15 years but that doesn't seem to matter either.

I so want to use NFU as there insurance is first class, but they just can't compete on what I consider should be bread and butter for them, Defenders and Horse's. Shame. Crying or Very sad 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
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Post #701917 19th Apr 2018 8:13pm
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excossack



Member Since: 22 Feb 2012
Location: North West
Posts: 5843

United Kingdom 1999 Defender 110 Td5 SW Caledonian Blue
Do Ifor themselves do an insurance policy? 1999 Defender TD5 110

Regards
John M0VAZ
Econet Station 48 no clock
Post #701923 19th Apr 2018 8:54pm
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discomog



Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2526

United Kingdom 2015 Defender 90 Puma 2.2 XS CSW Santorini Black
James, I also had my horses insured with NFU and my equine vet swears by them saying they hardly ever argue over claims for veterinary fees. I only ever made one claim for veterinary fees and they met all of them including my claims for mileage for taking one of my horses to and from a veterinary hospital. Unfortunately their increases in annual premiums made it totally uneconomical for me to stay with them.

One of my neighbours with a 500 acre farm has the whole of his farming business including buildings, livestock and machinery insured with NFU but has his horses insured with another provider as they were forever increasing their premiums and eventually like with myself priced themselves out of insuring his horses.

I'll see what they come back with as regards my horse trailer. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8
Post #701928 19th Apr 2018 9:24pm
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hank



Member Since: 12 Sep 2016
Location: South Wales
Posts: 2300

Wales 2007 Defender 110 Puma 2.4 DCPU Stornoway Grey
Post #701958 20th Apr 2018 8:52am
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discomog



Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2526

United Kingdom 2015 Defender 90 Puma 2.2 XS CSW Santorini Black
After lots of shopping around I went back to my original broker and asked him to reduce the price if he wanted to retain my business. I told him at what price level he needed to be at. He came back with a price that actually undercut last years price by £12 which when compared to his 2018 quoted price, was a saving of £43. Result. It pays to shop around.

Every time I get an annual renewal notice, not just for insurance, I shop around, it's amazing what reductions you can get by just a few phone calls. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8
Post #701980 20th Apr 2018 3:55pm
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Supacat



Member Since: 16 Oct 2012
Location: West Yorkshire
Posts: 11018

United Kingdom 2013 Defender 110 Puma 2.2 XS DCPU Keswick Green
It has to be the latter - the loyalty premium model to subsidise new customers seems to be fairly widely adopted across the insurance market.
Post #702306 22nd Apr 2018 8:34am
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