DEFENDER2.NET - View topic - Can someone work this out??

↓ Advertise on Defender2 ↓

Home · FAQ · New Posts · My Posts · PMs · Search · Members · Map · Calendar · Profile · Donate · Register · Log In

Home > Finance & Insurance > Can someone work this out??

Page 1 of 1

Print this entire topic ·

Tommyharris

Member Since: 20 Mar 2018
Location: Bristol
Posts: 100

2013 Defender 90 Puma 2.2 HT Santorini Black

Can someone work this out??

Evening everyone,

Just looking to vent this as I really don’t get this...

So i own an old 300 defender but always wanted a tidy late puma, so after months of looking found a 2013 defender in black with all the extras, including full service history with just 12k on the clock. So i paid a tidy wedge to landrover maidstone and it was mine. (After a 3hr drive)

The plan was to part with the 300 which I couldn’t do. No problem I thought as the puma could be a toy that is just polished and took out on sunny days, and the 300 for mud/carparks/schoolrun.

Now i insured the puma through landrover insurance because i liked the fact if the worst were to happen, it would go to landrover direct and genuine parts etc.

So:

£532 fully comp
Valued at £26500
Completely standard
11.000 miles a year (actually done 3000)
9 years no claims
No accidents, points or convictions
Disklok, hinge guards, bonnet security hinges and pedal lock
Boxed in on driveway in a quiet location

Now ive had a renewal quote through for the same company for

[/b]£936!!!

I honestly dont get it!!!

I now have two options

Cancel insurance, put it in the garage and throw a cover over it and forget about it for ten years

Or

Sell it and smoke the 300 round.

Can anyone enlighten me as im so confused???

Sorry for the spill

Kind regards

Tom

[/b]

30th Nov 2018 9:38pm

Thon

Member Since: 22 Nov 2015
Location: Salisbury Plain
Posts: 696

I would suggest you speak to a mainstream insurance company before you choose either of your proposed options. It doesn't seem a reasonable cost last year, let alone this year's renewal.

30th Nov 2018 9:44pm

custom90

Member Since: 21 Jan 2010
Location: South West, England.
Posts: 20453

Try compare the market. 👍🏻 No Guts, No Glory.
🇬🇧🏴󠁧󠁢󠁥󠁮󠁧󠁿🏴󠁧󠁢󠁷󠁬󠁳󠁿🏴󠁧󠁢󠁳󠁣󠁴󠁿🇮🇪🇺🇸⛽️🛢️⚙️🧰💪

30th Nov 2018 9:48pm

KelvinB

Member Since: 17 May 2018
Location: Crickhowell
Posts: 24

2008 Defender 110 Puma 2.4 CSW Stornoway Grey

LV were the best when I looked around last May

My 2008 2.4 Puma 7 seater SW only costs £259

There are zero benefits for loyalty in insurance these days

30th Nov 2018 9:57pm

Tommyharris

Member Since: 20 Mar 2018
Location: Bristol
Posts: 100

Thanks chaps,

Ive been reading previous posts and will try a plan tomorrow if they’re open.

I get bored of explaining on the 300’s renewal that i dont want key, windscreen, audio cover etc

Ive actually been refused cover on a nissan micra that i bought off an auntie because i valued it at £100 quid. They said at that value i would neglect servicing and deemed it a high risk!!

My heads gone with it all, crap singing adverts and a total con

30th Nov 2018 10:08pm

Tommyharris

Member Since: 20 Mar 2018
Location: Bristol
Posts: 100

Just for the record though, would i be within my right to say i wanted a repair done at landrover dealer instead of a back street garage if the worst were to happen??

30th Nov 2018 10:11pm

jrule

Member Since: 10 Aug 2015
Location: Hertfordshire
Posts: 302

Aplan thatcham will do you right!

30th Nov 2018 10:29pm

discomog

Member Since: 09 May 2015
Location: Notts/Lincs Border
Posts: 2530

2015 Defender 90 Puma 2.2 XS CSW Santorini Black

I have a 2015 XS 90 and a 2017 Disco Sport insured through A Plan which costs a couple of quid less than you were paying last year for your Puma. Make sure you go to A Plan's Thatcham office. Defender 90XS SW
Mini Countryman Cooper S
Morgan Plus 8

1st Dec 2018 4:40am

AMBxx

Member Since: 24 Jul 2016
Location: York
Posts: 1033

2015 Defender 110 Puma 2.2 XS CSW Orkney Grey

Tommyharris wrote:
Just for the record though, would i be within my right to say i wanted a repair done at landrover dealer instead of a back street garage if the worst were to happen??

That depends upon the insurance terms. Normally, they have a network of approved garages. If you want to use someone else, you have to go through the hassle of arranging quotes.

1st Dec 2018 6:42am

bpman

Member Since: 21 May 2008
Location: Oslo
Posts: 8069

2008 Defender 110 Puma 2.4 SVX Station Wagon Santorini Black

Try a-plan, my defender,’fully comp was £264

1st Dec 2018 7:21am

Countryman2

Member Since: 18 Mar 2018
Location: The North
Posts: 53

2015 Defender 90 Other XS CSW Scotia Grey

As AMBxx says, you have to get quotes, but ultimately you can decide who will do the repairs. Just google to see the case law.

1st Dec 2018 8:17am

LandRoverAnorak

Member Since: 17 Jul 2011
Location: Surrey
Posts: 11324

Tommyharris wrote:
Just for the record though, would i be within my right to say i wanted a repair done at landrover dealer instead of a back street garage if the worst were to happen??

Land Rover dealers don't typically do accident repairs so it'd end up at a dedicated body shop anyway. 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

1st Dec 2018 10:32am

Yulong

Member Since: 18 Nov 2017
Location: Aberdeen
Posts: 110

2016 Defender 90 Landmark here with declared mods... last year £450, renewal came in last week... £380

Privilege, maybe worth giving them a call.

1st Dec 2018 8:11pm

lohr500

Member Since: 14 Sep 2014
Location: Skipton
Posts: 1317

2013 Defender 110 Puma 2.2 XS CSW Santorini Black

As above. Try LV. They were by far the lowest cost when mine came up for renewal in October.

In fact you could get a quote for putting both Defenders on their multi car policy and get an extra discount.

If both are standard trim with no modifications then you can get a quote online through the LV website.
If I recall correctly you could declare engine maps and towbars as mods online, but I had to call them as I have a winch fitted which wasn't in the modifications list.

I shop around every year as there are £100's to save across the three vehicles we insure.

And if you are taking out insurance online, with LV or AN Other, don't forget to check out Topcashback and Quidco to see if you can get any cashback. Topcashback are currently offering £36.75 back on an LV car policy

3rd Dec 2018 8:01am

Page 1 of 1

All times are GMT

Jump to

< Previous Topic | Next Topic >

Posting Rules

You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum