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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223  
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I think that insurance companies are rejecting claims that involve enhancements that make the vehicle more liable to theft than they were originally aware. These can include expensive alloy wheels and body adornments like air intakes for driving whilst submerged. I advised my insurers that I fitted new carpets once and had to wait while the underwriters were consulted.
Given the age we live in, i would not fit new dust caps on the wheels without telling them and giving them the chance to wriggle out of a claim at a later date. When they want your premium they are your best friend, when you want their assistance they are your worst enemy. Just below car salesmen , but still above politicians who are the baseline against whom scum are generally measured.  1983 Series 3 Pick up in Marine Blue
1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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3rd Mar 2019 2:49pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 2850
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I always found NFU to be above all the rest in terms of looking after their customers, they knew what a Defender was and the difference between roll bars and anti roll bars.
They also gave discount for tracking devices. Sadly a few years ago they biffed up the premiums by 100% and wanted over £800 to insure our 90, l was happy to pay more to use them but not double what everyone else quoted. |
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3rd Mar 2019 4:22pm |
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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223
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I as well used NFU and, currently do so for house and contents , but their car premiums are no longer affordable.
My local NFU office told me that it was a waste of time getting a quote for my defender , as he thought it was "not an area of risk that NFU wished to retain". Well. I thought it is roughly in the farming area given the number of farmers around here with Defenders, but, I suspect he meant profits were less than predicted . 1983 Series 3 Pick up in Marine Blue 1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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3rd Mar 2019 4:45pm |
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| Tommo Member Since: 19 Dec 2013 Location: Leicestershire Posts: 830 
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I would imagine a few on this forum are somewhat worried by this thread as they are continually modifying their defenders
However, i have no time for insurers and reluctantly pay for cover. |
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3rd Mar 2019 6:01pm |
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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223
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Just to expand a bit on the point of 'extras'
My current insurers wanted to know about and the value of -: My Nakatenga wheel carrier My Remap My DRL's My Alive comfort suspension My Optimill security items These were from a value, ie added to overall insured value, desirability to thieves point of view and also security. Interestingly they also considered my Dinitrol treatment an additional modification , which surprised me , but they added the cost to the overall insured amount. Following the start of this thread, I rang insurers to find out the amount of additional premium incurred and was told that it was minimal, under £10 , they again reiterated the importance of disclosure to avoid the policy being voided. It appears that if I had not told them about the mods, I could have had a problem in the future in the event of a claim Please take heed and advise insurers if you have not done so.. The remap seemed obvious but the others were not. 1983 Series 3 Pick up in Marine Blue 1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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3rd Mar 2019 6:23pm |
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| nitram17 Member Since: 08 Jun 2014 Location: newcastle Posts: 2261 |
Swine who was your insurer?.if your car gets stolen and you dont get it back how will they know whats added ..the same as the suspension if i was in a crash i wouldt expect them to replace like with like ,just put it back to standard ...or reflect the enhancements in the quote ..........has somebody on here had their truck smashed and got the repairs paid for for fancy steerring and suspension and the like?I hope its a myth but didnt somebody get their insurance cancelled because of undeclared stickers in the window.
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3rd Mar 2019 6:39pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 2850
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Well, the guy l read about was on various forums and the insurance company found pictures of his Defender on there. Don’t forget they have a department that is paid to try and reduce/turn down claims.
Also say your Landy is stolen and then found stripped/smashed up/burnt out. The insurance company examines the remains and notices non standard parts (such as a suspension lift) technically they have grounds to refuse your claim. For instance on your profile picture if that’s your 90 l can see straight away that it’s got a safety bull bar, roof rack and side steps. Is it an XS? If not those alloys need declaring as they are not standard fit, it would have come with steels. I am only doing what the insurance company might do. You see how you can get caught out? |
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3rd Mar 2019 6:49pm |
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| OsloBlue Member Since: 14 Jul 2018 Location: Essex Posts: 823 
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The additional premium/adjustment covers the cost of replacing the mods to spec/or add value in the event of a theft. I'm on IG: https://www.instagram.com/osloblue42/ Current: TD5 '110 "Lucinda" Thread here: https://www.defender2.net/forum/topic62562.html  |
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3rd Mar 2019 6:55pm |
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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223
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My current insurers are Aviva, with whom I contract direct. I guess if you do not tell them they cannot be expected to replace it and if you dangle a nice valuable item in front of a scumbag, do not be surprised if he nicks it. Disclosure is the name of the game. As an aside , LV refused to quote because of the removable steering wheel. It was not on their spreadsheet!! 1983 Series 3 Pick up in Marine Blue 1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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3rd Mar 2019 7:03pm |
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| discomog Member Since: 09 May 2015 Location: Notts/Lincs Border Posts: 2530 
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I'm with you Tommo, hate insurers with a vengeance. I never buy their "extras" as they are a complete rip off. I want to give them as little business as possible. Defender 90XS SW Mini Countryman Cooper S Morgan Plus 8 |
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3rd Mar 2019 7:05pm |
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| jst Member Since: 14 Jan 2008 Location: Taunton Posts: 8065  
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AVIVA, good luck with them and their claims team if you Are unfortunate enough to need them. 22.3hrs on hold I totalled last year trying to get a no fault claim sorted out. Needless to say went to nfu this year. Cheers James 110 2012 XS Utility 130 2011 M57 bespoke Camper 90 2010 Hardtop 90 M57 1988 Hardtop |
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3rd Mar 2019 8:13pm |
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| Blackhat90 Member Since: 31 Dec 2016 Location: Forfar Posts: 86  
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I just renewed my policy with NFU, £170. fully comp, Defender 300 tdi |
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3rd Mar 2019 9:37pm |
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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223
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Lucky you no such quote for my 2015 model
 1983 Series 3 Pick up in Marine Blue
1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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3rd Mar 2019 10:03pm |
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| lightning Member Since: 23 Apr 2009 Location: High Peak, Derbyshire Posts: 2850
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Just declare any extras or modifications.
I declared everything on mine even the mud flaps and it made no difference to the premium. |
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4th Mar 2019 9:25am |
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