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Odin



Member Since: 29 Apr 2011
Location: Aberdeenshire
Posts: 237

Scotland 2012 Defender 110 Puma 2.2 USW Santorini Black
Adrian Flux - big thumbs up
Sob story with a happy ending (thus far...)

I have just fitted a RAI and thought it would have negligible impact on my insurance - ha!

Direct Line have Raised Air Intakes / Snorkels on their "automatic decline list" so they refused to insure the vehicle. I challenged the reasons and was then asked why I wanted to use a Defender off-road and how often I drove off tarmac as this was too risky for their underwriters (so why insure 4x4s?). Anyway, I contacted NFU who quoted me £2,400. Madness.

Had a look at the forum and contacted Adrian Flux who tonight gave a great quote of £470 incl all modifications plus off-road / greenlaning use. I think one should never take shortcuts with insurance but I'm really pleased with the extent of the cover from Adrian Flux plus at such competitive costs. So, there'll be some more cars heading their way at renewal time (so long as the costs stay as competitive!).

So top tip of the day is to at least contact Adrian Flux!
Post #78072 27th Jun 2011 6:32pm
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BigMike



Member Since: 13 Jul 2010
Location: Lancashire
Posts: 2253

United Kingdom 
a mantec RAI is OEM so shouldn't affect insurance at all.
Post #78076 27th Jun 2011 6:48pm
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Odin



Member Since: 29 Apr 2011
Location: Aberdeenshire
Posts: 237

Scotland 2012 Defender 110 Puma 2.2 USW Santorini Black
I did point that out but they were beyond reason.
Post #78078 27th Jun 2011 6:55pm
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BigMike



Member Since: 13 Jul 2010
Location: Lancashire
Posts: 2253

United Kingdom 
I guess it depends on the underwriter. Last year on mine the addition of a winch was another hundred quid. this year, no extra for the winch and other mods included, no extra.
Post #78080 27th Jun 2011 7:02pm
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K9F



Member Since: 12 Nov 2009
Location: Bournemouth
Posts: 9610

United Kingdom 2008 Defender 90 Puma 2.4 XS CSW Stornoway Grey
http://www.defender2.net/forum/topic2872.h...drian+flux If you go through life with your head in the sand....all people will see is an ar5e!!

Treat every day as if it is your last....one day you will be right!!
Post #78120 28th Jun 2011 6:49am
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DefenderOfTheEarth



Member Since: 09 Nov 2010
Location: Cornwall, UK
Posts: 1304

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Tonga Green
Just had a VERY good quote from them for the BM.

Will try them for the 110 too in November. Defender 110XS SW gone... now VW California 180 4 Motion.
Post #78373 29th Jun 2011 4:35pm
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Happyoldgit



Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471

United Kingdom 2015 Defender 110 Puma 2.2 USW Corris Grey
On the flip side I wasn't that impressed with AF when I had cover for one or two of our vehicles with them in the past. 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.
Post #78375 29th Jun 2011 4:59pm
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DefenderOfTheEarth



Member Since: 09 Nov 2010
Location: Cornwall, UK
Posts: 1304

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Tonga Green
Mis - in what way? I can't stand poor service. Anything along those lines?

The downside was that the sales girl was VERY pushy and seem affronted when I didn't accept and pay up there and then. I need to compare! Defender 110XS SW gone... now VW California 180 4 Motion.
Post #78389 29th Jun 2011 6:28pm
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Happyoldgit



Member Since: 14 Sep 2007
Location: Norfolk
Posts: 3471

United Kingdom 2015 Defender 110 Puma 2.2 USW Corris Grey
IIRC poor attitude over the phone. I know there were one or two other things but can't recall the specifics now. 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.
Post #78421 29th Jun 2011 8:28pm
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Shax



Member Since: 05 Oct 2010
Location: London
Posts: 391

England 2010 Defender 90 Puma 2.4 XS CSW Stornoway Grey
I just had a "call back" from Adrian Flux... Well, to cut a long story short, they want over £1k for my 2010 90XS.. Only mods are steering guard and A bar with spots...

Looks like I'll be selling up and going for a Smart Car! Big Cry ... ,-------,
.. I [__][_]|__
.. I __ |"_|"__|
.. "(o)====(o)"
^^_-^-_^-^_^^^^^--^^^^
PAUL
G7ALW 14.200 USB
26FB458 / 27.275 SSB
Post #78964 4th Jul 2011 2:46pm
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pom



Member Since: 01 Jun 2010
Location: Worcester
Posts: 1343

Shax wrote:
I just had a "call back" from Adrian Flux... Well, to cut a long story short, they want over £1k for my 2010 90XS.. Only mods are steering guard and A bar with spots...

Looks like I'll be selling up and going for a Smart Car! Big Cry


those are not modifications they are optional extras.

Mods are chopping up the vehicle with non oem products. Simply bolting on some LR parts is not modifying. Would you tell them you have installed electric windows as a modification for example ?

Remember insurance sales drones are clueless, if they hear 'modification' they read that as non standard when really it is a standard LR vehicle.


Pom
Post #78972 4th Jul 2011 4:00pm
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flinty99



Member Since: 28 Jun 2010
Location: Durham
Posts: 41

2007 Defender 110 Puma 2.4 XS CSW Stornoway Grey
Adrian Flux declined to even quote for my unmodified 110, which they also did the pervious year with my D3. "Sorry sir we will not be anywhere near as competitive as anybody else since Sun Alliance withdrew the underwriting".

I then tried to get quotes elsewhere which I did very sucessfully until I asked what the difference would be if I had a winch fitted. The typical answer was we wont insure you. "Why would you need a winch!"


Last edited by flinty99 on 5th Jul 2011 10:05am. Edited 1 time in total
Post #78974 4th Jul 2011 4:31pm
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JSG



Member Since: 12 Jul 2007
Location: Berkshire
Posts: 2412

United Kingdom 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
flinty99 wrote:
Adrian Flux declined to even quote for my unmodified 100, which they also did the pervious year with my D3.


How can a 100" be unmodified Whistle Mr. Green John

http://www.hampshire4x4response.co.uk

2011 Tdci 110 CSW XS
Post #79071 5th Jul 2011 9:48am
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flinty99



Member Since: 28 Jun 2010
Location: Durham
Posts: 41

2007 Defender 110 Puma 2.4 XS CSW Stornoway Grey
Rolling Eyes Rolling Eyes
Post #79072 5th Jul 2011 10:05am
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DefenderOfTheEarth



Member Since: 09 Nov 2010
Location: Cornwall, UK
Posts: 1304

United Kingdom 2007 Defender 110 Puma 2.4 XS CSW Tonga Green
Shax wrote:
I just had a "call back" from Adrian Flux... Well, to cut a long story short, they want over £1k for my 2010 90XS.. Only mods are steering guard and A bar with spots...

Looks like I'll be selling up and going for a Smart Car! Big Cry


Try DirectLine - use them for our 110 and they were just over £300 fully comp. No one else got anywhere near to that. Defender 110XS SW gone... now VW California 180 4 Motion.
Post #79073 5th Jul 2011 10:11am
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