 | Home > Finance & Insurance > It pays to shop around for insurance I just saved a packet. |
 
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5110   
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This post is not intended to throw scorn on A-Plan insurance who has given me excellent service over the last three years. However, their quote for this year was £680.00 I thought this a bit steep for a mileage of 3000 so I phoned Adrian Flux to see if they could do any better with the price. And they did for exactly the same insurance (classic car) they gave me a quote from Sterling insurance of £209.00 plus £15.00 for the agreed value, one of the reasons for such a low quote is that I received a massive discount for the anti-theft devices I have fitted, which for me was a first.
Removable steering wheel Parked behind locked gates Bombproof door devices Alarm Tracker Data tagged Smart water Adrenalin Pedal lock Handbrake lock Security keyed battery isolator Krypton cable lock on the bonnet Immobiliser Wheel lock Spare wheel security lock Sky tag lettering on the roof To name but a few! Today I received my agreed value certificate for the amount I specified. So I am a happy bunny. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at.. http://www.youtube.com/user/conwy1 |
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6th Nov 2020 3:18pm |
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| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223 
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Well done with the quote and I fully understand security, but it must take you 1/2 hour just to get into it to drive.
 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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6th Nov 2020 3:45pm |
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5110
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So true it's worse when its raining  . All worth it though as a secure Defender makes for a happy owner. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..
http://www.youtube.com/user/conwy1 |
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6th Nov 2020 3:50pm |
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| keith Member Since: 15 Aug 2012 Location: Edinburgh Posts: 2212 
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They’ll be asking for photographic proof for all those measures taken I’m thinking
Keith |
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6th Nov 2020 3:59pm |
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| gilarion Member Since: 05 Dec 2013 Location: Wales Posts: 5110
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They did along with a report and ten photos of the vehicle..
'Following your application for the Agreed Value to be included on your policy, I can confirm that your application has been assessed and from the information that you have provided, your vehicle has been valued at £15000. Enclosed is your Agreed Value certificate which should be kept in a safe place as this may be required in the event of a claim. This Valuation Certificate is valid until the expiry of your policy when you will need to complete a fresh Agreed Value Application. Yours sincerely The Sterling Insurance Services Team' For those who like Welsh Mountains and narrow boats have a look at my videos and photos at.. http://www.youtube.com/user/conwy1 |
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6th Nov 2020 4:02pm |
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| X4SKP Member Since: 29 Nov 2013 Location: Berkshire Posts: 2295 
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Hello Gilarion
Interesting going forward you will probably get 3 years insurance for the old price of 1... 
There has been some recent discussion on D2N regarding the pro's and con's of multi car insurance. I've just renewed with LV, my security list reads like yours, I also listed all modifications with costs, my Defender cost more to insure than yours but not by that much (it's less than £250) with the difference probably accounted for agreed value. I also have a second Land Rover and a Toyota on the policy and all for less than your initial quote. Now I know other factors come into this, for us all named drivers have 9+ years NCD and our post code places us in a low category, but as you say good to shop around and make sure... well done 
Swine&Small you make a valid observation... it can feel like a pre flight check list when everything is fully deployed for me I now have around 12 layers over half require no involvement, when I leave mine I always use 2, removable steering wheel + one more, in total this adds seconds (maybe 10) before walking away, but makes me feel much better as although not (never) 100% secure, I know the 'work arounds' required and think currently I'm on the right side of this is too much effort for most. If I deploy more layers (all mechanical) then I can add a few minutes to 'lock-down'. Still happy with this as the get back to where I am time would be huge... if even possible. Good luck all SKIP https://www.defender2.net/forum/topic83242.html |
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6th Nov 2020 4:14pm |
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| Joe the Plumber Member Since: 18 Dec 2013 Location: Midlands Posts: 907 
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I've stuck with A-Plan for the last couple of years as my remap means many insurers won't offer cover.
I wonder if it might have been worth ringing them to see if they could offer you a better deal? |
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6th Nov 2020 7:31pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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It's a shame we weren't competitive for you this year gilarion and we hope to have you back in future! Thank you for your kind comments of our service
 it is something we pride ourselves in.
We don't charge for agreed value as it's done directly through the insurer as long as it meets the criteria for it, some companies do charge and this is usually because it's supplied by a third party provider - my advice would be just make sure you're reading the terms if this is the case as some in their terms do say that although it's an agreed value they don't guarantee that figure in the event of the claim (bizarre i know!) - best to double check it. Carlie Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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17th Nov 2020 10:19am |
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