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| mrandmrsh Member Since: 31 May 2010 Location: Huddersfield Posts: 692   
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How did you get on? I am struggling with insurance. I am with the NFU and have been a big fan of their service up until now. I emailed them 4 weeks ago saying: - * I have sold my 1987 110 so please take that off cover * We will sell wife's car (insured with NFU at same Agency in her name) * She will use my G4 D3 (currently insured in my name through same NFU agency) * I will buy a 110 Utility XS new in my company's name and will want it insured in my company's name too * I am considering adding either LR accessories (winch, steering guard, tow bar, RAI, dog guard, rubber mats) and a Parrot hands free * Another option is adding non LR winch, a roll cage, RAI, tow bars, steering guards etc and the Parrot. What I wanted was the easiest way to insure this e.g. * does my D3 that wife uses need to be insured in her name? * how much is a standard Utility * how much is utility with LR bits * will they cover Utility with all the non LR bits I got no response so called after a week. Snotty youth tells me they are very busy and I should wait, I asked how will I know if it is still on the to do list/they have still not been arsed to look at it or if they have lost it? Anyway, I went away for 2 weeks and came back to nothing so called again. Girl says "ohhh doubt we will cover a heavily modified car like that, what do you want to modify it like that for?" I explained it is occasional recreational use. Got a call back saying no can do any of it and no point quoting for Utility as they are unlikely to want to cover it now I have showed my hand as a heavy off road user (which I am not!). Am so  wed off with them.
So, have called a few other options. I am 41, married to 49yo wife, living in rural location, full NCB (me and wife), clean licences held for donkeys years (me and wife) and wife has no accidents, I reversed into parked car Dec 09 caused some minor damage to their car and none to mine. Confused.com (Gladiator insurance) quoted £817 but called almost straight away to check what kind of LR it was and upped it to £860 or something for a standard XS Utility. More Than wanted £1283 Flux wanted £1000 Go compare best price was £2100. Will try Footman James, NFU via a different agency and whoever else I can find later today but it seems they don't like one or more of it being £30k for the car and/or it being insured in my company's name (I need it to be a company vehicle to get VAT back and BIK lower rate). Cheers Craig (aka disgruntled of Yorkshire) |
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3rd May 2011 11:03am |
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| 110 Member Since: 07 Apr 2011 Location: Nottingham Posts: 43 
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I can't find anyo9ne who can beat Swift.com !!!
just be sure your happy with their excess etc 110 Black Java Puma Utility, Kenlowe fan, bullbar, sides step, tinted windows, bluetoth, Scanguage, BAS, |
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3rd May 2011 11:53am |
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| SJM Member Since: 09 Dec 2007 Location: Kent Posts: 237 
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HI Craig - sounds like you are having very similar problems to the ones I enjoyed
I managed to insure it with Land Rover Insurance themselves in the end. I forget the name of the company they outsource it to, but basically they are relatively new to having the Land Rover account, which I guess may explain some of the confusion I had with them. Initially they did not want to touch it, then they agreed to quote at some crazy price - over £1k because they kept quoting it as a "pick up" and therefore lumping it with 'commercial insurance' rates. The dealer was able to explain to them that it's just a 110 XS Station Wagon without windows in the back and arranged a team leader to call me back - guys name is James, but I can't remember his surname. He was very helpful and in the end we covered it as a 110 XS Station Wagon for normal Social Domestic & Plasure as a Private (i.e. not commercial!) vehicle. The final figure was about £650, which is still about £300 more than I paid the previous year to insure my 90 - but it was still about £400 less than the next best price I could get, and importantly for me it's official LR cover - so I get all off roading covered and they had no problems with the options added. I worked in motor insurance for about 10 years so have a pretty realistic view of rates/ claims etc and to be honest another £300 to cover an extra £10k of car is not unreasonable. People get bothered about what % increase and compare to % increase in value of vehicle - the reality is it doesn't really work like that. May be worth getting your dealer to call them? I tried and tried to explain to no avail - but the call from a dealer who was by then looking at losing a sale seemed to work wonders  Simon
'11 Defender 110XS Utility SW '07 Discovery 3 HSE '58 Porsche 356A (not good off road) '59 Lambretta (not good on or off road!) |
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3rd May 2011 11:55am |
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| mse Member Since: 06 Apr 2008 Location: UK Posts: 5035 
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It almost sounded like were should play the Violin and feel sorry for them. They make a killing and just rip us off - thats insurance. How does a diff guard change a vehicle's risk! But i do admit that people are stupid with their claims now...i cant help but think thats because insurance companies are arses at paying most of the time - so its their fault. Mike |
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3rd May 2011 5:08pm |
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| mrandmrsh Member Since: 31 May 2010 Location: Huddersfield Posts: 692
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My problem is I want cover for business use and want it insured in my company name as it will be registered to the company. I am getting to the point of filing under "too hard" to be honest, I am amazed how difficult this has become. C |
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4th May 2011 12:41pm |
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| mse Member Since: 06 Apr 2008 Location: UK Posts: 5035
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It can get like that - i would suggest a pause, regroup and consider how they have had it explained to them...they may just be getting the wrong message
I managed a similar problem, by doing it in 3 seperate phone calls...problem solved Mike |
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4th May 2011 6:49pm |
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| JSG Member Since: 12 Jul 2007 Location: Berkshire Posts: 2412 
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Just to add an update to this thread;
I called my insurers today (LV) to swap the insurance over from the 90 to the new 110 tomorrow. The girl who answered could find the 2011 110 XS on her screen even though it showed on their website. She called the tech desk who confirmed the website listing and issued new documents for the rest of the current term which is until Feb next year. Same cover, same drivers - so how much to change from a 2001 TD5 90TR worth approx £12k to a 2011 TDCi 110 XS worth £32k, both with alarms? £24.40 refund is being sent out  Go figure  John
http://www.hampshire4x4response.co.uk 2011 Tdci 110 CSW XS |
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23rd May 2011 1:44pm |
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| Happyoldgit Member Since: 14 Sep 2007 Location: Norfolk Posts: 3471 
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After many years with NFU it looks they've hiked my premium up which appears to me that they no longer appreciate my custom. I shall probably be looking elsewhere. 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. |
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3rd Jun 2011 2:29pm |
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| mrandmrsh Member Since: 31 May 2010 Location: Huddersfield Posts: 692
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By way of an update I stuttered and dithered and didn't swap as my mind was elsewhere, splitting up with the Mrs.
Anyway, ordered a new 110 USW XS 2012 2.2 last week in black last week, am part exchanging the G4 D3. Called around for insurance and got quotes from £900 to £3000. This is for me and girlfriend (who is 43 but provisional driver), insured in company name (which complicates things a bit), clean record (one bump 3 years ago but full NCB) etc. etc. So, £930 was their first quote. Sucked air through my teeth, moaned a bit and the agent called the NFU and discussed it with the underwriter and spoke to them and the price is now £650. Not cheap but nearly £300 for moaning a bit. HTH Craig |
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16th Feb 2012 3:51pm |
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| JSG Member Since: 12 Jul 2007 Location: Berkshire Posts: 2412
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Just got the renewal sorted out with LV for £278.86 for the 110
 John
http://www.hampshire4x4response.co.uk 2011 Tdci 110 CSW XS |
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16th Feb 2012 5:47pm |
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| Lukey Boy Member Since: 10 Jun 2011 Location: Norwich Posts: 122
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My renewal was last month and I payed £425 with Admiral. I'm 34, clean licence with some upgrades including BF 265s and wheel spacers.
I rang Lancasters, Footman and James and Adrian Flux. The tyres and wheel spacers were the sticking point. None of them would offer under £700 due to being non standard. Admiral said they were fine with mods so long as they were not "performance inhancing". Sorry K9F. 2008 110 XS CSW Stornoway Grey |
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20th Feb 2012 9:14pm |
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| MartinK Member Since: 02 Mar 2011 Location: Silverdale (Lancashire/Cumbria Border) Posts: 2665 
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Another
for Admiral.
I got the best deal from them...because they did a No Claims transfer off my existing car (the XC70).
Very few companies would allow me to use my No Claims on a 2nd car, but Admiral did - making them the cheapest... £262.00 Defender "Puma" 2.4 110 County Utility (possibly the last of the 2.4's)Last edited by MartinK on 21st Feb 2012 6:36am. Edited 1 time in total |
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21st Feb 2012 6:31am |
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| chiefstoker Member Since: 11 Oct 2010 Location: Weston-super-Mud Posts: 897  
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I just read this thread right through, loved the little spat between Zag and K9F
JSG. MartinK your quotes were good, what mods have you got? 2005 TD5 90 Hard Top Beer 'n Sex 'n Chips 'n Gravy  |
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21st Feb 2012 6:36am |
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| MartinK Member Since: 02 Mar 2011 Location: Silverdale (Lancashire/Cumbria Border) Posts: 2665
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None...just a tow bar, side steps, tempcheck etc...nothing the insurer needs to know (although I did tell them I had a tow bar, and would be towing...) I'm 48, with full NCB, clean license (fingers crossed here), and probably live in a low-crime postcode area... Defender "Puma" 2.4 110 County Utility (possibly the last of the 2.4's) |
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21st Feb 2012 6:58am |
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