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NineCherries

Member Since: 10 Aug 2019
Location: Falkirk
Posts: 50

Vehicle details differ between insurance companies? any idea

Hello, new on here so go easy

IF i get my defender i'll do a formal introduction later...

anyway, I'm due to purchase of my first Defender tomorrow but hit a snag tonight when sorting out the insurance.

I done some online quotes (no problems here) to get an idea of cost before contacting my current insurance provider,
reg entered pulled up the detail i expected X reg 110 td5 county defender

but when i contacted my provider they claim the vehicle is a double cab and wanted almost double the premium??

odd i thought so i checked on some more comparison web sites and they all pull up a 110 county
BUT
direct line pulls up a double cab?

I don't own the vehicle yet so don't physically have the V5c to look at.

any ideas why they same reg pulls back differing info? also and any advice? everything else seems to check out, former owners, mileage etc. so before i go and see the seller (and the V5c) tomorrow night I thought I'd say hello and see what you guys think.

Cheers
Tony

21st Aug 2019 6:02pm

NickMc

Member Since: 01 Oct 2014
Location: Norn Iron
Posts: 1628

Some companies don’t insure Defenders as they see them as a commercial and want it on a commercial policy.

21st Aug 2019 7:07pm

Ramsay

Member Since: 30 Sep 2015
Location: Moffat, Dumfries & Galloway
Posts: 627

1995 Defender 110 300 Tdi CSW Auto Keswick Green

Some insurance databases seem messed up for Defender. Most have mine as a CSW some have it as a hardtop. If they won’t listen or read the evidence you just have to go elsewhere. 1995 Defender 110 CSW
1971 SIIA Lightweight

21st Aug 2019 7:25pm

NineCherries

Member Since: 10 Aug 2019
Location: Falkirk
Posts: 50

Ah that’s a bit of a relief, So it does happen then. I did have a bit of a worrythat it had been fiddled with and it wasn’t what I thought it was. When I looked at it it appears genuine, it’s only had 2 owners from new, and it’s got plenty info in a history file, so I guess I need to look at the V5 then tomorrow.

Thanks for replying

21st Aug 2019 7:39pm

Bongo1

Member Since: 02 Nov 2018
Location: Cheshire
Posts: 815

Do a road tax , MOT history check DVLA website , see what it comes up as .

21st Aug 2019 8:37pm

Bluest

Member Since: 23 Apr 2016
Location: Lancashire
Posts: 4217

2007 Defender 110 Puma 2.4 XS CSW Java Black

You might be better talking to real person at a specialist broker like A Plan, rather than the big “computer says no” high street names. 2007 110 TDCi Station Wagon XS

21st Aug 2019 8:42pm

Mike c

Member Since: 11 Aug 2017
Location: Maldon, Essex
Posts: 930

Yes some of their online systems can chuck up some real irregularities with Defenders I have found!

22nd Aug 2019 8:56am

wyvern

Member Since: 13 Dec 2009
Location: Cornwall
Posts: 2117

2012 Defender 110 Puma 2.2 XS CSW Firenze Red

you could try the NFU and talk to a real person who understands what a defender is ... we have always found them reasonable.

Poppy - TDCI (Puma) 110XS 2.2 - Camper conversion - see the build here - https://www.defender2.net/forum/topic56530.html
Elgar -TDCI(Puma) 110XS Dormobile - now sold
Devon & Cornwall 4x4 Response - DC126

22nd Aug 2019 2:25pm

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