 | Home > Finance & Insurance > Adrian Flux - big thumbs up |
 
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| stevie d Member Since: 09 Nov 2009 Location: Bishops Stortford Posts: 342   
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I think where you live must make a big difference - post codes etc.
NFU insure my chipped 90 for £600 inc my 18 year old son as a named driver, fully comp, protected no claims, off road etc etc. (it was only £450ish last year!!). Obviously pays to shop around. Steve  Defender 90 TD5 Station Wagon
Discovery 3 HSE BMW 330i Coupe |
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5th Jul 2011 12:12pm |
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| BigMike Member Since: 13 Jul 2010 Location: Lancashire Posts: 2253
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so take off your A bar. useless things anyway and just bump up insurance.
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18th Jul 2011 4:28pm |
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| Shax Member Since: 05 Oct 2010 Location: London Posts: 391  
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But then my spots will dangle from the grill by the wires!!! ... ,-------, .. I [__][_]|__ .. I __ |"_|"__| .. "(o)====(o)" ^^_-^-_^-^_^^^^^--^^^^ PAUL G7ALW 14.200 USB 26FB458 / 27.275 SSB |
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19th Jul 2011 11:18am |
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| Happyoldgit Member Since: 14 Sep 2007 Location: Norfolk Posts: 3471 
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Over the years some people have been known to mount them on the top of the bumper. 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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19th Jul 2011 12:33pm |
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| Barry Member Since: 26 Apr 2011 Location: North East Posts: 137
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I got , we are no where near that price , most of our companies will not quote on a new vehicle
2011 Defender XS 110 Station Wagon - Rejected 2008 Discovery 3 XS Auto (Gone) 1997 Discovery ES Auto 300TDI (Traded in on a flat bed) |
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19th Jul 2011 2:05pm |
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| Shax Member Since: 05 Oct 2010 Location: London Posts: 391
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The Puma aircon grill sticks out too much for bumper mounted spots... But DirectLine were the cheapest with the best cover... £473.82... Seems I got thru to someone that actually knows Defenders are actually used off tarmac! ... ,-------, .. I [__][_]|__ .. I __ |"_|"__| .. "(o)====(o)" ^^_-^-_^-^_^^^^^--^^^^ PAUL G7ALW 14.200 USB 26FB458 / 27.275 SSB |
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19th Jul 2011 11:01pm |
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| Froogle-Yorkshireman Member Since: 10 Jul 2010 Location: Yorkshire Posts: 350 
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Direct Line don't cover for any off road use though.... Proud owner 110 Utility XS Ex RR Sport HST V8 Ex Td5 90 |
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24th Jul 2011 7:07pm |
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| chopdogs Member Since: 10 Mar 2010 Location: Wiltshire Posts: 108
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Just bought a 2008 Puma 90 XS.
It has a winch on it - not something I was desperate to have but if it's there...... 
Direct Line said they could only insure me if I removed it! NFU quoted £567 Adrian flux quoted £375 then reduced to £351 as I'm a Wessex 4x4 Response member and then down to £321 when I said I didn't want all the accidental injury & lost key cover - useless stiff which never pays out anyway. Covered for green laning & not fussed about the winch Result I thought
EDIT - must change my signature........ |
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2nd Nov 2011 3:38pm |
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| BigMike Member Since: 13 Jul 2010 Location: Lancashire Posts: 2253
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AF will never again see a penny of my money. Rang them to flip the defender insurance (400 quid a year) to my landcruiser - restricyed mileage to 5000 per annum, not modified. "yes no problem, your new premium is £1800". WHAT?! They weren't for moving so I said ok, cancel the policy (I'm 3 months in) they said sure, you can have 80 quid back. Eighty quid?! Policy has only been running for three months. "ah its the fees". WHAT?! I said look, I pay for the policy at the time of purchase, I don't split it monthly, if I did do that and cancelled what then? They said oh yes, if you were paying monthly you could just stop the DD. So basically I've been penalised for having the money to pay for the policy in one go. Absolute tossers. I've written to the insurance ombudsman about it.
Quote from a different specialist insurer? £360. AF can go to hell. |
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2nd Nov 2011 4:31pm |
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| MuddyMarky Member Since: 01 Feb 2010 Location: Oxfordshire Posts: 548 
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Are Byways/greenlanes off road? I thought they were classed as a highway, hence you need tax/MOT/insurance etc to legally be on them. My point is, they (the insurers) don't really need to know whether you use your vehicle on them any more than the tarmac.
Or are you looking for 'proper' off road use insurance? Mark 2011 110 XS DC Stornoway Grey |
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2nd Nov 2011 5:00pm |
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| BigMike Member Since: 13 Jul 2010 Location: Lancashire Posts: 2253
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Exactly right. Green lanes are highways so it's s con when an insurer says "we cover green lanes" when they all do.
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2nd Nov 2011 5:02pm |
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| JWL Member Since: 26 Oct 2011 Location: Hereford Posts: 3443 
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The old insurance adage of "We're here for your protection" has totally gone out of the window these days. A couple of years ago I had bought a 7.5t horsebox insured it, fine was a bit more than I was paying for any of my Landy's. It rarely got used so when the plate ran out it just stayed parked up where it was and after a month or so I decided to get shot of it. As with any motor they sell better with test on them so off to test we went. First of all it had to be insured so I could drive it to the test centre etc. The premium had gone up(as per usual) and a new policy of the insurance company was that they wouldn't do DD and I had to pay up 12mths straight away. Never mind I thought, when the lorry is sold I cancel and get a refund. How wrong was I. No refunds even though I argued the point that the buyer had to put insurance on the vehicle that I allready had a policy on. What a rip off
 And there's me thinking that there is something illegal about having more than one policy on a vehicle, something to do with fraud, but it must be OK for he insurance companies as they write the rules |
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2nd Nov 2011 10:43pm |
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