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Home > Finance & Insurance > NO ONE WILL INSURE A 2016 DEFENDER!!! PLEASE READ
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gilarion



Member Since: 05 Dec 2013
Location: Wales
Posts: 5111
Wales 2007 Defender 90 Other CSW Trident Green
Try Sterling Insurance Phone: 0344 381 9990. I insure with them great quotes. For those who like Welsh Mountains and narrow boats have a look at my videos and photos at..

http://www.youtube.com/user/conwy1
Post #1015633 19th Nov 2023 1:08pm
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Jerry



Member Since: 13 Nov 2015
Location: Cardiff
Posts: 199
2015 Defender 110 Puma 2.2 Adventure Phoenix Orange
carldac wrote:
andy2111 wrote:
That would mean an awful lot of uninsurable vehicles over the next 12 months...

Yep. It's an absolute joke. I wouldn't mind; this isn't even about trying to get the best deal... I can't even get a quote, which means I have zero options other than to sell the vehicle, which I don't want to do. Fuming....


Did you have any success with getting insurance ? Just asking as mine is due for renewal next month and is a modified 2015 110 Adventure SW. thanks

(Martin - might be worth moving this thread into the INSURANCE section)
Post #1015770 20th Nov 2023 2:49pm
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Stacey007



Member Since: 25 Sep 2015
Location: Cheshire
Posts: 3757
United Kingdom 
Sterling insurance for me this year / was LV



All mods declared, Alloys, towbar, seats, trim, audio, Steering wheel, remap etc etc



It went up £100 from LV but I think all insurance has
Post #1015774 20th Nov 2023 3:22pm
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Chicken Drumstick



Member Since: 17 Aug 2020
Location: Near MK
Posts: 751
United Kingdom 
I wonder if there is more going on here. The Op seems to be a little absent from the thread.

I've just run a Compare the Market comparison for a 65 plate hard top 90, parked on a drive, 5 yrs NCB and remapped. Lots of quotes back. Cheapest £952, although there are lots of silly ones and the excess rate is high on most of them. But certainly not uninsurable.

Would a non hard top and 2016 plate make a real difference here? Or is it something specific with the ops vehicle/reg or personal details?
Post #1015806 20th Nov 2023 6:27pm
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Leamreject



Member Since: 19 Dec 2020
Location: Middle Earth - Leamington Spa
Posts: 970
Italy 2011 Defender 90 Puma 2.4 HT Fuji White
Admiral re insured mine yesterday for £328 on a restricted 3k per year policy with a £250xs. Although I do have 21 years NCD, a very clean licence with advanced qualification and i’m just over 55.

I did the usual compare van insurance search for the best price and they started at £260 per year, but from insurers I’d not heard of, Admiral I’ve used several times before so although a little bit more expensive they got my business. Ride like you stole it!!
If I’m not on a bike it’s because only a 4x4 will do…
2011 2.4 Puma 90 HT
Post #1015858 21st Nov 2023 4:37am
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Caterham



Member Since: 06 Nov 2008
Location: Birmingham
Posts: 6300
England 2011 Defender 110 Puma 2.4 XS CSW Stornoway Grey
I thought these days the norm was not to bother insuring....

don't you just get £60 fine and a few points.....overall works out much cheaper.




UK / Britain Rolling with laughter .....not just trying to get insurance.


feel for you Sad

someone bright spark seems to have turned common sense up on its head. Big Cry
Post #1016238 24th Nov 2023 10:27am
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Scrumps



Member Since: 24 Feb 2021
Location: Somerset
Posts: 108
United Kingdom 2005 Defender 90 Td5 CSW Cairns Blue
Hi,

Just renewed my 2005 90 CSW.

Last year was £182.64, this year £193.00

Very happy! Very Happy

Scrumps 90 D250 HSE Tasman Blue
24MY L461 RRS Verasine Blue
05 TD5 90 CSW Cairns Blue
1967 MGB BRG
1944 Willy’s MB OD green
1942 Willy’s MB OD green
Post #1017624 6th Dec 2023 1:57pm
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BrickBox



Member Since: 05 Oct 2021
Location: Wales
Posts: 837
Wales 2008 Defender 110 Puma 2.4 USW Zermatt Silver
Who is that with? Always good for members to see who’s quoting etc. 2008 2.4 110 Utility Station Wagon XS.
Post #1017630 6th Dec 2023 2:51pm
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AJC



Member Since: 30 Nov 2015
Location: Lancashire
Posts: 1364
United Kingdom 
I had a 100% increase in premium this year. when i shopped around no one could match my current insurer so i had to bite the bullet.

He did mention to me on the phone that Land Rovers are currently difficult to insure and they have asked if even my D2 can be garaged over night
Post #1017632 6th Dec 2023 2:58pm
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Co1



Member Since: 19 Aug 2018
Location: North Yorkshire
Posts: 3678
United Kingdom 2013 Defender 90 Puma 2.2 HT Loire Blue
Moo wrote:
NFU will insure new Defenders with keyless entry, they just charge for it.

I was quoted £4200 for mine two weeks ago. I stayed with Admiral at £2600 despite it being double my existing premium £1300, it was still the cheapest and nothing had changed in our personal circumstances. Comparison websites were from £6k -£7k. Shocked

I'd double check they got the right. It seems odd Thumbs Up


I’m not sure if it’s a north/south thing or something, but I’m based up in Yorkshire and the premium on my MY23 90 is £420. That’s with Hastings.

My 2013 90 was about £320 with all mods declared via LV.
Post #1017652 6th Dec 2023 6:59pm
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andy2111



Member Since: 17 Oct 2021
Location: Kent
Posts: 365
United Kingdom 2002 Defender 110 Td5 HT Bonatti Grey
I just renewed with Lancaster.

Premium went up by nearly 5o% so I called and asked what they could do as I didn't really want to start calling around and they effectively dropped the increase and I ended up paying just a fraction more than last year.

They also up sold me a guaranteed valuation for £18. I've not completed the process yet, but given how much I have spent on my truck I think its good to know what I'd get in the event of a total loss. TD5 hardtop to Puma inspired Poptop - my build thread

2002 110 TD5 Hardtop ¦ Full Puma interior ¦ Carpathian grey / Santorini black ¦ X-Vision-X poptop
Post #1017739 7th Dec 2023 8:03pm
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htb2



Member Since: 02 Nov 2018
Location: Carmarthenshire
Posts: 531
Wales 
Enquired today with my broker about my 2005 Hi cap, they quoted £686 for no business use, if I insure it for business use its £380, you figure.
Post #1017740 7th Dec 2023 8:08pm
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RDR



Member Since: 27 Apr 2018
Location: Derbyshire
Posts: 592
United Kingdom 
had similar with a Cupra Born recently insured it and noticed they missed the business use off went back to add business mileage on and it reduced the premium buy a few hundred I took it and ran before questioning it Laughing 110 MY23.5 X Dynamic HSE
RR MY23 HSE PHEV
D5 MY19 HSE - Now Sold
D4 MY16 HSE Luxury - Now Sold
D4 MY12 HSE - Gone
D3 MY06 S - Gone but not forgotten
Post #1017795 8th Dec 2023 11:20am
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Jerry



Member Since: 13 Nov 2015
Location: Cardiff
Posts: 199
2015 Defender 110 Puma 2.2 Adventure Phoenix Orange
Ok, here's my experience for renewing.

MY2015 110 Adventure SW, replacement value 60k, modified with winch, spare wheel carrier, spot lights and a few other minor additions. (no engine remap or suspension changes)
kept on road, Cardiff, limited mileage <3,000pa
I'm low risk - never claimed or had an accident etc

Current insurer A-plan - declined renewal (combination of too expensive, too modified, too new)

Lancaster - no options (too new and modified)
Brentacre - nothing
Connect a Quote - nothing
Footman James - nothing (classic only)
Heritage - nothing (classic only)
Keith Michaels modified 4x4 insurance - No (too new, too high a value)
Green light - No (only vehicles upto 30k)
LV - No (too modified)

Adrian Flux and Sterling (similar options) could quote. Either wanted Cat 1 thatchams fitted (PIA) but then £400 premium, OR no Cat1 and £1200 premium with £950 excess....

almost lost hope and started filling out a profile on Motorway (felt sick doing that)

last try NFU mutual direct (after a recommendation on here). modifications and replacement value no problem...sensible excess, including home start breakdown, protected NCB, £675 and interest free payments (better than last years A-plan by £200). Taken this out and deleted my motorway profile!

I hope this helps others save some time with a 2015/16 Defender.... so not impossible to insure but blinkin difficult.

If older, modified and cheaper to replace, then far easier.... is my take home message.
Maybe if I had a garage/ drive it would be easier.
Post #1018831 20th Dec 2023 4:05pm
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markb110



Member Since: 22 May 2010
Location: Guildford
Posts: 2643
England 2002 Defender 90 Td5 HT Epsom Green
Congrats, I’ve been with the NFU for 24 years now.

Must be due my gold plated Massy Ferguson model next renewal…..
Post #1018836 20th Dec 2023 5:02pm
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