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mpald



Member Since: 16 Dec 2016
Location: North East
Posts: 46
United Kingdom 2004 Defender 90 Td5 HT Keswick Green
2024 Insurance for a TD5
I would be grateful for any recommendations for insurers.

I have a 2004 TD5 with no modifications and have used A Plan/Howdens for a number of years; I do fewer than £10k miles per year, the vehicle is garaged, and I live in a low-crime postcode.

I accepted an increase last year but this year's premium is coming in at more than twice on-line quotations via the Meerkats. I accept the benefits of the in-person service but twice the price is hard to swallow. I used Adrian F. in the past but did not like them [they cancelled my insurance when I moved 1 mile away and they said the risk was too high].

Any recommendations would be gratefully received!
Post #1040716 22nd Jul 2024 2:57pm
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TexasRover



Member Since: 24 Nov 2022
Location: Paris
Posts: 1084
France 2002 Defender 110 Td5 DCPU Chawton White
I used to live in the UK. The insurance market in the UK is F.U. There is no such thing as loyalty in insurance world. After you weed out the BS quotes you need to look at the benefits and the cost and make a call on that.
Post #1040718 22nd Jul 2024 3:55pm
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34064



Member Since: 12 Dec 2023
Location: South Central
Posts: 192
United Kingdom 2003 Defender 110 Td5 HT Alaska White
Just renewed again with the NFU my local branch have always been very helpful and anytime i have had issues they have been flawless. I also like them as they dont charge you through the nose for any changes and you can speak to someone who you can understand and who understands you! 110 Td5 Ex Utilities slowly converting into a pop top camper one day

Build thread:https://www.defender2.net/forum/post1024784.html#1024784
Post #1040720 22nd Jul 2024 4:00pm
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CarMan



Member Since: 29 Nov 2010
Location: Cotswolds
Posts: 1862
United Kingdom 
NFU for my three Thumbs Up Rob

1993 200tdi 90 hard-top
1998 300tdi 90 soft-top
2016 2.2 XS 90 hard-top (sold)
Post #1040722 22nd Jul 2024 4:02pm
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cee-b



Member Since: 25 Jan 2018
Location: South West
Posts: 117
United Kingdom 
Try Adrian Flux, they have a speciaslist Land Rover dept and will also do agreed value. My premium with them on agreed value is cheaper than many other companies quote for market value.
Post #1040726 22nd Jul 2024 5:09pm
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mpald



Member Since: 16 Dec 2016
Location: North East
Posts: 46
United Kingdom 2004 Defender 90 Td5 HT Keswick Green
Thank you for the recommendation with NFU; I have dropped them a line.

I am reluctant to use AF - they dropped me in it in the past when I moved house, called to tell them, and they cancelled my insurance with immediate effect - 'the risk is too high in this area', and I had moved less than 1 mile from previous address!
Post #1040728 22nd Jul 2024 5:21pm
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DAZ110



Member Since: 06 Dec 2007
Location: East Sussex
Posts: 2039
United Kingdom 2013 Defender 90 Puma 2.2 XS CSW Barolo Black
LV have been good to me in the past.
Might be worth a phone call?
Post #1040765 22nd Jul 2024 9:03pm
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BadgerWaz



Member Since: 15 Jul 2024
Location: Linconshire
Posts: 92
United Kingdom 
If you own your own company I'd advise seeking fleet insurance. They take into account that you can only drive one vehicle at a time and there are no mileage caps, and usually anyone over the age of 30 (not necessarily employees) can drive any of your fleet insured.
'No way' would we have achieved the same premium costs if we'd insured each vehicle independantly as we have before.
Post #1040766 22nd Jul 2024 9:15pm
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mpald



Member Since: 16 Dec 2016
Location: North East
Posts: 46
United Kingdom 2004 Defender 90 Td5 HT Keswick Green
A superb service from the NFU with a £400 saving on the quotation from elsewhere! This included a reduction in all the excesses [fromn £1k to £250], increase in usage, inclusion of other benefits.

Thank you for the recommendation, and I would encourage others to look at the NFU!
Post #1040823 23rd Jul 2024 3:43pm
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