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lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2734

lnsurance, still going up

In 2022 l paid £300 to insure my Defender Commercial.
ln 2023 it was £700

My renewal quote this month is £1,000

lt's had the security update which is supposed to reduce the premium. But the insurance just said that was "something l chose to do myself" and it had no bearing on the price.

When l checked the renewal a few weeks ago it was £670. No wonder the govt is looking into it. It's hard not to feel ripped off.

Although l realise that £1,000 is still less than many are paying.

Last edited by lightning on 25th Oct 2024 1:30pm. Edited 1 time in total

25th Oct 2024 8:39am

TexasRover

Member Since: 24 Nov 2022
Location: Paris
Posts: 1034

2002 Defender 110 Td5 DCPU Chawton White

The car insurance market in the UK is screwed up from all sides, the insurance companies and their opaque system with agents and underwriters AND the many claims scams going on by customers, repair companies, hire car companies etc.

Already quite a while ago I was faced with a claim against me (UK) and had a claim adjuster come to the house. Ex cop, cup of tea and the scam stories came out, shady characters making claims involving cousins etc. then in the end my insurance settled for 15k because of OP claiming to have had a fright (damage was limited to knocked off mirror). No doubt their lawyer claims company benefitted most.

No wonder premiums are rising

25th Oct 2024 9:57am

markb110

Member Since: 22 May 2010
Location: Guildford
Posts: 2623

We are also paying for those useless EV's that have to be written off then then stored in a safe manner.

Not to mention that they don't want us driving.

This must explain why Defenders on the Land Rover Approved web site are dropping in value.

25th Oct 2024 12:36pm

lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2734

Anyone got a recommendation for Defender Commercial insurance? Currently with LV and waiting for a callback from Adrian Flux.

Tried "Compare the Market" and most were £900+.

One came in at £650 but it's a company l've never heard of, Zego, who seem to insure a lot of private hire vehicles.

Their reviews are a mixture.

UPDATE
Adrian Flux £1500

Last edited by lightning on 25th Oct 2024 2:18pm. Edited 1 time in total

25th Oct 2024 1:34pm

Moo

Member Since: 01 Oct 2021
Location: UK
Posts: 1352

Try the caravan club. Eiger Grey MY23 D250 SE with bits. Known as Noddy.

25th Oct 2024 2:16pm

lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2734

Really, never thought of them, we are members l'll give them a call.

25th Oct 2024 2:19pm

DrRob

Member Since: 29 Mar 2017
Location: Hampshire
Posts: 166

Try the NFU and also hammer the comparison websites MY25 90 D350 X-Dynamic HSE in Silicon Silver and coil sprung
1974 Series 3 Lightweight = "Millie"
Many Range Rovers and Land Rovers over the years 😂
1949 80" - still in family since 1975

25th Oct 2024 2:42pm

Badeagle

Member Since: 27 Aug 2022
Location: London
Posts: 53

Have you tried Land Rover Insurance MY23 XS 110 D250
2003 Jeep Cherokee Limited

25th Oct 2024 8:22pm

bankz5152

Member Since: 02 Feb 2017
Location: South London/North Kent
Posts: 2149

Always found comparison sites pointless for Defenders.

I feel ive been fairly lucky.
Business 20k p.a, heavily modified, lowest 600, highest 1600 (3 accidents in a year, before the big price rises). Currently £800 with a cat 2 immo. Even in the big rise era it was £830.

33 now, driving them since was 21. Currently 3 previous claims.

Found Flux terrible. Awful customer service, awful people. Instagram @defender_ventures
Empire Tuning - Agent

25th Oct 2024 8:31pm

WizzardPrang

Member Since: 05 Nov 2020
Location: Hertfordshire
Posts: 153

lightning - NFU are worth a try. I stayed with them (just last month) - they were cheaper than Aviva (lots!) and LV. Plus if you pay monthly they don't charge interest unlike pretty much everyone else. I didn't bother with comparison sites. Good luck

Current vehicle: 2020 Defender 110S
Gone: Defender 90 HT 200Tdi, Discovery Sport, Freelander 2

Insta: wizzardprang

25th Oct 2024 8:57pm

Moo

Member Since: 01 Oct 2021
Location: UK
Posts: 1352

Funny, I found NFU friendly, the most expensive and very intrusive on the questions.

Best I've found is Admiral. Eiger Grey MY23 D250 SE with bits. Known as Noddy.

25th Oct 2024 9:57pm

lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2734

Land Rover insurance quoted £700

Didn't expect that. Will most likely go with that, just need to find out if they need an active tracker subscription because mine lapsed last year.

26th Oct 2024 8:42am

A1C6

Member Since: 15 Oct 2024
Location: Australia
Posts: 35

Re: lnsurance, still going up

lightning wrote:
lt's had the security update

What's that?

26th Oct 2024 9:30am

lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 2734

There was a recent security update to prevent the code grabbing theft where someone in a vehicle nearby "grabs" the signal when you lock your vehicle. Then once you've left they just unlock it and drive off in it.
You had to take the vehicle in and it was done while you wait.

lf yours needed the update you'll have been contacted by Land Rover.

26th Oct 2024 11:03am

pjm-84

Member Since: 12 Apr 2021
Location: Hampshire
Posts: 661

markb110 wrote:
We are also paying for those useless EV's that have to be written off then then stored in a safe manner.

Not to mention that they don't want us driving.

This must explain why Defenders on the Land Rover Approved web site are dropping in value.

So that's why my Volvo went down this year? £420 to £319

27th Oct 2024 7:55am

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