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keith

Member Since: 15 Aug 2012
Location: Edinburgh
Posts: 2237

Having never paid more than £200 for any of my landrovers in 40 years and never made a claim, you can understand my shock when I got a quote this year for £1400 😮 was reduced to £480 and Iv just today been given a refund of £200 taking my policy back to £280. CAR-AZY.

21st Feb 2025 4:56pm

DefenderMidlands

Member Since: 08 Mar 2023
Location: West Midlands
Posts: 254

Wow. You’re paying £280 a year to insure a new model defender? That’s very cheap MY25 D350 Defender 110 X, Carpathian Grey, 7 Seat, Electric Towbar

21st Feb 2025 6:07pm

keith

Member Since: 15 Aug 2012
Location: Edinburgh
Posts: 2237

Yeh sorry for the miss information I realise now the quotes were for “new defender” my prices are for Puma 2.2

even though, it’s still shocking prices and quotes throughout the board for all models.

21st Feb 2025 6:12pm

dspuk

Member Since: 25 Oct 2024
Location: South
Posts: 45

Not sure about “coming down” as this is the first one I’ve insured but it certainly pays to use a comparison site.

We had our Tiguan and California on an LV multicar at 600 for both, was pretty happy with that down from 1000 the previous year.

Sold the former to replace with a new 110 on March 1 and just had a quote of 1700 from LV.

Used Meercat and got down to 810 with all the bits. Could have gone down to 710 with no extras.

Admiral was the winner for us, but of course all driver and location dependent.

The Adrian Flux comment was salesman twaddle. There are not “loads of Defenders” in containers.

22nd Feb 2025 3:11pm

lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 3011

Sadly gone are the days when you could visit your broker and discuss the quote, now it's all down to what the computer says.

22nd Feb 2025 5:46pm

lightning

Member Since: 23 Apr 2009
Location: High Peak, Derbyshire
Posts: 3011

keith wrote:
Yeh sorry for the miss information I realise now the quotes were for “new defender” my prices are for Puma 2.2 even though, it’s still shocking prices and quotes throughout the board for all models.

The lowest quote l ever had for any of our old Defenders was around £300. Mostly it was £400+

There was always a background of people on the forums who got insurance for £150 or less, but l could never get near it.

22nd Feb 2025 5:48pm

XplusYplusZ

Member Since: 16 Aug 2021
Location: UK
Posts: 524

So, I made the call today to Admiral and I've gone from £2915pa down to £1845pa - £1070 saved.

Same policy, same insurer. They were also very proud to tell me they waived the £60 cancellation fee..

On appearance it seems very nice, but it's not so generous now that I know they've been overcharging me for several months with no plans to tell me! Sneaky

.

Check your quotes regularly people.

3rd Mar 2025 12:45pm

nobbyclark

Member Since: 19 Jan 2011
Location: Cumbria
Posts: 56

I eventually went with Aviva as Saga wouldn't go below £700. £519 is still a lot more than I was paying before, despite no claims and the vehicle being worth less. 2024 Defender 110 X-Dynamic HSE P400

3rd Mar 2025 5:40pm

J77

Member Since: 04 Nov 2019
Location: Fife
Posts: 3450

Mines down £300, but £700 still way more than I was paying. Went with Hastings direct. 24MY 90 D250 HSE, Tasman Blue

9th Mar 2025 6:26pm

Dannymm

Member Since: 28 Jun 2024
Location: Wiltshire
Posts: 19

TexasRover wrote:
One benefit of not living in the UK, just renewed my insurance in France:

110 Defender: Euro 340
Disco 4: Euro 400
P38: Euro 250
Series 3: Euro 200

All cars for daily use, kids included and in outer skirts of Paris. Either there is a lot of vehicle theft/insurance fraud in the UK or the insurance market itself is creaming the profits.

Could I ask who you use for your car insurance in France? I'm moving over there in the summer and need to look for insurance for the Defender.

1st Apr 2025 3:50pm

ruben

Member Since: 04 Feb 2021
Location: ASTURIAS
Posts: 306

I don't know what you're talking about, or what the system is like there. Here in Spain, to put it briefly, there's a basic, mandatory insurance policy called "third-party liability insurance," which covers damages you cause to others but not your own. Then there's the "comprehensive" insurance, which covers the mandatory third-party liability insurance and also your own damages... logically, comparing the two is like comparing an egg with a chestnut, meaning they have nothing to do with each other. Having said all that, a new Defender pays around €400 for third-party liability and around €800 for comprehensive insurance, with a small deductible that forces you to pay an initial amount of the first €100 or €200, and then nothing. Above €1,500, the latter case has no deductible whatsoever... I don't know if it's the same thing... so when you talk about the cost of insurance in the UK, what coverage are you really talking about? The thing can be very different to be able to compare, and it can give a very wrong idea.IMHO Defender 110 SE I6 D250 23MY
ExDiscovery 3 TDV6 SE

1st Apr 2025 6:30pm

TexasRover

Member Since: 24 Nov 2022
Location: Paris
Posts: 1212

2002 Defender 110 Td5 DCPU Chawton White

Dannymm wrote:
TexasRover wrote:
One benefit of not living in the UK, just renewed my insurance in France:

110 Defender: Euro 340
Disco 4: Euro 400
P38: Euro 250
Series 3: Euro 200

All cars for daily use, kids included and in outer skirts of Paris. Either there is a lot of vehicle theft/insurance fraud in the UK or the insurance market itself is creaming the profits.

Could I ask who you use for your car insurance in France? I'm moving over there in the summer and need to look for insurance for the Defender.

Sorry did not see your question. We use MAAF a mutuelle. I looked it up and it means Mutuelle d'assurance des artisans de France. There you go. It was recommended to us by some French family. They are easy to deal with, have not had to make a claim so 🤞

1st Apr 2025 6:37pm

TexasRover

Member Since: 24 Nov 2022
Location: Paris
Posts: 1212

ruben wrote:
I don't know what you're talking about, or what the system is like there. Here in Spain, to put it briefly, there's a basic, mandatory insurance policy called "third-party liability insurance," which covers damages you cause to others but not your own. Then there's the "comprehensive" insurance, which covers the mandatory third-party liability insurance and also your own damages... logically, comparing the two is like comparing an egg with a chestnut, meaning they have nothing to do with each other. Having said all that, a new Defender pays around €400 for third-party liability and around €800 for comprehensive insurance, with a small deductible that forces you to pay an initial amount of the first €100 or €200, and then nothing. Above €1,500, the latter case has no deductible whatsoever... I don't know if it's the same thing... so when you talk about the cost of insurance in the UK, what coverage are you really talking about? The thing can be very different to be able to compare, and it can give a very wrong idea.IMHO

The other thing that is different from my experience having insured cars in the UK: in the UK the driver is insured, while in Europe the car is insured. So when you have kids it's a lot cheaper for them to drive around in your cars. It's prudent to name them on the insurance as they can build up no claim and in case you have to claim. On our (French) insurance there was no additional cost to name our 19 year old son so he can drive around the Discovery and Range Rover. Try that in the UK

1st Apr 2025 6:40pm

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