By Freddiegas - 15 Apr 2009
Just about to take delivery of the German team's 2009 Challenge Discovery - already nicknamed by the kids as Ugly Betty the Ginger Fun Bus - and wonder if anyone can recommend a good and cost effective insurance broker for a car with so many modifications that appear to be putting off the usual cut-price insurance people such as Elephant. Land Rover's price is GBP671.00
|
By Erasmus - 15 Apr 2009
Congratulations on your choice of car :cool:
Technically it has not been modified as it was built like that by Land Rover :w00t: however persuading insurance companies of that is not easy.
I personally use Adrian Flux who have been very good, IIRC mine is approx £400 a year, but that is for a car that is registered in my company name and is used for business, has a guaranteed value and green lane cover. They give a discount for club members, as do Sureterm.
One thing I would recommend when sending back the signed policy is providing a complete description of the car with part names etc. as well as pictures that way they can't wriggle out of it.
HTH.
|
By camel_landy - 15 Apr 2009
NFU get my vote.
I've had my cars with them for years. As far as they're concerned, all the accessories are 'standard fitment' for a Landy. :cool:
However, like Mars says, it's probably worth listing all the accessories fitted.
M
|
By Bigrich - 15 Apr 2009
I'll put my thumbs up for NFU too, we thought it would be easy to get insurance, but we even found it difficult to get a quote for our G4 110.Tesco's refused to quote because they didn't have a box on their system to enter any modifications, and some of the 'land rover' specialists in the magazines also said they couldn't because of the mods. Direct Line in fairness at least quotd but only the NFU said yes without a problem. We nearly posted the same question on here, but by the time we realised there may be a problem we were already on the way to colect Oscar! Good Luck Rich and family
|
By Erasmus - 15 Apr 2009
camel_landy (4/15/2009)
NFU get my vote.
However, like Mars says, it's probably worth listing all the accessories fitted.
MMars :ermm:
Bigrich (4/15/2009)
I'll put my thumbs up for NFU too, we thought it would be easy to get insurance, but we even found it difficult to get a quote for our G4 110.
Tesco's refused to quote because they didn't have a box on their system to enter any modifications, and some of the 'land rover' specialists in the magazines also said they couldn't because of the mods. Direct Line in fairness at least quotd but only the NFU said yes without a problem.
We nearly posted the same question on here, but by the time we realised there may be a problem we were already on the way to colect Oscar!
Good Luck
Rich and family
Strangely enough Tesco were happy with mine, my previous Disco was with them and when I bought the G4 I phoned them up and swapped the insurance with no problem. They couldn't compete at renewal time though.
The funniest one of the LR specialists in the mags was the one who used a G4 Disco in their advertising, when I called them they had no idea what I was talking about, even when I told to look at their own advert :crazy:
|
By camel_landy - 16 Apr 2009
Mars???
I don't know how I managed that one... The 'S' is no where near the 'K' on the keyboard??!!??
Hey ho...
M
|
By Erasmus - 16 Apr 2009
camel_landy (4/15/2009)
Mars???
I don't know how I managed that one... The 'S' is no where near the 'K' on the keyboard??!!??
Hey ho...
M
That's what I thought :crazy:
|
By G4 LRV - 16 Apr 2009
Guys,When I bought my 2009 G4 Disco I was offered 1 weeks free insurance from Land Rover Insurance(they faxed through a cover note so I could get it taxed and drive away from the dealer within a half an hour too). I had a quote from MORE THAN who originally insured my Disco 2 which was £480... LR Insurance charged me £370 fully comp and protected (£450 compulsory excess though...). Guess who got my business! They knew what the vehicle was too ;-) Vic BL57 TWY UK PR & Belgium PR Vehicle
|
By Kisangani - 16 Apr 2009
Hi there'Ugly Betty the Ginger Fun Bus' what a great name, sounds like a good movie title!! We've just insured our 08 D3, and had the same tooing and froing. Sureteam wouldn't quote at all, LR quoted £580, various run of the mill insurers came back aound the £300 mark. In the end off advice from the forum, we ended up with Adrian Flux. £510 for business use and off road cover. We also took advantage of the LR 7 day free cover, why not hey. I tried to get agreed value insurance, but as she is still so new they wouldn't allow me to. 5-10 years and it might be possible. They seemed to understand what the G4 vehicles were about and did not need photos, but asked for a general list of modifications. We eventually decided to get gap insurance too. The dealer had tried to sell us cover, but we declined and looked into it our selves. Saved £100 or so. What are your opinions of gap insurance?? Good luck with the insurance hunt Cheers Rich
|
By Erasmus - 16 Apr 2009
gap insurance?
|
By Freddiegas - 16 Apr 2009
Many thanks to everyone for your swift responses and sound advice. I've managed to get a reasonably-priced policy arranged by Adrian Flux with Sun Alliance and a written confirmation that all the modifications are covered. Hope to collect the car tomorrow so keep your eyes peeled for Ugly Betty on the mean streets of south east London.All the best, Freddiegas
|
By TJ101 - 17 Apr 2009
Erasmus (4/16/2009)
gap insurance?Mark or is that Mars :) Gap insurance is to cover the difference of the amount of the payout, and the amount owning on the vehicle, in case of a total loss,, IE, if they pay out the valve of the car, @ say £30k,, and you owe £35 on it, Gap insurance cover the £5K short fall
|
By Erasmus - 17 Apr 2009
Ah, I understand., makes sense now.
Thanks Tim.
|
By Mark & Melanie - 17 Apr 2009
Landrover invoice gap is better if you are paying for that type.
you get the difference from the purchase price to the insurance payout back from the invoice gap policy....
it's great if you do high mileage as your car is relatively worthless at the end of the policy so if you are unfortunate enough to have it wrote off just before it expires you get your involve price back....
I've not been that lucky yet but one of my mates was...
|
By Kisangani - 18 Apr 2009
Hi Mark, I missed your query on gap ins., my apologies, but it has been well defined by Mark and Melanie. There are numerous types of GI. I took the back to invoice type cover. The other alternative was retail value GI but this takes a glasses guide valuation of the vehicle when bought new, then allows for depreciation to the point of your purchase. Very similar to invoice GI, but would not cover all the modifications on the G4 vehicles. As Tim explained mostly GI is taken out for covering shortfalls to cover finance and credit agreements in the event of write off. If anyone is interested I paid £280 for four years cover with a max. gap value of £28,000 with unlimited mileage. As a one off I felt it a reasonable price to pay, although I'm still of the mind its insurance for insurance sake!!?? cheers Rich
|