By yellodisco - 19 Sep 2012
Who do you chaps insure your G4s with? Had my renewal through - expensive, so and its time to start shopping around. Looking for good cover and service at reasonable cost (is that possible???)Thanks for any suggestions / advice, Alan
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By RocKeR - 19 Sep 2012
I use Admiral Multi-car. Not sure of the actual renewal amount but it seems it's about £120 p/a more than my Vauxhall Insignia VXR. I was expecting a lot more than that so haven't shopped around yet.
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By Steveraspberry - 19 Sep 2012
+ 1 for Admiral multi car. My MY08 G4 D3 is £440 fully comp as opposed to £740 for my MY12 D4 and £270 (!) for Alis' MY12 FL2
Not bad for fully comp on all 3 cars with a value of about £100k. Hope this helps?
Best,
Steve
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By Andy131 - 19 Sep 2012
Farmer union £800 for business use on a 2008 FL2
Expensive, but by thier nature you are covered on green lanes etc.
Renewal was to be £1,000 including the "loyalty bonus". Told them I was leaving and they gave me a "new user" policy, seems loyalty doesn't mean much.
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By Redlandy9912 - 19 Sep 2012
Farmers Union, They do tend to be a bit dearer than other companies but their cover is second to none and the excess is affordable when things go wrong, when my 110csw was stolen 2 years ago, they paid out in no time and I got top market value for the Landy, just make sure you keep all documentation for your vehicle, service history cost of any repairs and lots of photos to prove condition.
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By davezrx - 20 Sep 2012
ive got discovery 2 fully comp £367.00............fitted with skytag ,locked behind 11 foot gates under carport covered by cctv
and triumph 2011 speed triple £357.00 ............locked in garage ,also locked on padock stands in garage ,blocked in with landrover
dont consider this a high price as ,£20,000 plus for both retail value
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By DurtyDisco - 20 Sep 2012
We have both trucks with Lancaster insurance, £220 for the D1 commercial and £420 for the D3 G4.......
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By yellodisco - 25 Sep 2012
Thanks for the responses - will make some calls this week
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By L18OYD - 2 Mar 2013
Just did mine with Priviledge... D3 BV55 it was around the £400 mark with Business Miles. Did not think about the Green Lane aspect... Thought Adrian Flux did quite good quotes, but must admit was a bit short for time in doing the renewal and needed things like legal cover and courtesy car just in case... And now seen Holland Trip in May may be tempted to get EU insurance
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By ian_the_hse_chap - 5 Mar 2013
Guys,
Worth checking your policies carefully. Mine is due in a couple of weeks so have been hitting the compare sites. In all cases Admiral came out tops, BUT follow up questions revealed apparently if you have a snorkel fitted they say they can't insure you. I answered no to the usual is the vehicle modified question but qualified by saying it is as it rolled off the production line back in 2005 and listed the features. To which the guy said so it doesn't have a snorkel? The upshot was they cant or wont insure it because of that being fitted.
I'm not saying he is right I could have had a bone call center operator but the last thing you want is to think your insured and find out when you have a prang your not and most likely the insurance companies will blame you or deny you gave them the correct information.
I'm suffering with a lack of no claims (as I've been overseas for years and it doesnt count) but I had a good deal with Direct line last year and this year have gone with quote me happy. Its 800 quid but for a guy with technically only a years no claims I accept that.
Direct line sent me the renewal note and advised I hadn't been insured for theft for the last year as they'd not received my tracker certificate. My reply was "Really? thats odd whats this conformation letter I have here then????" Needless to say Direct line have been quickly dropped for incompetence.
All of the above just trying to highlight what a mine field insurance can be..... particularly for our chosen vehicles.......
Cheers for now
Ian
PS Tried NFU and the cover was superb but a tad more expensive than last year......
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By marco g4 - 5 Mar 2013
I have admiral multi car and they insure the d3 with the snorkel, as it is a factory fitted extra and it is on the policy with the list of factory fitted extras.
Mark
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By Pip66 - 5 Mar 2013
NFU, been with them 29 years. And just renewed today !!!
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By ian_the_hse_chap - 5 Mar 2013
marco g4 range rover (3/5/2013)
I have admiral multi car and they insure the d3 with the snorkel, as it is a factory fitted extra and it is on the policy with the list of factory fitted extras. Mark As I suspected Bone call centre obviously. He didn't even ask for factory fitted extras but was obsessed by the snorkel, hey ho. Quote me happy were only a couple of quid more.....
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By arw911 - 6 Mar 2013
I have an Admiral multi car policy, added to my small 'fleet' after much trouble with the call centre - eventually insisted on a speaking to a supervisor, I emailed in the D3 V8 55 Spec sheets, and they said £200 fully comp - protected ncd 5K miles/annum. Rationale was all stuff was factory fitted - lights, roof rack bash plates and snorkel etc. i.e. no personel modifications!
Andy
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By arw911 - 26 Mar 2013
Well that all went pear shaped. Although all bits on my G4 are from the options list
Admiral rescinded their quote because of the snorkel (raised air intake) citing that this means the vehicle is used for 'extreme' off road use comparing it with a tricked out Jeep Rubicon, and we don't insure those type of vehicles.
Spent 3 weeks getting to the bottom of it.
Ageas also said 'no' due to the winch! I assured both that the vehicle would only be used on 'public highways' and that included green lanes, public byways both here and abroad, but nope - they is the rules they said.
Finally found Aviva would do it, £387 9yrs NCD and xs 450 (again the winch fitted upped the xs!)
Never thought it was going to be that difficult.
Andy
BV55YZZ
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By Taraniis - 31 Mar 2013
One thing I have noticed when dealing with our work fleet is that all the insurers now are trying to pigeon hole vehicle types and use. Apart from making it a complete pain in the arse to get insurance it also means that the underwriters (there are only about 12 in the country) can set up "niche" market insurance companies who can then charge what they like because none of the others will touch you. We now self insure our work fleet while essential car users are still required to insure their own vehicle under their own policy.
I had an old SJ with a snorkel on it and few companies would touch me, direct line gave it legs halfway through the policy when I had the thing fitted - once I told them it was for work purposes and that as part of said job I may have to traverse flooded roads but the company doesn't supply me with a vehicle and I have to use my own so all I was trying to do was protect the engine from more damages, they couldn't insure me quick enough. I think it put the policy up by a few quid but it didn't affect my excess
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By Emon - 31 Mar 2013
Just to add to the discussions above, I have just insured the 08 D3 and having talked with many types of brokers, ended up with Aviva direct at £275 NCB protected, which was not the most competitive in the comparison sites but the only reputable company that acknowledged that all the G4 kit was LR fitted pre-registration, which is now stated in my policy. Any bits that you 'add-on' post registration are classified as modifications from standard. However, the way they covered themselves against the additional risk from a standard HSE is by upping the excess by another £300 to £600, which is fine by me.
In the past I had been with all the brokers and underwriters mentioned previously, as current owner of 5 various LR non LR vehicles, and from my experience of insuring G4s over the past years, and having 2 LRs stolen, I would strongly recommend to all members that whoever you insure with: - You declare the full spec of the vehicle (there are spec sheets for every vehicle on the forum);
- Get it mentioned on your policy that the spec is G4 Challenge; it is special LR spec and factory fitted, i.e. not modified.
- Avoid (unfortunately) the brokers at the back of LRO as I have yet to find an appropriate broker who would satisfy our needs - although I have had some tentative discussions with a broker who approached the club but no result as yet.
- There are many underwriters who will not touch snorkel'd, underbody protected or winch fitted vehicles, but disreputable brokers will pass you off to them without you knowing what they have actually agreed. Therefore have it in black & white on the schedule.
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By AntV8 - 22 May 2013
For all those that are on admiral, Just looking at putting my fleet over to them. The one thing they will not cover is any form of off roading! They covered the disco fine with all the winch and snorkel as such!
They will however cover when its at a show and in the arena displaying. The cost difference from Adrian flux is amazing almost over £400 saved on the fleet.
So any thoughts here?
Ant
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By RCT65to92 - 22 May 2013
I have no previous G4 vehicle experience but I offer a vote for Adrian Flux who covered my Defender 90 with no trouble and I have just arranged for my (new to me) G4 RRS to be swapped over.
They needed no telling what the G4 vehicle was and seemed very clued up about kit list. All I had to do was confirm that it has not been modified over and above its original G4 spec.
Being old and retired (just) so using it only for social, domestic etc the fully comp quote was very reasonable. I didn't use any no claims as I have that on a BMW and it was cheaper to cover the RRS separately than add it to an existing policy.
Just my 2p.
Brian
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By AntV8 - 22 May 2013
My fleet is currently with Adrian Flux have been for quite a few years, The price difference thou is a fair bit £200 just on the disco! You must have found a good advisor as it really is hit and miss if they know what you are on about at times lol!
Ant
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