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Annual insurance merry-go-round - again
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Journeyman
 


Member Since: 27 Sep 2020
Location: Hampshire
Posts: 116

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Will be contacting A-Plan next summer when mine is due.

I have been with LV with my D2 for years & always very competitive. However, on buying a D3 in September, LV suddenly decided to double the premium as, and I quote, “despite being an experienced driver with full no claims, over 50 and in a relatively low risk area , the Discovery 3 is a must more powerful car and you are a higher risk in it”.

I was speechless but over a barrel until renewal time.

However, on a plus side, LV halved the cost of the house insurance!
 Cheers,

Jez

Discovery 3 HSE Stornaway Grey
MY 2008 2.7 TDV6

Discovery 2 2003 - gone 
 
Post #220140512th Jan 2021 3:40 pm
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defector
 


Member Since: 23 Feb 2009
Location: Greater Manchester
Posts: 1241

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

Just a word of warning, some of the comparison websites are either owned or have significant shareholding in them by some of the insurance companies.
That's why the same company will come in lower on a comparison site but not another.
  
Post #220158413th Jan 2021 1:05 am
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LIAMMCL
 


Member Since: 27 Aug 2013
Location: Northumberland
Posts: 389

England 2009 Discovery 4 3.0 TDV6 HSE Auto Nara BronzeDiscovery 4

A Plan for 3 years now. Always compared their renewal and its always competitive.

They appear a lot more thorough when setting up the policy too.
  
Post #220159313th Jan 2021 8:39 am
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dgarside
 


Member Since: 17 Jan 2010
Location: Holmfirth
Posts: 732

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Aintree GreenDiscovery 4

Got prices through from A Plan and with all mods (inc upcoming winch) it was near enough as cheap as best on comparison site. Over £100 cheaper than my current provider.

Nice work A Plan
 RLD CB Bracket
RLD Spare Wheel Protector
RLD Sump Protector
ProSpeed Compressor Cover
TPMS Retrofit
Range Rover Digital Dash Upgrade
Tesla Style Android Screen Upgrade 
 
Post #220160313th Jan 2021 9:36 am
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 338

United Kingdom 

dgarside wrote:
Just trying A-Plan now, just waiting for prices on the phone Smile

Darren.


How did it go? Very Happy

Carlie

EDIT: My page just refreshed to show comments since that Rolling with laughter
 A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here 


Last edited by A-Plan Insurance on 13th Jan 2021 12:08 pm. Edited 2 times in total 
Post #220165113th Jan 2021 12:05 pm
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 338

United Kingdom 

dgarside wrote:
Got prices through from A Plan and with all mods (inc upcoming winch) it was near enough as cheap as best on comparison site. Over £100 cheaper than my current provider.

Nice work A Plan


Thank you Bow down
 A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here 
 
Post #220165213th Jan 2021 12:07 pm
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astonbuilder
 


Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 7477

England 2012 Discovery 4 3.0 SDV6 XS Auto Santorini BlackDiscovery 4

Here we are another year on from the OP.

House insurance (via Lloyds bank) comes through and it's gone up by 15.2%, no claim, no changes, etc. Bit of my usual annual rant by me to SWMBO.

I can get cheaper by shopping online but have to admit they give the best cover for some expensive jewellery and my watch collection that other companies, even 'specialists' have come no where near to matching. Still Censored me off that I have to ring them to "get the best price possible".

The now 'new normal' "we are ever so sorry but because of covid-19 we can give you a Censored service and cut staff costs but your call is important to us" malarkey that had me holding on for 35 minutes.

Once through they immediately go "oh yes, that's just a generic quote, we can beat that". So why the hell don't they quote that to start with...... Evil or Very Mad

five minutes later and its gone down 22% so is now cheaper than last year, which in turn is cheaper than the year before Shocked I don't think I have ever stayed with one company for a third year in a row....

Then, next day the car insurance drops on the mat and I'm thinking "and here we go again". Pleasantly surprised to see the premium has gone down by 18% Shocked (and I'm already in that '9+' years NCB bracket they use).

So, still Censored at the bank and the games they play but I'd say that isn't too bad a result on the insurance this time round Thumbs Up
  
Post #221701212th Mar 2021 5:46 pm
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 338

United Kingdom 

Just out of interest - have you ever tried us for home insurance?

We do cover for high value specified items too - with an average call wait time to get through to us of just 20 seconds Mr. Green

Thumbs Up

Carlie
 A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here 
 
Post #221787116th Mar 2021 9:52 am
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pjm-84
 


Member Since: 04 Oct 2016
Location: Hampshire
Posts: 1655

Ukraine 

I've been with MoreThan for over 5yrs. Household renewal came in at £178. Up 20% on the previous year. Quick check online shows MoreThan one of the cheapest so I didn't bother renewing and took out a new policy with them for the same cover at £122 with a £25 cash back direct with them. No T&C. Welcome (back) to MoreThan.......
  
Post #221788816th Mar 2021 11:36 am
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pjm-84
 


Member Since: 04 Oct 2016
Location: Hampshire
Posts: 1655

Ukraine 

I obtained a quote for a KTM690 at the weekend. £350 with a £1200 excess for a limited mileage policy. Sadly due to a few years off the bike I've again lost my max NCB Big Cry

I'll have to wait until electric scooters become legal.
  
Post #221788916th Mar 2021 11:41 am
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KevinD3
 


Member Since: 05 Aug 2020
Location: Sutton Coldfield
Posts: 840

England 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Lockdown is good!

Sorry, but all I can think of is the little car stealing scrotes must have been observing lockdown this year.
Had my car insurance renewal through for the D3, last year was £379, this year has gone down (yes DOWN not a typo) to £330!
Did a quick search with the happy mearcats and getting quotes for an average £240!!!


And the 1/2 price pizza deal should easily cover the £240 for the year so my insurance is FREE this year (sort of)
 2008 D3 2.7TD HSE Stornoway grey

My Wife thinks the D3 is a hobby….My D3 thinks the wife is Wink 
 
Post #221814617th Mar 2021 10:53 am
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 10878

Ukraine 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

Mine too has gone down ... and a very surprising amount.

Renewal was £580 including ~ £80 for European breakdown.

Meerkat and similar offered prices around the £300 mark. in previous years, my old lot (which is ex-ICI internal insurance firm) have always been within £30 of comparisons sites and offer many extras for free.

spoke to old lot and whilst they admitted they couldn't get anywhere near that, warned of a couple of issues with comparison site numbers suddenly going up when you progress into the process (they named names but I won't repeat as it's clearly 3rd hand info).

Anyway, just for a laugh I tried Direct Line. Result = £300 !!!

only marginally offset by biting the bullet and getting NSF wheel bearing booked in at garage ... but I'm still better than £100 in pocket. Smile
  
Post #221816617th Mar 2021 11:48 am
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 11613

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

Moving from an eight year old D4 to a brand new XC90 reduced my premium by £650 Shocked Very Happy

Slightly at a tangent, but relevant. Do people accurately look at their contents and the cost of replacement and reflect that in the sum insured or do they just go with a generic 'typical' value offered by the insurer?

I've just redone my household policy. Lloyds offered the best deal for the value of contents, special items and my bikes but they pushed me to be accurate in my contents value.

It was scary totting things up and looking at replacement costs. I got spooked by hearing of someone recently who was underinsured and only got a fraction of the cost to replace things after a fire.

When I added things up, something I've never really done accurately, I realised that I needed a lot more than the standard £75,000 most insurers offer.

Heres an example of how quickly things add up:

4 iMacs under 2 years old: £6800
4 Macbooks incl 2 Pros: £7000
4 iPads incl 2 Pros £2300
4 iPhones £2800
1 PC laptop £500
Ancillary items like printers, iWatches, headphones, cameras, TVs, Bluetooth speakers, hifi, record deck, GoPros, etc etc. £14000

I accept this might be an excessive electronics list, but many will have a lot of similar stuff and probably haven't realised how much they have and what the cost of replacement would be.

Add in clothes, shoes, bedding, curtains, kitchen equipment, books, records, furniture, lamps, art, garage tools etc., sports equipment (adding up our bikes replacement cost came to £22000 Shocked Big Cry ) etc, etc and it quickly adds up.

It really did surprise me what it would cost to start again if the worst happened. I was defiantly underinsured and non of the online sites could provide me with the cover I needed.

Also, sorry APlan, but I had to move from you to get the cover I needed at a sensible price. You did try hard though and provided great service as always. Thumbs Up
 New Volvo XC90 R-Design (known as Basil)

Sold - D4 HSE (Known as Gerty)

No longer the Old Buses original owner Sad
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control 
 
Post #221818317th Mar 2021 12:42 pm
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KevinD3
 


Member Since: 05 Aug 2020
Location: Sutton Coldfield
Posts: 840

England 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Wow, hardware, that’s a good drop! I went ahead and paid, and cost stayed the same, I even added the protected no claims this year as hell, I can afford it Smile
I’ve got 11 years NC and still griping Over loosing another 6 years NC because I moved over to company car at the time, and “apparently” if you haven’t insured a personal car Yourself for 3 years, any previous NC doesn’t count, despite the fact I could prove no accidents on the company car, and my mileage on it was very high.
 2008 D3 2.7TD HSE Stornoway grey

My Wife thinks the D3 is a hobby….My D3 thinks the wife is Wink 
 
Post #221820017th Mar 2021 1:25 pm
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Ivan
 


Member Since: 01 Mar 2011
Location: Caverswall Staffordshire
Posts: 574

United Kingdom 2005 Discovery 3 4.4 V8 SE Auto Zambezi SilverDiscovery 3

Strange, sent a request to A Plan on the 12th March using the link in their signature. Received an email saying they would contact me but no contact.
 2013 RR Vogue SE SDV8
2013 Freelander 2 HSE Luxury SD4 
 
Post #221841118th Mar 2021 10:05 am
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