Member Since: 09 Feb 2014
Location: Truro
Posts: 2407
Insurance quotes seem to be a lottery and whether your details happen to fit.
I was previously insured via A-Plan, but for the last 7 years was with Admiral, each year having to call them to lower their premium, but when my renewal arrived following the switch to the D4 they were taking the proverbial and even after knocking off over £200 they could only match A-Plan so I switched on principle.
I have never been that keen on Admiral, after they reckoned the factory fitted sat nav on my previous Honda wouldn't be covered and they seemed to think I was stupid when I asked if the metallic paint wasn't covered as that was also an extra.Andy
Just spoke with Admiral... £804 perhaps the Aplan price is a good one Mark
Remember its only an obsession....
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Original Beanie Narpy Grill, Black lettering, De-Tango'ed, Side steps, Hids LEDs upgrade, Halo DRL, Smoked side repeaters, D4 Bluetooth upgrade, Flacks magic with the fault mate, Upgraded D4 compressor, ERG's blanked, Tints, D4 rear lights, Short rails & cross bars, LR Ladder. Reversing camera (needs activating!!)
5th Feb 2015 5:51 pm
robbo770
Member Since: 29 Jan 2013
Location: Aberdeenshire
Posts: 2294
I use the original office and work direct with Amber, no problems at all direct access to the underwriters there, all mods declared and photographs even emailed.
Member Since: 14 Dec 2014
Location: Chinnor
Posts: 531
I am sure you are right Martin, but on the Compare site there were about 8 insurers offering prices considerably (ie more than £100) cheaper quotes than the A plan quote.
I find it strange that a broker would not be able to even get close to a bunch of other prices which are freely available to all online.
But there is no logic to it. Even with admiral, it was cheaper to put my wife as a named driver on the Disco than to have me on it alone. Even though she will never drive it. how does that work????
So the moral of the story is as above really, shop around. 2014 D4 HSE Facelift Corris Grey
Previous :
Discovery Sport SE (awful)
56 plate D3 HSE TDV6 Zermatt Silver
Defender 90 200tdi
Last edited by Johnny Oxford on 5th Feb 2015 8:26 pm. Edited 1 time in total
5th Feb 2015 6:06 pm
Martin Site Admin and Owner
Member Since: 06 Nov 2004
Location: Hook Norton
Posts: 18561
No insurer can be the cheapest for everyone, for some reason you won't fit with the profile that A-Plan's underwriters want to insure (I'm not going to start to guess why!).06 D3 SE / 15 LR D90 XS SW / 88 LR 90 Td5 / 68 BMW 2000 ti
Any issues with the site let me know!
5th Feb 2015 6:12 pm
DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
problem with the comparison sites or most peoples comparisons, they don't compare like for like - just the price
cheap price is cheap cover.
ive stuck with LRI even though it is more expensive - cant find another policy that gets even close.Duncan
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5th Feb 2015 6:20 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
Why do so many buy insurance based on cost regardless of the quality
DiscoDunc is spot on with his comments.
5th Feb 2015 8:38 pm
Disco_Mikey
Member Since: 29 May 2007
Location: Dundee, Scotland
Posts: 20841
I left my Trade insurance a bit late for comfort to phone around for quotes. Ran out midday Wednesday, I phoned A-Plan late Monday afternoon. I was told I had called the wrong office, and the nice lady on the phone took my name and number, and said someone would call back.
No-one called back.
My broker ended up panicking as I hadn't renewed and called me on Tuesday, I plucked a nice random figure from thin air, as a "comparison", and they ended up beating their own best quote by over £400 My D3 Build Thread
Member Since: 14 Dec 2014
Location: Chinnor
Posts: 531
I dont think anyone knows the quality of the insurance until they make a claim.
What I do know is that I have achieved exactly the same cover on paper that both RAC and A plan were offering for around £500 - for around £300 with Admiral.2014 D4 HSE Facelift Corris Grey
Previous :
Discovery Sport SE (awful)
56 plate D3 HSE TDV6 Zermatt Silver
Defender 90 200tdi
5th Feb 2015 8:51 pm
robbo770
Member Since: 29 Jan 2013
Location: Aberdeenshire
Posts: 2294
I covered to the hilt for £319 with A-Plan FFRR SC 4.2
Member Since: 24 Jun 2012
Location: Cornwall
Posts: 686
Cheep insurance on the face of it seems just as good.. I just had another look on a comparison site and it ticks all the boxes. Legal cover, key cover an extra £8, windscreen, personal effects, audio equipment, personal acedent, courtesy car & European cover. The cheapest one didn't offer recovery but I'm in the AA so it not an issue for me. I figure they all use the same few underwriters and loss assesors so its who will do it for the smallest margin.
I'm certainly not about to pay more than needed because a broker has a posh office.
I've no idea why but adding my mother as a named driver knocks £££££ off. She never will, she says the discovery's to big but legally she could and so is named just incase.Narpy Grill, tinted windows, Smooth leather wheel (TLO Group buy), ACM fitted (thanks TLO), Rear door loom and Row 2 & 3 audio switch upgrade, RRS 20" wheel change, 285 Cooper LTZ's Sat Nav Mod (until I get a Faultmate upgrade), Front & Rear lamp guards. 4x4 screen now switched on - Woody32, Follow me home reverse lights - woody32, Auto release EPB - Woody32. Off Road Navigation - Woody32. Remap + EGR's switched off. Full chassis clean and Waxoyl.
5th Feb 2015 9:16 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
with landrover insurance simply because they offered offroad cover £466...that's on 63 plate GS..im 66 years with no claims at all..ever
5th Feb 2015 9:22 pm
BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
Simonstarski wrote:
Cheep insurance on the face of it seems just as good..
Yes but on the face of it so do cheap brand tyres and cheap engine oil but would we be happy with them?
Have your modifications been accepted by your new Insurer.
Did you compare the approved repairer network, repair guarantee, admin fees for both temporary and permanent changes.
5th Feb 2015 11:18 pm
Alan B
Member Since: 12 Feb 2013
Location: Fife
Posts: 6528
Nothing to do with A-Plan but on the subject of comparing insurance,
My renewal came through from privilege £315.00 and they say they will automatically renew at the end of the month, NO they won't!
I looked at a comparison site, privilege were coming in at £229.00, not the cheapest that I can pick from.
The automatic renewal will get ripped up obviously, fancy office, people doing all for my hard earned cash etc
Admiral were cheapest at £210.00
All these prices include protected no claims, courtesy car ( I want like for like not a proxy 1.0l corsa, so pay extra for that) legal expenses, but don't bother with the breakdown as I'm in the AA.
So by the end of the month I will be doing a bit phoning around.
Do I want baby Oleg or not? That's the catch now
D3 57 xs Stornaway grey
D2 02 commercial silver gone but a great servant and won't be forgotten
I'm just down the road from Johnny Oxford, A Plan were way out on my renewal last year, phoned the MK number as directed, it was the Aylesbury Branch that returned the call. They did say they would call back to try and be more competitive, still waiting.
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all for my hard earned cash etc 
