discojobbo
Member Since: 15 Jan 2009
Location: East Yorkshire
Posts: 5
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| Insurance for a 23 year old? |
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Hi guys. Im thinkin of buying a second hand D3 this year but i really needed to know how much the insurance would likely to be. Iv had no bumps or claims (although i havnt been on my own insurance) and have been driving for four years now (currently 23 years old). I love the discos and our family has a history of owning them from when we lived in Saudi Arabia for 3 years so im desperate for one!!!any help would be great.
cheers 
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 15th Jan 2009 4:14 pm |
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jkp
Member Since: 16 Sep 2005
Location: Living among Bawbags
Posts: 4528
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Best way is to do an online quote via tescos 'compare the market' or via the go compare sites or confused.com
I'd expect that it would be hefty, but you never know until you try 
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| 15th Jan 2009 4:21 pm |
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Bodsy
Site Sponsor
Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
 
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Welcome! Best bet is to ring a few places or try compare.com.
We're all a bit older on here, but those that have seeked to add offspring onto the car have been met with some suprising shocks!!!
FWIW NFU and LR insurance will cover off road use, but NFU like proven drivers in rural areas. It may work for you, or it may not, but keep up updated whichever way you go . Bodsys Brake Bible
D4/D3 Remote FBH heat kits
BAS Remaps/ EGR Blank
Transmission Flush
Software updates/enabling
Clock/ SNOTM /3Flash / 4x4Info /BT Update /Service Reset/Error Codes / Gearbox Reset
See It Here
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| 15th Jan 2009 4:22 pm |
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flinty99
Member Since: 17 Mar 2008
Location: Northumberland
Posts: 2558
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Welcome to the forum
I would think your best bet is to ring around a few insurance companies or test the water with some online quotes. Insurance is a funny thing in that no two quotes are ever the same even if peoples circumatances are similar. Just simple things like your postcode can make huge differences in the quote.
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| 15th Jan 2009 4:24 pm |
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DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
 
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Welcome
I would ring around a few places that specialise in offroad cover (assuming you want to use it off road). All the online quotes dont seem to cover Off-Road use or allow you to declare modifications.
LR
NFU
Adrian Flux
Lancaster
are a few you could try. Duncan
-----------------------------------------------------
If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
FFRR Autobiography 4.4 SDV8 MY17
D4 HSE MY13 SOLD
FFRR 3.6 Vogue TDV8 SOLD
D4 HSE MY10 SOLD
D4 SE TECH MY15 SOLD
D4 XS MY12 SOLD
D4 HSE MY10 SOLD
D3 HSE MY06 - Re-Cycled Worldwide
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| 15th Jan 2009 4:53 pm |
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MacLeod 313
Member Since: 18 Apr 2008
Location: away
Posts: 10723
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I would consider rob the bank mate. The current ways of the insurance companies are hit the young or newly insured. I feel its wrong but we all have to start somewhere.
Maybe it will be a bit more prudent to buy a banger for a year, get a years NCD then try again if you aint successful.
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| 15th Jan 2009 4:57 pm |
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discojobbo
Member Since: 15 Jan 2009
Location: East Yorkshire
Posts: 5
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hi guys.thanks for the quick response.iv just looked on the tesco site and they quoted me around £800
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| 15th Jan 2009 5:00 pm |
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Bodsy
Site Sponsor
Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361
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You know, that's not bad at all. Certainly a lot less than I was expecting Bodsys Brake Bible
D4/D3 Remote FBH heat kits
BAS Remaps/ EGR Blank
Transmission Flush
Software updates/enabling
Clock/ SNOTM /3Flash / 4x4Info /BT Update /Service Reset/Error Codes / Gearbox Reset
See It Here
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| 15th Jan 2009 5:02 pm |
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GLYNNE
Member Since: 06 Oct 2006
Location: KENT
Posts: 4695
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Go for it then, I've had LR's starting with Discovery's since I was 19 and still hooked
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| 15th Jan 2009 5:03 pm |
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MacLeod 313
Member Since: 18 Apr 2008
Location: away
Posts: 10723
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 I am surprised too, not bad at all. Whats the excess £2k
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| 15th Jan 2009 5:03 pm |
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discojobbo
Member Since: 15 Jan 2009
Location: East Yorkshire
Posts: 5
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yep the cheapest on the compare site is actually with tesco which comes in at £813 with a voluntary excess of £200.the most expensive quote on the compare site is devitt at £2197!!!i was expecting the quote to be more but im happy its not through the roof!certainly not out the question!
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| 15th Jan 2009 5:15 pm |
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MacLeod 313
Member Since: 18 Apr 2008
Location: away
Posts: 10723
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makes my £22.80 a month look positively cheap for fully comp 
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| 15th Jan 2009 5:18 pm |
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bubbleheadjack
Member Since: 09 Jan 2009
Location: Plymouth
Posts: 51
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£800 doesn't sound that bad... JUst bought an 08 xs before Christmas.... LR wanted the earth... NFU wouldn't touch me as I'm in the Armed Forces. based on the amount of driving my Wife and I do (she's got 5yrs on you) we upped the voluntary excess and got it under £400.... It's swings and roundabouts .. If we don't make a claim this year we save £250 if we do then we've dipped out.. I wouldn't be too shocked with £800... Bet you could tweek it down £200 ..
Good luck. But don't let the insurance put you off... The car is amazing and and is worth it!!
Regards Nick Frost..
PS My Def 90 is with Adrian Flux V. good D3 is with Churchill of all people... Disco 3 '08.5 XS Rimini Red, Driving Lights. Sadly sold, but still for sale in Ireland 
Defender 110 XS in Oslo blue, awaiting some TLC and a good trip somewhere
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| 15th Jan 2009 5:21 pm |
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DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
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Quote:makes my £22.80 a month look positively cheap for fully comp
dont you have mileage limitation.... isnt it 1000 (one thousand) miles per annum Duncan
-----------------------------------------------------
If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
FFRR Autobiography 4.4 SDV8 MY17
D4 HSE MY13 SOLD
FFRR 3.6 Vogue TDV8 SOLD
D4 HSE MY10 SOLD
D4 SE TECH MY15 SOLD
D4 XS MY12 SOLD
D4 HSE MY10 SOLD
D3 HSE MY06 - Re-Cycled Worldwide
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| 15th Jan 2009 5:29 pm |
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MacLeod 313
Member Since: 18 Apr 2008
Location: away
Posts: 10723
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Got mine on 8k limitation, and that is positively galactic if I get anywhere near that.....................Been driving since 17yrs in 1987 and never claimed nor had an accident
So it does pay to be a snsible driver in the end.
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| 15th Jan 2009 5:32 pm |
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