A-Plan includes "Total Loss Plus" which is worth £40, and increases the payout by 25% over the insurance valuation in the event of a total loss. A Plan also include keycover
NFU covers trailer (not caravan) upto £1000, NFU also offers new for old on cars up to 2 years old, but mine is now over 2 so not included. NCD protection is included with NFU
Co-OP is basic insurance, but when it comes to Euro travel, Uninsured losses etc. it is comparable.
Ok, I will have to shop around again in 12 months probably, but its a hell of a difference!
What would you do?
3rd Jun 2015 4:05 pm
Sloss
Member Since: 18 Aug 2013
Location: Aberdeenish
Posts: 1691
If you have a history of claims then go for the more expensive one - if you haven't ever/seldom claimed then the Co-opy will do. Just my twopence worthStew,
2010 D4 gone but I really loved it
Went back to Merc - C350 AMG
3rd Jun 2015 4:11 pm
Fitzy73
Member Since: 09 Feb 2014
Location: Truro
Posts: 2407
It is tricky as the temptation is to go with the cheapest option, but could prove a mistake if a claim is needed. However, given it is the Co-op I think I would be willing to trust them.
Personally I wouldn't bother with the NFU, but simply because they wouldn't cover me as I don't live in a rural enough location! I thought Cornwall would be rural enough for them!
A-Plan I have been happy with and they currently insure mine and two houses and have always been great, even during a claim on one of the buildings insurance policies (shame AXA the actual insurer were totally useless though).
Anyway, a long winded way of saying Co-op!Andy
3rd Jun 2015 4:16 pm
Red Merle
Member Since: 30 Aug 2014
Location: Liskeard
Posts: 7441
I know that this doesn't help much now, but I passed my IAM motorcycle test last year and now get access to the IAM only insurers for both my bike and car.
50 year old male, Cornwall, £27,000 FL2 HSE Lux, 13/63 Reg. Full NCD, 10,000 miles private & 20,000 class 1 business use per annum, £250 Excess.
£265 per annum!
Well worth considering passing the test for the insurance policies alone! 2011 - 2015: 3 x FL2
2015 - 2017: 2 x D4
2017 to date: FFRR SDV8
2023 to date: 2 x FL2 as “second” cars 🙄
2021 to date: Hinckley built ‘14 Triumph Trophy 1200
2022 to date: Hinckley built ‘14 Triumph Trophy 1200 & sidecar!
(One of only two known to exist in the world!)
Last edited by Red Merle on 3rd Jun 2015 4:27 pm. Edited 2 times in total
3rd Jun 2015 4:24 pm
pjb
Member Since: 05 Jun 2007
Location: Sunny Oxon
Posts: 308
I would personally go NFU have had nothing but excellent service from them for the past three years including numerous claims - they do our personal & commercial insurances and we have 60 vehicles insured with them so I do know about claims - sadlyPreviously those that have a special place in my heart
BV55YZD G4 RRS
BP52GJE G4 110
3rd Jun 2015 4:26 pm
Fitzy73
Member Since: 09 Feb 2014
Location: Truro
Posts: 2407
I have been an IAM member for 16 years, but as they were rubbish when I first passed I had never bothered to try them again, looks like I should.Andy
3rd Jun 2015 4:31 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73080
NFU as been with them for 5 years or so, they are happy with a list of mod's as long as your arm and are not the cheapest but not too bad. And as can be seen from my location I don't exactly live in the sticks.
Oh, and that isn't my house in the location map. Unfortunately.
3rd Jun 2015 4:44 pm
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
Have you tried LR insurance, I pay around the £560 mark cannot confirm as not at home but certainly under £600, gives off road cover, LR parts and LR curtosey car, also others on here have had claims with them (Disco Dunc) and had fantastic service.MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club
3rd Jun 2015 5:03 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
we do LR insurance because it was a good price...AND it covers off road use...we started with admiral and got silly cheap price,,then wanted to do a trec off road day and they wouldn't even give us day cover..
3rd Jun 2015 8:17 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
Try LRI Gareth ...I pay less than Aplan and NFU but with a slightly higher excess ...not bad for darn sarf 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
3rd Jun 2015 8:26 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
I have been with LRI in the past, but because I always shop around, they became uncompetitive at renewal.
Seems to be the norm these days - Have an introductory deal, gain a few new policies (which will auto renew in a years time) then hike the price at renewal and rely on the hiked up renewals for people that don't look around to make the profit.
Personally, I'd be happy with A-plan or NFU. Looking at those, I'd say, if you deduct the Total Loss Plus, the main difference is the protected NCD with NFU (something I'd always go for) but presumably this can be added to the A-plan one so both are much on a par?
I'm with NFU now, was with A-plan previously. Current: Discovery 3 06MY (55 reg) HSE Auto Zambezi Silver Allisport Fast Road Intercooler, V8 Brakes, Silicone IC Hoses, EGRs Blanked, Remapped, De-Cat pipe, FBHIC
Freelander 2 2007 HSE Manual Tambora Flame
Previous: FL2 56 reg SE Manual Black (written off )
Disco 3 06 reg B7S Manual Rimini Red
Disco 2 TD5 Y reg ES Manual Blue - Chipped
Several Discovery 300 TDis
4th Jun 2015 8:06 am
RandomKamikaze
Member Since: 10 Dec 2014
Location: Berkshire
Posts: 448
I wouldn't give any of my money to Co-Op.
Used Adrian Flux this year who were excellent. Have you got a price from them?
To allow you to compare:
Comp cover
8 years NCD
All mods declared
Off-Road cover included
£0 vol excess £300 comp excess
Additional Breakdown Cover
1 None Fault accident
Legal Expenses
Protected NCD
Parked on drive
I'm 29 years old
~£400
They also didn't charge me an admin fee when I changed the plate on the car which I was very happy aboutDisco gone
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
Allisport Fast Road Intercooler, V8 Brakes, Silicone IC Hoses, EGRs Blanked, Remapped, De-Cat pipe, FBHIC
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