Member Since: 23 Sep 2013
Location: London
Posts: 1022
Insurance Hike and Telematic Policies
After 3 years with the same insurance company I must have been elevated to the position of ‘Loyal’ customer as they’ve decided to hike my premium by 24%
A quick compare search shaves a £100 off that price
I also got a quote that was nearly £200 cheaper that involved telematics, I always thought they were for new drivers. Has anybody had any experience of this sort of policy, I’m assuming it would be App based.
Lastly curious as to what people are currently paying for their insurance to see if I’m looking in the right places. I’m over 50, over 30 years no claims, 10k miles per annum, post code ok and it’s a 2015 D4 HSE.
Current renewal £560, best normal quote £455 and the telematic quote is £365.
Are those figures competitive? Thanks.Discovery 4 HSE
SDV6
2015
18th Mar 2018 9:33 am
robpenrose
Member Since: 12 Jan 2016
Location: Surrey / SW London
Posts: 2138
I’ve just renewed mine yesterday. After a bit of haggling with different companies, I got it for £370.
31 years old, 12 years no claims, no points etc, business use and mods covered (roof rack, rock sliders etc, no extra power).
It was £430 last year for same cover.
That’s for Surrey postcode on a 2010 D4 HSE.
Current: D4 HSE
Previous: BMW Z4M Coupe
Previous: Land Rover Defender 90 CSW Td5
Previous: Land Rover Discovery Td5 ES
18th Mar 2018 9:42 am
Admirable
Member Since: 19 Jul 2015
Location: Fife
Posts: 1045
M&S insurance, £248, Fully comp, me + swimbo both over 50, full no claims, 2007 D3 XS.
18th Mar 2018 9:46 am
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
Have you tried Privilige and direct line, also if you have more than one car admiral multi car is good, we were 1600 for disco, golf and 20 year old in an Adam.Joined the BMWX5 45e group
1994 Defender 90
2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold
Convoy for Heroes 2011
18th Mar 2018 9:48 am
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
Re: Insurance Hike and Telematic Policies
Dusty wrote:
After 3 years with the same insurance company I must have been elevated to the position of ‘Loyal’ customer as they’ve decided to hike my premium by 24%
A quick compare search shaves a £100 off that price
I also got a quote that was nearly £200 cheaper that involved telematics, I always thought they were for new drivers. Has anybody had any experience of this sort of policy, I’m assuming it would be App based.
Lastly curious as to what people are currently paying for their insurance to see if I’m looking in the right places. I’m over 50, over 30 years no claims, 10k miles per annum, post code ok and it’s a 2015 D4 HSE.
Current renewal £560, best normal quote £455 and the telematic quote is £365.
Are those figures competitive? Thanks.
I'm with LLoyds Bank, £338 from memory fully comp with protected NCB for me and wife, I am 52, car is D5 first edition. Very pleased with this a significantly cheaper than the D4MY17 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
18th Mar 2018 10:00 am
Someone-Gone
Member Since: 21 Dec 2015
Location: Gone
Posts: 5117
For the D4, I’ve never paid more than £250 for protected full comp, curtesy car, £150 excess, no voluntary.
One year I got it for under £120, but I think that was a one off.
I am with Priviledge now for the cars and the house, you get a multi policy discount and for me they are the cheapest of the lot.
18th Mar 2018 10:07 am
Asa
Member Since: 03 Jul 2016
Location: Essex
Posts: 178
Site sponsor A plan.
£360 fully comp for D3 HSE, Me and my wife.
RAC renewal quoted £600
18th Mar 2018 10:21 am
rrhool
Member Since: 28 Aug 2014
Location: Norfolk
Posts: 4540
£269, fully comp, me & SWMBO, business use, protected NCB. Direct line.Richard
D3 SE 2007. Triumph 2.5Pi 1973. Ferguson TEA20 1948.
Discovery 2 4.0 ES 2001- Gone
Discovery 1 300Tdi ES '95 - Gone
Range Rover Classic '79 - Gone
18th Mar 2018 10:33 am
Farmer Chalk
Member Since: 06 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4197
Confused .com is pretty good....showed me £207 fully comp on a 2008 HSE D3....but valued at £11k...
Mines a G4 with the extras with a reviewed quote with a value of £20k now showing £280 fully comp with a decent insurer....
I’m over 50 with 18 yrs no claims....
AXA invited renewal this year at £350 against £270 last year....
It’s worth challenging them on the phone... they’ve instantly dropped to £305 but still not quite there...i’m In same position ..do you go with the devil you know for £25?
18th Mar 2018 10:34 am
Parky63
Member Since: 10 Apr 2017
Location: Hampshire
Posts: 409
I've just paid £225 with a specialist insurer through site sponsor A-Plan.
Both me and SHMBO over 50 full NCD 6k annual mileage. 2006 HSE
Member Since: 20 Jan 2018
Location: Warwickshire
Posts: 141
Telematics are good for new drivers in that the insurance company hound you by email soon after any transgressions, aggressive driving and braking. If you continue they will start threatening to pull out.
However, because of significant issues and limitations with the GPS they use, it is very easy to be determined as driving in a little waywardly. This is because of the GPS sample rates and signal propagation issues especially if you drive in built up areas of forested areas. The insurers will not accept these technical issues believing they are always 100% right.
They can be more trouble than they are worth, but they do have a place.
I managed to get a non telematics policy for my newly qualified son on a 5yr old KA for £300 less than the closest telematics policy. That came down by another £400+ on renewal.Current : Discovery 4 HSE (2012 spec)
Current : BMW Z4 20i MSport
Current : BWM Z4 3.0SI Sport Auto
Previous : Freelander 2 HSE
18th Mar 2018 12:42 pm
Dusty
Member Since: 23 Sep 2013
Location: London
Posts: 1022
Thanks everybody for the input and some of you do seem to be getting a cracking deal.
Found a site that rates your postcode ours is coming in at halfway between low and middle, so I guess that could be worse than I thought.
I’ll have to spend some time checking individual insurance company’s rather than trying to do it in 5 minutes on the comparison sites.Discovery 4 HSE
SDV6
2015
18th Mar 2018 2:09 pm
Disco_Mikey
Member Since: 29 May 2007
Location: Dundee, Scotland
Posts: 20855
Redline wrote:
Telematics are good for new drivers in that the insurance company hound you by email soon after any transgressions, aggressive driving and braking. If you continue they will start threatening to pull out.
However, because of significant issues and limitations with the GPS they use, it is very easy to be determined as driving in a little waywardly. This is because of the GPS sample rates and signal propagation issues especially if you drive in built up areas of forested areas. The insurers will not accept these technical issues believing they are always 100% right.
They can be more trouble than they are worth, but they do have a place.
I managed to get a non telematics policy for my newly qualified son on a 5yr old KA for £300 less than the closest telematics policy. That came down by another £400+ on renewal.
Agreed. Telematics can be shoved where the sun doesn't shine. I enjoy driving too much to worry about accelerating too fast, cornering too fast or braking too hard...My D3 Build Thread
Member Since: 23 Sep 2013
Location: London
Posts: 1022
Just to bring this to a close. £480 was the best I could do which was with site sponsor A Plan. Got a few slightly cheaper quotes with less comprehensive cover so decided this was my best option overall. Decided against a telematic policy which seemed more hassle than it was worth.
Don’t know how you guys are getting it so cheap, must be living near the smoke or the value or probably a combination of both.Discovery 4 HSE
SDV6
2015
22nd Mar 2018 5:37 pm
Redline
Member Since: 20 Jan 2018
Location: Warwickshire
Posts: 141
4 cars, 3 with the same insurer (all between 200 and 265hp) along with house insurance in a low crime area, no points and no claims. Being older sadly. It all adds up.
Even so, they try it on with every renewal.Current : Discovery 4 HSE (2012 spec)
Current : BMW Z4 20i MSport
Current : BWM Z4 3.0SI Sport Auto
Previous : Freelander 2 HSE
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