So it's that time of year, I've had my D3 for almost 12 months now so it's insurance quote time
When I originally insured the D3 it was a standard vehicle, okay not standard for an S spec but as everything extra was factory or dealer fit and every insurer I spoke too at the time said they considered all the mods as standard as it was a new vehicle
During the course of the past year I've made a modification or two, as some of you may have noticed the result of which it's proving harder get a decent quote. The original extras are still being treated as standard but the new ones push my D3 firmly into the category of modified!
My current insurer (Liverpool Victoria) give me a high level of cover and don't care about modifications as long as they're not performance enhancing. They're giving me a decent quote and I tempted to stay with them but for two reasons; 1. I may get the ECU remapped at some point this year and 2. I have doubts about the level off-road cover - although they do cover me I'm not sure how good it will be should I need to claim, something I will clarify if I decide to stay with them
I've tried all the 'standard' insurers for quotes and although some are coming in slightly cheaper I know the cover won't include off-road use
I'm still waiting for a few quotes back but from those that do cover off-road (proper off-road, not just green lanes) some won't cover my D3 at all and others are coming back with some extortionate figures
So the question is... does anyone know of an insurer that will cover a modified D3 and include full (non competitive) off-road cover for a decent price?
Try the NFU through a broker - call Iain Randall on 01491 838877 (from http://www.countrymutual.co.uk/ Wallingford office). Tell him you were referred by Matt West. I've been using him for five years now on my commercial vehicles (all NFU policies) and will be insuring my new D3 with them too.Matt
Member Since: 20 Feb 2006
Location: Here
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Try MCE they are fine with everything always at a price mine was 400ish had to swap quick as first alternative thought I would take the D3 swimming when I told them about the snorkel and promptly canx my cover
Member Since: 06 May 2005
Location: Y...... because I can
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Try Norwich Union chap, I will pm my broker details to you.In the Beginning there was nothing, which exploded.
19th Apr 2006 8:16 pm
Ken
Member Since: 20 Feb 2006
Location: Here
Posts: 10865
Si you have a pm
Ken
Their ad is in this months LROI page 149
19th Apr 2006 8:18 pm
Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
Adrian Flux have always been big in modified carsDS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S
19th Apr 2006 9:09 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
What are you roughly paying at the mo Si ? (if you don't mind me asking)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
My 109" is insured with Adrian Flux, not overly impressed with them but I'll give them a call for the D3, maybe I'll be pleasantly surprised!The End
19th Apr 2006 9:27 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
That doesn't sound a bad price to me - as you've said before though check the details of cover as the exclusion clauses seem to get longer each year.
I've stuck with LR insurance for 4th year running - marginally more expensive I than some I know but they've always come through in terms of service when I've had the misfortune to claim.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
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the result of which it's proving harder get a decent quote. The original extras are still being treated as standard but the new ones push my D3 firmly into the category of modified!
