Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73079
And by the sounds of it avoid other cars or people as those wouldn't be covered either. Third party risks would far outweigh the risk of damage to my car in my mind.
1st Nov 2013 12:32 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
LRI are fully comp 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
1st Nov 2013 12:46 pm
A-Plan Insurance Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
Afternoon,
I have been back to our underwriters to confirm the point on 3rd party property damage on private land. They have agreed that we can use their standard private car wording rather than the off road.
The wording as follows:
Third Party Property Damage Limit
The most we will pay for property damage for
any one claim, or series of claims arising out
of any one event is £20,000,000. The most we
will pay in costs for any one property damage
claim or series of property damage claims
arising out of any one event is £5,000,000.
Which basically means they will cover you on private land for both your damage and 3rd Party damage.
Every insurance company may have different wording to this, so well worth checking.
Glad I could get this confirmed for you all.
Kind Regards
Steve
1st Nov 2013 3:08 pm
DG Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50978
Thanks for the clarification Steve. As you may have seen from my last PM LRI have reconfirmed to me also that they provide full cover whether on or off road.
It is good to know that A-Plan Insurance are also able to offer this as in previous years site users had considerable trouble finding insurers that provide true off road cover. I will certainly be in touch for a quote at renewal time. 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
1st Nov 2013 3:25 pm
Gareth Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26774
I shall be calling you on Monday to see if you can help me with my Defender insurance.
2nd Nov 2013 6:50 pm
LiftedDisco
Member Since: 10 Jun 2010
Location: Towcester
Posts: 1002
Steve,
Welcome to the forum.... My post of 22nd Oct must be worth a bit of bonus when we come to renewal...
First class everyone...D4 Commercial - 65 Plate, 2016MY
D5 Commercial - Handed back when I left that job…
D4 Commercial (2014MY) - gone
D4 Commercial SDV6 - Baltic Blue (also gone)
D1 300TDi... 2" lift, HD bumpers (both), detachable tow hitch, 9,500lb winch, 235/85/16 muds and plenty of other toys (gone to make way for the next toy...)
Smiles per Mile - Tornado Motorsports caged Evo 3... 100" Defender look-alike, with Range Rover running gear - all fully IVA'd and registered!
2nd Nov 2013 8:23 pm
A-Plan Insurance Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
Thanks again for the positive feedback
Hope we can look after all of you!
Steve
2nd Nov 2013 10:15 pm
Chris1969
Member Since: 21 Jun 2011
Location: North Worcestershire (not far from Redditch)
Posts: 385
Good to talk earlier today Steve..... and thanks for a great quote!
Good timing as my renewal had just come through. Good to know I will be covered to travel to europe without having to pay any extra!!
Cheers,
Chris.
4th Nov 2013 10:51 pm
geoff.
Member Since: 24 Jan 2010
Location: West kent
Posts: 8531
A-Plan Insurance wrote:
Hi,
Yes as a company we look after motor trade too, give me a call and I can take your details and get one of our commercial specialists to give you a quote.
Look forward to hearing from you,
Steve
steve
ive had no call back
and as mine runs out in 4 days i will stick with my current insurers , maybe next time
Hello Steve - could you confirm who the underwriter is for these policies?
Cheers,
Darren
18th Nov 2013 9:02 am
chud
Member Since: 05 Oct 2013
Location: Dorset
Posts: 72
I've insured with A-Plan for 6 years now both domestically and for business and can't fault service from Bournemouth branch.
18th Nov 2013 5:38 pm
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
Just got a quote and changed to A plan for my house insurance, rang and asked for a quote and was given a very competative quote with better cover than I have now. The service and responce was excellent and I am well impressed so far. Will look at the car insurance when it is due next year. 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
18th Nov 2013 8:51 pm
A-Plan Insurance Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
DiskoStew wrote:
Hello Steve - could you confirm who the underwriter is for these policies?
Cheers,
Darren
Hi Darren,
We have a number of different underwriters, depending on the risk profile location age etc.
The main ones we use for 4x4 includes, Axa, Liverpool Victoria, Highway, Service, Markerstudy, Aviva and groupama.
We lean towards service and markerstudy if lots of modifications are involved as these insurers are more flexible and will also replace on a like for like basis.
An you shed any light on whether your underwriters would class a Discovery 3 G4 Vehicle as modified or not as it came from the factory with extras fitted "as standard" such as:
Raised Air Intake, rear ladder, expedition roofrack, 4 x hella LED/Xenon roof lights, LR winch bumper, warn winch, underbody armour, MTR tyres
The reason I ask the question is that most insurers I speak to class these as aftermarket mods, rather than standard fitment.G4OC Secretary
N44RT Callsign NH89
19th Nov 2013 10:43 am
A-Plan Insurance Site Sponsor
Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
Hi, The G4 always raises a few questions!
All vehicles are rated on an "ABI" code. The code gives the insurers the correct vehicle model so they can rate correctly.
The G4 has its own ABI code and the specification is standard. The only time this "Should" need to be referred is if any further modifications have been made to the G4 Spec.
We see and hear about all sorts of problems insuring G4s and the like due to not all insurers understand the model and rate on a standard disco spec and have not used the correct ABI code.
If your policy document states G4 then it should all be insured correctly if no further changes have been made.
Best bet is to speak to a specialist broker, such as us and all will be covered correctly.
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