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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352
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Hi Mr Scott
I've just found your quotation so I'll take a look into the details and pm you  Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation
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 10th May 2018 8:42 am |
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lespes
Member Since: 17 Sep 2009
Location: Sitting Down
Posts: 2232
  
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Have you tried asking for business cover, I'm sure you must move a box or two around 
Probably find higher miles not such an issue and in my case was cheaper than standard domestic and social. D4 Landmark MY16 Santorini Black THE LAST
D4 HSE MY12 Marmais Teal: Gone. Missed a lot!
Freelander 2 SD HSE MY11 Silver:Thankfully gone.
D4 HSE MY11 Silver: Gone missed !
Range Rover Sport MY06 HSE Buck Blue: Gone missed!
Discovery D2 TD5 Facelift MY Red Gone Missed!
Discovery D2 TD5 Cobalt Blue: Gone Missed!
Discovery D1 Auto Oxford Blue Not missed at all!
Discovery D1 Avalon Blue First LR! missed!
Now demoted to a VW
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| 10th May 2018 8:45 am |
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professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
  
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Scott #55 wrote:I do a bit of green laning and very occasional proper stuff (once or twice a year).
You don't need insurance for either. Green laning is just the public highway and the same laws apply. For "off roading" on play sites, you do not legally need insurance at all, nor an MOT or a licence - legally speaking as it is private land.
If you want insurance for true "off road" use then that is a slightly different matter. D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven
Jeeps, Lexus, X-trails... Too many to name..
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| 10th May 2018 10:26 am |
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Scott #55
Member Since: 15 Apr 2015
Location: UK
Posts: 1683
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Adrian Flux have just given me a sub-£600 price, but doesn't cover proper off-roading.
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| 10th May 2018 5:19 pm |
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professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
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Performance Direct, whom I am insured with (and consult to) cover accident damage at off road events where they are run by an approved club and are non competitive.
The also cover unlimited modifications.
I am 49 and my renewal was £390, up from just under £300 because I had a total loss claim.
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| 10th May 2018 5:38 pm |
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ianm27
Member Since: 02 Jun 2016
Location: Hertfordshire
Posts: 2154
 
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Got my insurance renewal quote - increased by over £300 when nothing has changed other than I'm a year older (not any wiser) and eligible to apply for Saga insurance!!
Researched on internet and Direct Live and LV= coming up significantly cheaper
Normal D4, no off road, 15,000 miles a year.
Anyone had any experience, good or bad, with LV= or Direct Line? Uncle Ray's spare wheel protector
Limo Tint
Blackvue front & rear dashcam
Cruise control switch pack
Bodsy's remote for FBH
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| 28th May 2018 2:37 pm |
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Scott #55
Member Since: 15 Apr 2015
Location: UK
Posts: 1683
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ianm27 - it's worth your while going through the price comparison websites.
The quote for my wife's Evoque came through today - I've saved around £200 (30%) by going through the comparison websites.
If you're not doing any off-roading etc., you should be able to get cover quite easily. The issue I have had is getting cover for the few days that I do go off-road. This year, that would have added £400 to the premium, so not worth it.
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| 28th May 2018 3:06 pm |
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blackdog1
Member Since: 11 Dec 2015
Location: Staffordshire, but can be anywhere in Europe.
Posts: 296
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I was with SAGA a few years ago I looked on line as to what the price would be when renewal time came along, a good price so when the renewal came, suprise, suprise it was over 100 pounds more than on line.I phoned SAGA and was informed that the price given online was for new business I asked how long did I have to be away from SAGA before I could return and be classed as new business, 3 months I was informed. Renewed with LV intending to go back to SAGA the next year, LV was cheaper for the next renewal, the next year SAGA was cheaper so I move between these two. The main reason is SAGA give cover for 12 months in Eu countries and LV cover for 180 days.
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| 28th May 2018 3:09 pm |
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professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
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ianm27 wrote:Got my insurance renewal quote - increased by over £300 when nothing has changed other than I'm a year older (not any wiser) and eligible to apply for Saga insurance!!
Researched on internet and Direct Live and LV= coming up significantly cheaper
Normal D4, no off road, 15,000 miles a year.
Anyone had any experience, good or bad, with LV= or Direct Line?
LV have a good reputation as car insurers, further, they were my final insurer for the last three/four years and dealt with my total loss fire claim pretty decently including a fair first time offer D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven
Jeeps, Lexus, X-trails... Too many to name..
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| 28th May 2018 3:23 pm |
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Washwipe
Member Since: 19 Apr 2013
Location: Bucks Oxon Herts Border
Posts: 3169
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ianm27 wrote:Got my insurance renewal quote - increased by over £300 when nothing has changed other than I'm a year older (not any wiser) and eligible to apply for Saga insurance!!
Researched on internet and Direct Live and LV= coming up significantly cheaper
Normal D4, no off road, 15,000 miles a year.
Anyone had any experience, good or bad, with LV= or Direct Line?
In to my second year with Direct Line, went up this year by £40 but part of that was the increase in insurance tax, never had to claim so cannot tell how they perform.
They have just brought in the no fault claim in March which is worth considering.
https://www.directline.com/car-cover/hit-while-parked
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| 28th May 2018 7:28 pm |
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ianm27
Member Since: 02 Jun 2016
Location: Hertfordshire
Posts: 2154
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Thanks for the comments.
LV is coming out as the cheapest for me but will need to inform them of window tint modification - although I can't imagine this will significantly increase the premium. Uncle Ray's spare wheel protector
Limo Tint
Blackvue front & rear dashcam
Cruise control switch pack
Bodsy's remote for FBH
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| 29th May 2018 4:52 pm |
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galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
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landrover experience TREC days require insurance as do many charity off road events...pity LR insurance wont give cover on something that has their badge on it..
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| 29th May 2018 4:59 pm |
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Maxxed_Ross
Member Since: 13 Mar 2018
Location: Bathgate
Posts: 310
 
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Just renewed with Admiral again
Cheapest I could get anywhere else was Zenith at £478.16 (£600 total excess, 8k miles a year with commuting, on the driveway at night, no mods, 12 years NCB, No accidents or convictions)
Same cover from Admiral came down to £324.55 from an initial quote of £340.48 
Pays to shop around and challenge the renewal
The hilarious thing is that my totally nutty 400bhp Subaru that has all mods declared (and there are just a few of them  ) is only £164 a year now
The mind boggles  2013 Discovery 4 HSE Lux | 2001 Defender 90 TD5 | 2007 Prodrive RB320
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| 11th Jun 2018 7:52 pm |
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professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
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professorpool wrote:Performance Direct, whom I am insured with (and consult to) cover accident damage at off road events where they are run by an approved club and are non competitive.
The also cover unlimited modifications.
I am 49 and my renewal was £390, up from just under £300 because I had a total loss claim.
Update
Just re-insured this with Performance Direct at £315 in SWMBO's name on a second car policy. All the modifications are covered and approved including a re-map, non-competitive "off road" events organised by clubs are covered. 10,000 miles a year, £250 excess Comp.
Also included is full European Breakdown Recovery..
The actual price is £350 but I get a discount as I am a contractor to them.
It always pays to shop around. D3 07 SE - still going strong
D3 07 HSE - gone to car heaven
FL1 - gone to Romania
D3 05 HSE - gone to a divorce diet
D1 V8 manual - gone but not forgotten
RR Classic - gone to car heaven
Jeeps, Lexus, X-trails... Too many to name..
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| 12th Jun 2018 7:44 am |
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