Member Since: 25 Aug 2023
Location: Barnard Castle
Posts: 39
D4 renewal
Our D4 was acquired last Summer and wife's policy amended accordingly. The annual renewal is now approaching and Zenith has politely declined to offer a renewal.
So, Go.Compare ... wife gets a quote of about £465/yr based on Social use only for up to 3kmiles with 9 yrs NCB with Hastings; Excess ~£395 (£100 voluntary). Policy would be in her name with myself as a named driver. No convictions.
Just run it through Go.Compare today as me with her as named driver, but ZERO NCB since my NCB is already used on another vehicle and the quote is £446; excess £295 (£100 voluntary).
Go figure?2014 Discovery 4 HSE
2013 Insignia Sports Tourer BiTurbo 4x4 SRi
2004 S2000
Honda FourTrax TRX300
- Paul
25th Mar 2024 2:53 pm
gstuart
Member Since: 21 Oct 2016
Location: kent
Posts: 14135
Skagg wrote:
gstuart wrote:
Also went with Hastings and funny enough found it cheaper and on confused than supermarket compare
Came out around £500 with full home recovery , key cover , protected NCB
Knew it wasn’t the fault of A plan as they said so many of there brokers dropped out from insuring land rovers as there quote came in at just over £1200
Also had a lot of the things in ur pic
Ref renewals I always cancelled them via my bank app to prevent any auto renewals coming out by mistake
Good to see u got a good quote , wonder what next year will bring , hopefully a lot better with JLR updating all landies back to 2016 and not taring all of them with the same brush so to speak
Have i missed something here Gary? JLR updating Landies from 2016 on. What's the craic? Mines in for a service in a month or two, should i be pushing for an update of some description?
Cheers n Gone Nick
Hiya
Big apologises in missing this , indeed I would push for the update , maybe print out some insurance quotes where they’ve either refused or very high quotes in order to push them to do the update seeinf it’s in for a service
Plse let us know how u get on , see there also investigating in sea ports , also still concerned about the key being able to be sent via the post from just a vin number , wondering it it’s worth covering them as an extra precaution
At the end of the day I dread to think what the cost of new keys will be as I would assume after the software update the BCM will have to be removed to add further keys
25th Mar 2024 3:30 pm
gstuart
Member Since: 21 Oct 2016
Location: kent
Posts: 14135
Daughter today bought a Velar Jan 2023 Model and that too has had an update security wise. The sales director stated that If an owner now looses a key Its over £500 for the new key and programming plus the BCM has to be replaced at a cost of £1500, so £2K to replace a key.
Insurance is still an issue, her current Evoque cost just over £500 annually, with 6 months to renewal an extra £700 had to be paid for the Velar and a new policy is £2K but hopefully by renewal time the action JLR has taken will have fed through and premiums will drop. (Age 31, full NCB and in a good postcode)
She just loves the car so not deterred by the recent issues or the fact JLR may not be around too long if a turnaround doesn't come soon.
25th Mar 2024 3:37 pm
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2592
Lol.....I don't love a car enough to pay £2k insurance...... indeed when I bought my motorbike recently I bought the older model as the insurance was £200 vs £500
25th Mar 2024 4:01 pm
dantheman
Member Since: 12 Mar 2010
Location: Essex
Posts: 1738
Dont even look at learner drivers.
Our eldest is coming up for 17 so swmbo asked how much to add him onto her car with a provisional licence. Her policy runs out in May and they wanted £290 till then. They also offered her another service which can be renewed every 45 days for £360. Bargain
Might be cheaper for her to cancel her policy and take out another with someone else that will add him. Dreading him passing his test and the cost. Today is the oldest you've been and the youngest you'll ever be again.
25th Mar 2024 11:18 pm
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14409
Good luck. I read somewhere that the average cost of insurance for a newly qualified driver is about £3000!D4 HSE EU6 (Known as Jeeves)
New Defender L663 110 SE (known as Noddy!) Sold
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
26th Mar 2024 12:10 am
pitcaig
Member Since: 14 Mar 2008
Location: Falkirk
Posts: 156
dantheman wrote:
Dont even look at learner drivers.
Our eldest is coming up for 17 so swmbo asked how much to add him onto her car with a provisional licence. Her policy runs out in May and they wanted £290 till then. They also offered her another service which can be renewed every 45 days for £360. Bargain
Might be cheaper for her to cancel her policy and take out another with someone else that will add him. Dreading him passing his test and the cost.
Look into taking out a learners policy in his own name with you and your wife named on it and he will start earning NCB right away. I did this with my second daughter a couple of years ago think it was about £350 on a VW Up and it made a big difference having 1 years NCB at 18 years old.
26th Mar 2024 12:23 am
JordsDisco
Member Since: 22 May 2020
Location: Newcastle
Posts: 1616
I renewed SWMBOs car insurance last night. She was with Tesco at £200 last year. They wanted £370 this year. A phone call reduced it to £300, but we went with Sheila’s Wheels - part of the Esure Group, via Topcashback - so we get £42 from them and the premium was lower £250, with a total excess of just £50.
It’s just a PITA checking comparison sites.
26th Mar 2024 6:53 am
StuRox
Member Since: 16 Mar 2007
Location: Wherever the beaten track takes us
Posts: 637
pitcaig wrote:
dantheman wrote:
Dont even look at learner drivers.
Our eldest is coming up for 17 so swmbo asked how much to add him onto her car with a provisional licence. Her policy runs out in May and they wanted £290 till then. They also offered her another service which can be renewed every 45 days for £360. Bargain
Might be cheaper for her to cancel her policy and take out another with someone else that will add him. Dreading him passing his test and the cost.
Look into taking out a learners policy in his own name with you and your wife named on it and he will start earning NCB right away. I did this with my second daughter a couple of years ago think it was about £350 on a VW Up and it made a big difference having 1 years NCB at 18 years old.
I was just about to say that, as just put our son through the test and got a learner policy from Adrian Flux which was in his name and cost just over £200 for the year. Although he only needed it for 4 months before he passed However now trying to get him insured is another story.....well done son, you passed your test ..now you cannot drive at all till you are 25 years plus
26th Mar 2024 7:43 am
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2592
Friends have just gone through this with their 17yr old (birthday end of Feb).... new lease BMW 1 Series and 3k+ a year on insurance, limited miles and a black box.
Being a lease car, I can only see it being in the Dad's name. The 17yr old is at College
26th Mar 2024 3:43 pm
Dave T
Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6910
we found admiral and a multicar policy was best for just passed the test at a young age. Was a few years ago now, but worth trying, maybe swap another car onto it as wellJoined 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
26th Mar 2024 4:13 pm
dantheman
Member Since: 12 Mar 2010
Location: Essex
Posts: 1738
Thanks for the advice chaps. We'll look at a learners policy.
Didn't realise you could have 2 insurance policies on the same vehicle. I wanted to borrow a mates vehicle and couldn't get it insured so I gave up
Every day is a school day Today is the oldest you've been and the youngest you'll ever be again.
26th Mar 2024 4:39 pm
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2592
You cant double insure....you insure for loss but you shouldn't profit from it.
26th Mar 2024 5:18 pm
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14409
My daughter's 2009 D3 was £1800 to insure her at 17 fully comp and was just an extension of her learner policy (£1350 uplift). She's now 19 and it's £4000 Her VW UP! Beats was £450 for the year as a learner.
23 yo daughter, paediatric nurse, has a 2018 Discovery Sport. £1100 when she got it two half years ago now £2400.
My 2007 Renault Master camper conversion was £686 last year, renewed today at £437.
My Defender was £1300 when I got it in Oct 22, now £2600.
SWMBO's T-Cross has remained £280 for the past four years and didn't change when she upgraded it for a new higher spec one.
Insurance makes no sense All I know is it's now costing me nearly £10k and nothing has changed in any way whatsoever. 🤷♂️D4 HSE EU6 (Known as Jeeves)
New Defender L663 110 SE (known as Noddy!) Sold
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
26th Mar 2024 11:13 pm
PJ D4
Member Since: 06 Apr 2022
Location: Northants
Posts: 43
My 2015 HSE Luxury was £569 with LV last year. Their new quote has gone up to £794.
Went onto Moneysupermarket and found another 5 star policy with Aviva for £504
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