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FamilyMan
Member Since: 10 Jan 2005
Location: UK
Posts: 119
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Just sorting out the insurance for the new arrival and wondered if anyone had landed a good deal. Rather than just change it over from our last company I thought it was time to try someone new. So far Tesco and Virgin are offering the lowest quotes circa £450. My previous company wanted over £1k. This seems like a very good deal but I'm new to 4x4's and have no source of reference. Any help appreciated. 2005 TDV6 SE Silver/Black Manual + Alpine
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 2nd Feb 2005 10:49 am |
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Ecosse
Member Since: 07 Jan 2005
Location: Grampian, Scotland
Posts: 889
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Depends on your claims history/age/drivers/location etc. Have you tried www.esure.com - they are often very cheap, but watch issues like a protected NCD that can become unprotected! LandRover do insurance themselves - but I discovered that they are just a conduit for Royal Sun Alliance who trade under the More than brand (again on-line for More Than & they have a protected for life NCD + will give you same ncd on a 2nd car). Watch for cover levels - off-raod, towing, expensive hi-fi etc. IN teh end of the day if it seems exceptionally cheap there will be a reason why!
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| 2nd Feb 2005 11:23 am |
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Big Al
Member Since: 20 Jan 2005
Location: Wiltshire UK
Posts: 143
  
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I use LR insurance, which as Ecosse so rightly states is something to do with Sun Alliance, but never had an issue with it. It covers off-road, trailers in addition to normal fully comp cover, but is a little higher.
Unfortunately, since I only have 3, maybe 4 years no-claims discount, I ripped the entire side off a brand new Porsche!! with my tow-bar when reversing and it was debatable who's fault it was, plus for business I have to have Business class 1, and I do 25k miles plus/year then mines a little higher, just £10 over my D2 last year. Currently my insurance is approx £750
Note with LR insurance when I had my D2 chipped they only added £40 to the total year cost, so wise to advise them, as £40 is nothing and you dont want to give them any excuse, if you do have a chip to refuse cover.
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| 2nd Feb 2005 11:39 am |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
 
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I found that my local NFU company came up with the best deal for personal and business use.
http://www.nfumutual.co.uk/
-s
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| 2nd Feb 2005 12:01 pm |
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DiscoMad
Member Since: 11 Jan 2005
Location: Warwickshire, United Kingdom
Posts: 190
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I found a similar wide variation in costs. The cheapest was £450 and the average over £650 for my HSE with clean licence and 9years protected NCD, business class 1.
There was a catch however. Most insurance companies demanded a Tracker to be fitted. Now I dont mind this if they then give a discount, but no such offers.
In the end I went with LR insurance as the overall best package (for me) and not needing a tracker. After all, I can get one fitted after the ist year.
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| 2nd Feb 2005 3:57 pm |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26775
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Mine is just under £700 with Zurich(? - I Think!).Cost me £15 more than on the D2. I have lots of protected NCB, no accidents, no points, with class 1 business use.
I had to have a Tracker fitted though which cost me £750 with lifetime Horizon cover.
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| 2nd Feb 2005 9:48 pm |
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Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
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I'm with esure and it costs £370 with class 1 business use, with no need to have tracker or the like fitted.
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| 3rd Feb 2005 8:42 am |
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simon
Member Since: 11 Jan 2005
Location: Shropshire
Posts: 18296
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Of course with all the 'mine only cost XXX' quotes... your post code will affect the cost considerably.
Mines at 540 inc business, 2 years of new for old replacement, 5 yrs NCD. I came off a company car so had no personal NCD to transfer. Just had the office do a letter to NFU stating I've been a good boy in the company motor.
-s
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| 5th Feb 2005 11:52 am |
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FamilyMan
Member Since: 10 Jan 2005
Location: UK
Posts: 119
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Thanks for all the help and links. In the end I've sorted it out using our usual broker, but all these other quotes made him work harder  . 2005 TDV6 SE Silver/Black Manual + Alpine
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| 10th Feb 2005 8:10 am |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26775
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After all these other quotes, I'm looking again!
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| 10th Feb 2005 8:18 am |
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