Member Since: 12 Feb 2021
Location: London
Posts: 141
Car Insurance?
Out of curiosity, how much are people paying for insuring a discovery 4?
Mine just been quoted £1000 - 2015 - 45k miles. 20 year clean driving license comprehensive. About £200 more than last year?Discovery 4
Oct 2015, 2016 build
SDV6 Santorini Black SE
New engine at 42k
Car camper
25th Jan 2024 10:49 pm
HairyFool
Member Since: 04 Jan 2023
Location: North Essex
Posts: 704
We only do a low mileage, most miles will be towing so went for the black box monitoring system from Hastings direct Only 2 years NCD as it is a second car.
The standard insurance was £823, the price with monitoring was £510. I don't drive differently because of it but I am concious of the D4 being 2.5 tonne so drive accordingly. The monitoring rates me at 95-100%, well within their requirements.
Only get marked down for braking but I can't do anything about idiots cutting me up.
The trouble with comparing insurance costs is peoples risks vary so much. I live in a small cul-de-sac in a village with no reported crimes most months(I get the police reports). Private drive with bolted gates and camera coverage all reduce the risk compared to on street parking in a city suburb.
Huge variation of risk.A visitor from the dark side, my other vehicle is an is still an EV. Strictly speaking its SWMBO.
26th Jan 2024 12:04 am
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14481
Have a search. There have been a few threads running on this recently.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 Jan 2024 9:38 am
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2608
One of the reasons for keeping my Volvo...£340 to insure for business use / living in a city.
Looked at the D4 V8 5.0L import last night and wondered what the insurance would be and how long before someone stole it........but lovely
26th Jan 2024 9:41 am
Mike_Pax
Member Since: 11 Oct 2022
Location: North Yorks
Posts: 39
D4 HSE....£380 fully comp including business use and the mrs on it too. Just another benefit of living in rural North Yorkshire , that and the beautiful scenery and lovely folks
26th Jan 2024 10:49 am
MrTed
Member Since: 06 Jan 2023
Location: Rickmansworth
Posts: 197
D4 HSE Rickmansworth, Hertfordshire (Insurance area 'C') £1100 fully comp (+missus) social & domestic + legal costs & courtesy car. 800 years no claims.Discovery 4 HSE late 2015 Euro6
Jaguar XF Portfolio (PX'd for above)
Mitsubishi Galant V6 (PX'd for above)
Instagram: @mrtedgfx
26th Jan 2024 10:58 am
ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15272
Mike_Pax wrote:
D4 HSE....£380 fully comp including business use and the mrs on it too. Just another benefit of living in rural North Yorkshire , that and the beautiful scenery and lovely folks
…… and yet when I moved back to North Yorkshire from Scotland, the A Plan insurance company decided to charge me an extra £75 for the 8 months remaining on my £387 policy.
26th Jan 2024 11:01 am
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2608
A specialist broker - they used to be ICI's internal insurance people and I qualify as an ICI pensioner - contacted me last week to see if they can, again, be competitive. Until 3 years back, they beat all the Meerkat quotes in terms of basic price AND free extras.
So I sent off my info, including that last year's premium was £292, and got this reply this morning -
Quote:
Good Morning Dean ,
I have run through an estimated quotation for the landrover.
We would be around £1600.
Kind regards
26th Jan 2024 11:19 am
gareth71
Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 601
'09-plate D3 TDV6, 6k miles/yr, max NCD, SD&P plus class 1 business use, £245 excess (inc. £100 voluntary), near Chester - with Churchill, £286 for a year. (Considerably less than half of what A-Plan wanted to charge me for renewing an identical policy!)
26th Jan 2024 2:50 pm
MrTed
Member Since: 06 Jan 2023
Location: Rickmansworth
Posts: 197
Am I literally paying more than anyone else in the country (Churchill)? Discovery 4 HSE late 2015 Euro6
Jaguar XF Portfolio (PX'd for above)
Mitsubishi Galant V6 (PX'd for above)
Instagram: @mrtedgfx
26th Jan 2024 3:04 pm
Davethegeo
Member Since: 01 Oct 2015
Location: Edinburgh
Posts: 919
Just renewed 63 plate D4. SDP and commuting. Myself and wife as named drivers. Full NCD. £630 with Direct Line.D1 300Tdi - gone
D2 Td5 ES (Alive remapped...mmm) - sadly gone
D4 2012 SDV6 XS - Stolen
D4 2014 SDV6 HSE - Shiny
26th Jan 2024 4:31 pm
AdamB
Member Since: 18 Jan 2023
Location: Thurrock
Posts: 148
I paid about £600 for mine last October. The meerkat says there is one offer around that now but the rest are £1000+. My car is in the now £700odd tax bracket, it's very nice but I'm not sure I can wear a £1000+ insurance bill and the tax come October. If it stays reliable I might be able to justify it
26th Jan 2024 9:16 pm
Brian Considine
Member Since: 05 Dec 2022
Location: Nr Margate
Posts: 280
HairyFool wrote:
Only get marked down for braking
I used to driver HGV's for a well kniown supermaket. The trucks carried a lot of telematics (& of cource a standard Tachograph) - 2 x lots of driver monitoring & CCTV. I never had an issue with this except that you were flagged "harsh braking" every time an idiot on a "device" walked out in front of you (you could not spot every potential idiot, no matter how good your hazard perception). This always resulted in an interview with a driver trainer (a qualified person who spends 99% of their time driving a desk) - pity that the telematics did not flag up on the CCTV which would save a lot of time.
As far as private cars go I don't see the point - if you brake hard it's your brakes & tyres - surly what counts is claims rather than driving style ?
29th Jan 2024 11:42 am
gareth71
Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 601
Brian, this sounds very much like the Lightfoot system that Tesco put into their DotCom vans when I drove for them for a while during lockdown. Used to have to drive like a granny to get anything like a decent score - was downright dangerous when needing to accelerate to join fast-flowing traffic on the A55 or M53 (a frequent occurrence). And as you say, a prompt and appropriate reaction to a sudden hazard resulted in being penalised - it seems they'd prefer you to not brake, and simply plough straight into the pedestrian while applying very gentle control inputs! Suffice to say, I spent my last week there having a bit of fun and seeing just how low I could get my score...
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