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Insurance
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G7jtk
 


Member Since: 03 Jun 2014
Location: Prudhoe
Posts: 860

England 2007 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3
Insurance

It's that time of year again.
Just wondering if any of you have any recommendations on who is doing good deals.
  
Post #18546236th Sep 2017 5:53 am
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Russell
 


Member Since: 23 Aug 2007
Location: Kent
Posts: 10564

United Kingdom 

Lloyds bank did an excellent deal for me saved over £800
 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 
 
Post #18546246th Sep 2017 5:55 am
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G7jtk
 


Member Since: 03 Jun 2014
Location: Prudhoe
Posts: 860

England 2007 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Do they do modifications and off road?
  
Post #18546266th Sep 2017 5:57 am
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Russell
 


Member Since: 23 Aug 2007
Location: Kent
Posts: 10564

United Kingdom 

They cover byways and green lanes as these are registered roads but not off road events and pay and play
 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 
 
Post #18546366th Sep 2017 6:44 am
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rockcrawler
 


Member Since: 31 Oct 2012
Location: Ferring
Posts: 2884

United Kingdom 2006 Discovery 3 TDV6 Metropolis LE Auto Bonatti GreyDiscovery 3

Just re-newed mine today £235 fully comp with my wife on it, that was with Adrian Flux
 D3 Metropolis Bonatti Grey-Alpaca Leather-adaptive headlights-fridge-EGR blanking kit-Harmen Karden-Cruise-4x4 info enabled-Tinted Windows-Heated F&R Seats-Rosen rear Entertainment-LED'S everywhere -Smoked Side Repeaters-Rear Aircon-Vredestein Wintrac 4 Extreme-Puddle and Footwell Lamps-Stainless Steel Side Protection Tubes- NEW ASHTRAY ( thanks to dsd1036 )
Club BAS Remote FBH
Club MXS10 Ctek
Club Beanie Grill
Rear D4 Lamps
Geoff Gearbox Flush
BAS Remap 
 
Post #18547046th Sep 2017 10:16 am
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Hairy Dan
 


Member Since: 19 Jan 2011
Location: Co. Durham
Posts: 12319

United Kingdom 2016 Discovery 4 3.0 TDV6 Landmark LE Auto Santorini BlackDiscovery 4

Try site sponsors A Plan 01635 874646 Thumbs Up
 Cheers Ian
--------------------
Club N.E.R.D.S
Kielder 4x4 Safari
Discoless 
 
Post #18547116th Sep 2017 10:37 am
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professorpool
 


Member Since: 19 Mar 2012
Location: Woking
Posts: 3213

Wales 2007 Discovery 3 TDV6 SE Auto Java BlackDiscovery 3

G7jtk wrote:
Do they do modifications and off road?


We need a sticky on this subject! Laughing Laughing

Define "off road". If you mean green laning on legal byeways then that is technically "on road" and your standard insurance should cover this -even in your ford fiesta (if you owned one).

Certain specialist insurers have started including the term "green laning" not because it is special cover but simply to stop the inbound phone calls by people with SUV's checking if they are covered.

On the matter of "off road" driving as in (usually) on pay and play type sites..

This is private land, therefore, you don't "need" any insurance at all. Think about the number of bashed up old RR classics with monster truck wheels you've seen towed to pay and plays without mot's. Clearly few of these are insured for traditional "on the road" risks and if even insured at all will be on "laid up" insurance policies and total loss cover only.

If you "want" traditional road cover type insurance covering, say, a bashed in wing on a pay and play type site then many insurers will include this but note carefully the conditions, for example, my insurer include pay and play ONLY if organised events by clubs and groups.

Note very carefully that any kind of competiton insurance is incredibly expensive and any kind of comeption use will certainly not be covered unless you are paying serious premium. One of my client's has a specialist motor racing division and insure a team that have aston martin's and the insurance (which is total loss only) is £80,000 per year per vehicle.

My insurance company, Performance Direct, have a specialist 4x4 scheme that covers pay and play and additionally unlimited modifications (see below for my list!) and I pay £310 a year which includes legal expenses and full European Breakdown Recovery.

Edit to add:

Remember the term SORN and what it stands for Wink
 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.. 
 
Post #18547126th Sep 2017 10:38 am
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G7jtk
 


Member Since: 03 Jun 2014
Location: Prudhoe
Posts: 860

England 2007 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

I only said off road meaning green lanes and pay and play as the last couple of years they specifically excluded green lanes.
That price beat my renewal price as do the others so far.
£800 saving. That must have been a lot in the first place.
  
Post #18548246th Sep 2017 4:07 pm
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