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Insurance for a 23 year old?
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discojobbo
 


Member Since: 15 Jan 2009
Location: East Yorkshire
Posts: 5

United Kingdom 
Insurance for a 23 year old?

Hi guys. Im thinkin of buying a second hand D3 this year but i really needed to know how much the insurance would likely to be. Iv had no bumps or claims (although i havnt been on my own insurance) and have been driving for four years now (currently 23 years old). I love the discos and our family has a history of owning them from when we lived in Saudi Arabia for 3 years so im desperate for one!!!any help would be great.

cheers Very Happy
  
Post #40278015th Jan 2009 4:14 pm
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jkp
 


Member Since: 16 Sep 2005
Location: Living among Bawbags
Posts: 4528

Scotland 

Best way is to do an online quote via tescos 'compare the market' or via the go compare sites or confused.com

I'd expect that it would be hefty, but you never know until you try Thumbs Up
  
Post #40278415th Jan 2009 4:21 pm
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Bodsy
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Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361

United Kingdom 2007 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

Welcome! Best bet is to ring a few places or try compare.com.
We're all a bit older on here, but those that have seeked to add offspring onto the car have been met with some suprising shocks!!!

FWIW NFU and LR insurance will cover off road use, but NFU like proven drivers in rural areas. It may work for you, or it may not, but keep up updated whichever way you go Thumbs Up .
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Post #40278615th Jan 2009 4:22 pm
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flinty99
 


Member Since: 17 Mar 2008
Location: Northumberland
Posts: 2558

England 

Welcome to the forum Thumbs Up

I would think your best bet is to ring around a few insurance companies or test the water with some online quotes. Insurance is a funny thing in that no two quotes are ever the same even if peoples circumatances are similar. Just simple things like your postcode can make huge differences in the quote.
  
Post #40278815th Jan 2009 4:24 pm
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DiscoDunc
 


Member Since: 08 May 2006
Location: Bristol
Posts: 16390

England 2010 Discovery 4 3.0 SDV6 HSE Auto Aintree GreenDiscovery 4

Welcome Thumbs Up

I would ring around a few places that specialise in offroad cover (assuming you want to use it off road). All the online quotes dont seem to cover Off-Road use or allow you to declare modifications.

LR
NFU
Adrian Flux
Lancaster

are a few you could try.
 Duncan
-----------------------------------------------------
If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
FFRR Autobiography 4.4 SDV8 MY17
D4 HSE MY13 SOLD
FFRR 3.6 Vogue TDV8 SOLD
D4 HSE MY10 SOLD
D4 SE TECH MY15 SOLD
D4 XS MY12 SOLD
D4 HSE MY10 SOLD
D3 HSE MY06 - Re-Cycled Worldwide 
 
Post #40281515th Jan 2009 4:53 pm
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MacLeod 313
 


Member Since: 18 Apr 2008
Location: away
Posts: 10723

Scotland 2006 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

I would consider rob the bank mate. The current ways of the insurance companies are hit the young or newly insured. I feel its wrong but we all have to start somewhere.

Maybe it will be a bit more prudent to buy a banger for a year, get a years NCD then try again if you aint successful.
  
Post #40282115th Jan 2009 4:57 pm
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discojobbo
 


Member Since: 15 Jan 2009
Location: East Yorkshire
Posts: 5

United Kingdom 

hi guys.thanks for the quick response.iv just looked on the tesco site and they quoted me around £800
  
Post #40282615th Jan 2009 5:00 pm
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Bodsy
Site Sponsor 


Member Since: 06 Nov 2006
Location: In the Clubhouse
Posts: 21361

United Kingdom 2007 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

You know, that's not bad at all. Certainly a lot less than I was expecting Thumbs Up
 Bodsys Brake Bible

D4/D3 Remote FBH heat kits
BAS Remaps/ EGR Blank
Transmission Flush
Software updates/enabling


Clock/ SNOTM /3Flash / 4x4Info /BT Update /Service Reset/Error Codes / Gearbox Reset
See It Here 
 
Post #40282815th Jan 2009 5:02 pm
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GLYNNE
 


Member Since: 06 Oct 2006
Location: KENT
Posts: 4639

England 

Go for it then, I've had LR's starting with Discovery's since I was 19 and still hooked Thumbs Up
  
Post #40282915th Jan 2009 5:03 pm
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MacLeod 313
 


Member Since: 18 Apr 2008
Location: away
Posts: 10723

Scotland 2006 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

Shocked I am surprised too, not bad at all. Whats the excess £2k
  
Post #40283115th Jan 2009 5:03 pm
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discojobbo
 


Member Since: 15 Jan 2009
Location: East Yorkshire
Posts: 5

United Kingdom 

yep the cheapest on the compare site is actually with tesco which comes in at £813 with a voluntary excess of £200.the most expensive quote on the compare site is devitt at £2197!!!i was expecting the quote to be more but im happy its not through the roof!certainly not out the question!
  
Post #40284115th Jan 2009 5:15 pm
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MacLeod 313
 


Member Since: 18 Apr 2008
Location: away
Posts: 10723

Scotland 2006 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

Shocked makes my £22.80 a month look positively cheap for fully comp Whistle
  
Post #40284315th Jan 2009 5:18 pm
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bubbleheadjack
 


Member Since: 09 Jan 2009
Location: Plymouth
Posts: 51

United Kingdom 2008 Discovery 3 TDV6 XS Auto Rimini RedDiscovery 3

£800 doesn't sound that bad... JUst bought an 08 xs before Christmas.... LR wanted the earth... NFU wouldn't touch me as I'm in the Armed Forces. based on the amount of driving my Wife and I do (she's got 5yrs on you) we upped the voluntary excess and got it under £400.... It's swings and roundabouts .. If we don't make a claim this year we save £250 if we do then we've dipped out.. I wouldn't be too shocked with £800... Bet you could tweek it down £200 ..

Good luck. But don't let the insurance put you off... The car is amazing and and is worth it!!

Regards Nick Frost..

PS My Def 90 is with Adrian Flux V. good D3 is with Churchill of all people...
 Disco 3 '08.5 XS Rimini Red, Driving Lights. Sadly sold, but still for sale in Ireland Wink

Defender 110 XS in Oslo blue, awaiting some TLC and a good trip somewhere 
 
Post #40284815th Jan 2009 5:21 pm
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DiscoDunc
 


Member Since: 08 May 2006
Location: Bristol
Posts: 16390

England 2010 Discovery 4 3.0 SDV6 HSE Auto Aintree GreenDiscovery 4

Quote:
makes my £22.80 a month look positively cheap for fully comp


dont you have mileage limitation.... isnt it 1000 (one thousand) miles per annum Wink
 Duncan
-----------------------------------------------------
If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
FFRR Autobiography 4.4 SDV8 MY17
D4 HSE MY13 SOLD
FFRR 3.6 Vogue TDV8 SOLD
D4 HSE MY10 SOLD
D4 SE TECH MY15 SOLD
D4 XS MY12 SOLD
D4 HSE MY10 SOLD
D3 HSE MY06 - Re-Cycled Worldwide 
 
Post #40285915th Jan 2009 5:29 pm
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MacLeod 313
 


Member Since: 18 Apr 2008
Location: away
Posts: 10723

Scotland 2006 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

Got mine on 8k limitation, and that is positively galactic if I get anywhere near that.....................Been driving since 17yrs in 1987 and never claimed nor had an accident

So it does pay to be a snsible driver in the end.
  
Post #40286515th Jan 2009 5:32 pm
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