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Insurance Dilema
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GlosBoy
 


Member Since: 16 Oct 2009
Location: Chandlers Ford
Posts: 2444

United Kingdom 2016 Discovery 4 3.0 TDV6 HSE Auto Aintree GreenDiscovery 4
Insurance Dilema

Despite posting on previous threads that I was happy with Aviva insurance on the Disco they have just come back with a renewal quote that is way too high.

Bottom line - with SWMBO as main, me and 2 kids as named driver they have come back wtih a renewal price of £578

If I take the kids off it goes down to £458

Looking on Go Compare or similar I get £265 for just me and SWMBO with Adrmiral - this seems very low.

Tesco for instance is £385 for just SWMBO and me. S Censored t with a stripe version is lower but dont like this option

The Admiral one looks better than my Aviva in that its an Excess of £200 ( Aviva is £500) and includes a replacement car, Aviva doesnt.

Anyone had any dealings with Admiral ?

Thanks in advance
 D4 HSE - Aintree Green
D4 Orkney my13 - gone
Stornaway D4. Gone, Didn't like it at all
D3 silver manual. Loved my first LR


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Post #91164919th Mar 2012 1:00 pm
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Discotres
 


Member Since: 25 Jan 2010
Location: London
Posts: 8491

Scotland 2009 Discovery 3 TDV6 GS Manual Stornoway GreyDiscovery 3

Try the Co-Op they are kid friendly Wink
  
Post #91165219th Mar 2012 1:05 pm
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LT
 


Member Since: 31 Dec 2005
Location: South West
Posts: 23866

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

Try LV, very good to deal with (I've made 2 non fault claims) and good price. Premiums haven't increased for me over the last 3 years.

All inc. with business use and wife to drive, courtesy car etc. £360.
  
Post #91165419th Mar 2012 1:12 pm
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GlosBoy
 


Member Since: 16 Oct 2009
Location: Chandlers Ford
Posts: 2444

United Kingdom 2016 Discovery 4 3.0 TDV6 HSE Auto Aintree GreenDiscovery 4

Thumbs Up

Will try both.

I am keen to keep them on as it benefits me at times (drunk) but at £300 premium I can get a lot of cabs and still be quids in
 D4 HSE - Aintree Green
D4 Orkney my13 - gone
Stornaway D4. Gone, Didn't like it at all
D3 silver manual. Loved my first LR


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Post #91166419th Mar 2012 1:24 pm
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rasu52
 


Member Since: 11 Feb 2010
Location: Dead Man's Gultch
Posts: 100

England 

I have, today signed up with Admiral on a multi-car policy, same price as yours for Disco, although they state courtesy car if your car is a write off they will not supply a courtesy car unless you take out an additional insurance, cost me £16.60, and that will give you 21 days of courtesy car, did not think that was to bad an addition to take on.

Other than that seems OK for my needs, mine includes business use aswell, NFU was £675, so a big saving, also my son, 17, just passed test saved him a staggering £1565 for his first years insurance so he is well pleased with that and the other 2 cars on the policy l have saved 50%.
  
Post #91182119th Mar 2012 6:23 pm
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B16 KJR
 


Member Since: 10 Jul 2006
Location: Rosyth, Fife
Posts: 3005

Scotland 

Quote:
Anyone had any dealings with Admiral ?


I have used them for the last couple of years, never had a claim though and to be honest thats the only way of telling if a company is any good. Rolling Eyes
  
Post #91208920th Mar 2012 12:27 pm
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seddie
 


Member Since: 23 Mar 2010
Location: Aberdeenshire
Posts: 415

Scotland 

Just paid £300 to AA for Myself and SWMBO, this price includes an insurance to cover me for the cost of the excesses in case of an accident. The insurance company is AXA and the excess is £400 mandatory, hence the insurance.
  
Post #91210720th Mar 2012 1:43 pm
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ZacSmith
 


Member Since: 26 Aug 2010
Location: Dover
Posts: 709

United Kingdom 

I can confirm that the Admiral claims process is OK! x3

They try and rape you on renewal every year but get bartered down easily.
 VIN: A175A328***  
Post #91213220th Mar 2012 2:30 pm
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GlosBoy
 


Member Since: 16 Oct 2009
Location: Chandlers Ford
Posts: 2444

United Kingdom 2016 Discovery 4 3.0 TDV6 HSE Auto Aintree GreenDiscovery 4

Thanks for input on Admiral and others. Got a few days to sort but good to hear others opinions.

Thumbs Up
 D4 HSE - Aintree Green
D4 Orkney my13 - gone
Stornaway D4. Gone, Didn't like it at all
D3 silver manual. Loved my first LR


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Post #91215020th Mar 2012 3:06 pm
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J@mes
 


Member Since: 10 Nov 2008
Location: Bomber County
Posts: 4547

England 2014 Discovery 4 3.0 SDV6 XS Auto Corris GreyDiscovery 4

I've been with both Elephant and Admiral (same company) and have no complaints about either, but haven't had to claim. Had policies with standard and modified, 4x4 and hotch-hatch/super saloon and their prices were always very good. Thumbs Up
 2014 D4 XS
2005 D3 SE - Gone 
 
Post #91218420th Mar 2012 4:21 pm
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grahamk
 


Member Since: 28 Feb 2010
Location: Dumgoyne
Posts: 1473

Scotland 2005 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

I just left them. Never had any problems claiming to be honest. I had 2x claims and both got sorted out. One took a year to sort though and got dealt with through a third party company as It was a foreign truck that wiped me out. The renewal this year was a total rip so ended up leaving them.
  
Post #91224620th Mar 2012 6:55 pm
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grizzlymac
 


Member Since: 01 May 2010
Location: Blair Atholl
Posts: 67

Scotland 2015 Discovery 4 3.0 SDV6 HSE Auto Montalcino RedDiscovery 4

Be wary of elephant unless they've altered their policy documents if you tow a trailer. I do on many occasions but always borrowed from different farmer friend. When I took the policy, I did it over the phone and asked specifically if I was covered to tow a trailer. Yes they said. Documents came and yes trailer cover. Much later {best part of a year} I came across a wee bit at the back {well away from the trailer info} saying I was only covered to tow a trailer if I owned it. !!![/b]
  
Post #9278163rd May 2012 6:33 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

Do any of you guys use your cars offroad. I didn't think these companies offered offroad insurance, which includes "green lanes"
 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 #9278773rd May 2012 8:06 pm
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ronp
 


Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15272

Scotland 2014 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4
Re: Insurance Dilema

GlosBoy wrote:
Anyone had any dealings with Admiral


Just moved to Admiral from Land Rover after being quoted around £1000 [for business use].
Did the 'money supermarket' search and finally settled with Admiral at £380
But I had to pay up front, whereby LR was monthly instalments.
Admiral had a surcharge of approx £160 if I wanted to pay monthly, but for £380 that wasn't a big issue.

They'll also push to get your other car on their policy and offer you an upfront discount - even if your other car doesn't need insuring for another year.
If you don't take it out then, you just pay back the £30 discount they gave you.

All in all, seems a decent policy Thumbs Up

BTW, found it difficult getting insurance as most other companies didn't want to know because of fitted sump protection plate. Shocked
 ...... always on the road less travelled 🚧

< ‘tis but a mere scratch …….. it’ll polish out. 
 
Post #9279894th May 2012 8:16 am
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CGA
 


Member Since: 03 May 2010
Location: Preferably horrizontal
Posts: 284

England 2005 Discovery 3 TDV6 S Manual Java BlackDiscovery 3

Just renewed and went with Aviva for £280 (protected NCD and total excess of £150) as they seemed the best all round cover.
It's a pity that no insurance company will spend half as much effort in retaining your business as attracting it in the first place.
 CGA  
Post #9280074th May 2012 8:37 am
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