Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
just to clarify we were trying to get cover that included offroad and green laning..one quote come in at 650 quid the other A plan 540 quid but had to get tracker fitted...if we don't get offroad etc its a simple 275 quid for fully comp on comparsion sites...this offroad cover appear a rip off
26th Jul 2016 8:17 pm
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
A plan quoted 545 as apposed to LR at 600 when I asked about glass roof cover was told this would not be covered as part of glass but would require a full insurance claim with excess being paid as well. Also told that would not get ire car if my car was written off. Asked if they could do like for like quote with LR policy and their reply was sorry we are not competitive with like for like against LR. Sticking with LR again.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
26th Jul 2016 9:24 pm
Martin Site Admin and Owner
Member Since: 06 Nov 2004
Location: Hook Norton
Posts: 18573
As ever, insurance is not a "one size fits all" matter - certain insurers/underwriters take on different risk profiles and that's reflected in the price they might offer you.
If that wasn't the case there would be no point having comparison sites and so on as all insurers would quote the same 06 D3 SE / 15 LR D90 XS SW / 88 LR 90 Td5 / 68 BMW 2000 ti
Any issues with the site let me know!
26th Jul 2016 9:31 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
I hear wat you say martin....what I cant understand is that 79 companies on a comparison website can give fully comp no tracker from anything between 275 and 1029 quids ...but our sponsor A plan has one company that want 540 quid plus a tracker makes no sence///////////and that will only cover events...so if you want to go freestyle your stuffed....we only do charity offroad or LRE and even LRE cant understand why LR cant cover their own franchise...its crazy
we are currently with flux...been there about 2 months...they want 650...that's another 393 quid...if we pull out we get 185 back after they take out the nasty fees...its lookin like we will go just for fully comp from the normal..and the offroad boys can stick it.....following my compliant to LRCS I know there are supposed to be chat between LR insurance..LR and A llianz..about offroad cover but I aint holding my bref.its a pity the weight of this forum cant purge a deal with someone to offer one off day tickets for offroad cover that we could all take up as required...hey buts that's toooo common sence innit........makes you wonder if the tracker is to check where you've offroad rather the theft scenario
27th Jul 2016 12:45 am
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
Strange I got it in writing a few months ago from LR Insurance that I am covered for off road including LR expirience.
As Martin has said seems to be down to the individual.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
27th Jul 2016 2:12 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
Russell......have a look at your certificate of insurance.....ref 4x4 events.....nothing to do with personalities its company policy of alliance...the underwriter............I had it in writing too,,,from a junior....then told later not valid...look at the cert
27th Jul 2016 7:33 pm
Russell
Member Since: 23 Aug 2007
Location: Kent
Posts: 10564
I have checked and all good in writtingMY17 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
28th Jul 2016 7:52 am
Ali1971
Member Since: 13 Jun 2016
Location: Dalgety Bay
Posts: 817
Hmm, granted I only bought a 2012 model D4 HSE, however I swapped my insurance over from the Citroen Picasso after selling it and cost remained from what I can see unchanged ?? Renewal is March next year so prepping myself, as expecting costs to be higher. However just realized we have multi car discount and being middle aged has its advantages haha.
28th Jul 2016 8:17 am
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
hi Russell
well we would love to have a piece of paper like you have as we were keen to stick with LRI
however ive phoned them again today...the nearest cover they will offer is driving over fields for the likes of farmers or landowners who tend their land...defo no experience ,free style off roading ,green laning or organised events...............we have decided to stay with flux for another year purely because we had nearly 400 quids worth of credit from last policy.hoping we don't have as much agro with our new disco from Monday as weve had get it covered...ps suspect the farmer cover would be business use anyhow
29th Jul 2016 8:19 pm
Oxford-boy
Member Since: 07 Sep 2015
Location: Oxford
Posts: 1122
Just had an online quote with Direct Line for my MY2016 D4 HSE Lux. Myself and SWMBO, 20K per year plus full business use for me and confirmation that the panoramic glass roof would be covered as standard. Always take the legal cover and protect NC. Just over £500. Went with that...
27th Oct 2016 3:05 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23866
Did you get a quote from NFU?
I was really surprised by how cheap their cover was for the D4.2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
27th Oct 2016 3:09 pm
VVS210
Member Since: 05 Aug 2015
Location: Hampshire
Posts: 509
Got my renewal from A-Plan this week & decided to see if what I'd heard about NFU was correct so spent an hour & twenty minutes in the phone to them to end up getting a quote that was 50% higher than A-Plan. Have renewed through A-Plan for a second year.D4 - Stornoway Grey
D2 V8 - Zambesi Silver (rust free JDM import 😎)
FL2 - Sd4 HSE
110 Td5 DCPU - Bonatti Grey - sold
FL2 Td4 - Zambesi Silver - sold
D2 Td5 - Epsom Green - sold
F1 Td4 - Giverney Green - sold
90 300 Tdi - White – sold BIG mistake should have kept it!
F1 Td4 - written off by a taxi!
D1 300 Tdi - written off by a Fiesta...
D1 200 Tdi - sold
90 Turbo Diesel - sold
Ser 2a SWB - sold and glad I 'got rid'
Ser 2 SWB - sold but wish I still had it!
27th Oct 2016 9:18 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23866
My experience was pretty much the exact opposite.
I use A Plan for my home insurance, but they were c.50% more than A Plan for the D4. In fact A Plan were about the most expensive quote I got.
Age, type of use, ncb, postcode, job etc etc. are all significant factors. 2006 D3 HSE (Original & still the best)-GONE
2010 D4 HSE (A bit bling)-GONE
2014 D4 HSE (Almost too bling)-GONE
2015 D4 HSE (A heated what?)-GONE
2016 D4 Landmark (Written Off)-GONE
2016 D4 Landmark (Surely the last!) PD1881 rims-GONE
2017 FFRR SDV8 Autobiography (now semi-retired)
27th Oct 2016 9:34 pm
Davethegeo
Member Since: 01 Oct 2015
Location: Edinburgh
Posts: 919
+1 for NFU.
A-plan were not good for me.D1 300Tdi - gone
D2 Td5 ES (Alive remapped...mmm) - sadly gone
D4 2012 SDV6 XS - Stolen
D4 2014 SDV6 HSE - Shiny
27th Oct 2016 10:00 pm
professorpool
Member Since: 19 Mar 2012
Location: Woking
Posts: 3213
Martin wrote:
As ever, insurance is not a "one size fits all" matter - certain insurers/underwriters take on different risk profiles and that's reflected in the price they might offer you.
If that wasn't the case there would be no point having comparison sites and so on as all insurers would quote the same
Motor insurance is a volatile competitive market. Rates change hourly in certain markets.
If a "red shiny thing"is valued at about £200. Pretty much, wherever you look, it will be about £200. Give or take a couple of quid. If you manage to get it for £180 - then you've had a steal and praise the lord.
Don't expect the same luck every year.
A few people have mentioned mid term adjustments. The annualised rates for the vehicle you are going from and the vehicle you are going to may or may not have changed since you effected the policy. Regardless of either, the broker can and will (usually) charge you a fee of up to £50 for the labour of making the change.
A bit like a mechanic might really. Best to think of it like that.
BTW, changes in the insurance act particularly related to retail insurance come in to effect in feb 2017 related to the publishing of annualised premiums and particularly how they change following mid term adjustments, claims, etc..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
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