Advertise on DISCO3.CO.UK
Forum · Gallery · Wiki · Shop · Sponsors
DISCO3.CO.UK > Finance, Insurance and Warranties

Insurance Question (Resolved)
Post Reply  Down to end
Page 1 of 1
bcleugh
 


Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Santorini BlackDiscovery 4
Insurance Question (Resolved)

Hi All

Just wanted to get your thoughts, I had a bump a couple of months ago, within this years insurance now they have sent me a renewed insurance document saying my insurance has gone up and i need to pay an extra £200. Evil or Very Mad Evil or Very Mad Evil or Very Mad

I expected a rise on my next insurance but not within this 12 months

Is this correct?

Has this happened to anyone else?
 D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark 


Last edited by bcleugh on 10th Aug 2018 5:00 pm. Edited 1 time in total 
Post #19706484th Aug 2018 11:47 am
View user's profile Send private message View poster's gallery Reply with quote
J@mes
 


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

England 2014 Discovery 4 3.0 SDV6 XS Auto Corris GreyDiscovery 4

Never heard of that before! Shocked
 2014 D4 XS
2005 D3 SE - Gone 
 
Post #19706514th Aug 2018 11:54 am
View user's profile Send private message View poster's gallery Reply with quote
bcleugh
 


Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Santorini BlackDiscovery 4

me neither James

Awaiting the knowledge of this group before I give them a ring
 D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark 
 
Post #19706524th Aug 2018 11:56 am
View user's profile Send private message View poster's gallery Reply with quote
J@mes
 


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

England 2014 Discovery 4 3.0 SDV6 XS Auto Corris GreyDiscovery 4

have you read your documentation to see if there is anything about mid term increases after an "incident" ?
 2014 D4 XS
2005 D3 SE - Gone 
 
Post #19706604th Aug 2018 12:15 pm
View user's profile Send private message View poster's gallery Reply with quote
gje
 


Member Since: 09 Mar 2014
Location: world
Posts: 488

Wales 

I would have thought that a breach of contract ( unless its in the small print) if you paid in full for a years cover....at renewall yes I could see that but not mid term?
  
Post #19706614th Aug 2018 12:15 pm
View user's profile Send private message View poster's gallery Reply with quote
BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646

United Kingdom 

Is the extra as a result of a something which came to light following the accident, such as an undisclosed conviction or previous claim?

Have you not had a letter with the bill?
  
Post #19706624th Aug 2018 12:17 pm
View user's profile Send private message View poster's gallery Reply with quote
Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 13041

United Kingdom 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

Or undisclosed modification ?
 .


Dean
====================================

2011 D4 XS - OBD port protection, RLD spare wheel protector, All LED interiors lights, Timed Climate enabled, iiD tool paired.
2011 D4 Landmark - Stolen from same dealer before I paid for it
2011 D4 GS - Stolen whilst at dealer Sad ... All LED interiors lights, DRLs, Spare Wheel protector.
1996 300Tdi - Eaten by tin worms 
 
Post #19706634th Aug 2018 12:20 pm
View user's profile Send private message View poster's gallery Reply with quote
Dillon
 


Member Since: 05 Jan 2018
Location: Brighton
Posts: 103

United Kingdom 2005 Discovery 3 TDV6 SE Auto Cairns BlueDiscovery 3

Is it a compulsary excess for the claim?
  
Post #19706704th Aug 2018 12:47 pm
View user's profile Send private message View poster's gallery Reply with quote
bcleugh
 


Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Santorini BlackDiscovery 4

thanks for the tips checking them now, letter does not make much sense the only difference is the addition of the claim. i paid all my excess to the garage when i picked it up
 D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark 
 
Post #19706744th Aug 2018 1:34 pm
View user's profile Send private message View poster's gallery Reply with quote
BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646

United Kingdom 

Did this accident occur after you had received the lower renewal quote but before the actual renewal date?
  
Post #19707354th Aug 2018 6:03 pm
View user's profile Send private message View poster's gallery Reply with quote
A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 352

United Kingdom 

bcleugh if you are with us I can take a look for you, just pm me your name and postcode so I can pull up your policy details. If not then best speak to your insurers to see if they can look into it for you Smile
 Howden | Specialist Vehicle Insurance
Call us on 01635 874646 for a quotation 
 
Post #19711186th Aug 2018 8:11 am
View user's profile Send private message View poster's gallery Reply with quote
bcleugh
 


Member Since: 02 Mar 2013
Location: Newcastle
Posts: 144

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Santorini BlackDiscovery 4

Thanks all for the responses, APlan not with you maybe next year!

OK so mystery resolved, it was all down to a SP60 from last year which was discovered following my bump, I found this out following a call with the insurance company, but the plot thickens and may split opinion.
As was unhappy with this Im sure anyone would be, I asked why it had not been added when they quoted at renewal i was told it was my fault for not informing them, I said i was sure i had so they went off to listen to the recorded calls (3 in total), got a call back today to say I had not told them on the calls that I had a SP60 so the charge would stand Evil or Very Mad
Now I am sure i would not of lied Whistle so I asked if they had specifically asked me at renewal if i had acquired any speeding fines to which the answer was no Idea,
If i have answered all the questions they asked truthfully and they had quoted me on these answers then why should i be charged an increase?

Anyway long story short the charge was wavered, so it was worth having the call and not just accepting the charge which they were going to direct debit from my account but that's a different story
 D1 200TDI 3 Door (Most expensive Land Rover ever as it got me hooked)
D1 300TDI 5 door
D2 TD5
D3 100,000+ Club
D4 XS
D4 Landmark 
 
Post #197274710th Aug 2018 4:59 pm
View user's profile Send private message View poster's gallery Reply with quote
BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646

United Kingdom 

Well they failed to ask and you are certain you wouldn't have lied so...........

were you not aware you have to disclose such things Whistle
  
Post #197275110th Aug 2018 5:08 pm
View user's profile Send private message View poster's gallery Reply with quote
J@mes
 


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

England 2014 Discovery 4 3.0 SDV6 XS Auto Corris GreyDiscovery 4

did they ask you if any material facts had changed from your last renewal?

Well at least we know they do look in to things in our past Shocked
 2014 D4 XS
2005 D3 SE - Gone 
 
Post #197275910th Aug 2018 5:25 pm
View user's profile Send private message View poster's gallery Post Reply
Display posts from the last:  
Post Reply Back to top
Page 1 of 1
Jump to:  
Previous Topic | Next Topic >


Posting Rules
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum



DISCO3.CO.UK Copyright © 2004-2024 Futuranet Ltd & Martin Lewis
DISCO3.CO.UK RSS Feed - All Forums

DISCO3.CO.UK is independent and not affiliated to Land Rover.
Switch to Mobile Site