Member Since: 13 Dec 2010
Location: West Yorkshire
Posts: 203
Insurance renewal
Hi All
Just had insurance renewal from Adrian Flux for SWMBO's car and wondered what everyone thinks.
Are we being screwed or is it about right.
Car - 2005 Disco 3 TDV6 HSE, Silver, Insurance value of £15600, although real value is between 10k-13k
annual mileage about 5000
Persons insured - Wife is main driver, No Convictions or Claims and 19yrs Protected NCD
I am named driver, No Convictions or Claims (I have company car so no NCD)
£300 Excess
Renewal cost quoted is £612, up about 8.5% from £564 last year
Gonna try the comparison sites to see what I come up with but interested to know what others think and pay for similar circumstances
DobbinMuch missed 2004 D2 G4 Ltd edition
Current 2005 D3 TDV6 HSE
General Grabber AT's
24th Nov 2012 11:54 am
SHARKYSHARKS
Member Since: 20 Dec 2008
Location: Saddleworth Oldham
Posts: 1954
Dobbin i pay £420 and im just over the hill from you !!MY18 D5 HSE LUX😎
MY12 Freelander SD4 HSE
44 Tonne 12 Litre 6x2 Scania T cab (Current)
Freelander 1 (Wrote off 😫)
Ex D1
Ex D2 GS
Ex V8 D2 GS
Ex D3 S
Ex D4 GS
Club skip ya lockers !!!
Club BAS remote heater !!
Club Duratrac
Club Phillips DRL
Club Prospeed Rack Mk 1
Club Prospeed Rack Mk 2
Club Sankey
Club RLD spare wheel protector
£230 from Sheila's Wheels... full NCD. Two drivers.____
Gone: 10MY L320 RR Sport HSE, Ipanema Sand
Gone: 20MY Jaguar iPace HSE, Silicon Silver
Gone: 17MY RR Evoque SE Tech, Loire Blue
Gone: 08MY Discovery 3 XS, Stornoway Grey
Gone: 07MY FFRR TDV8 Vogue, Stornoway Grey
24th Nov 2012 12:42 pm
dangerdave
Member Since: 23 Nov 2010
Location: <>
Posts: 4495
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24th Nov 2012 1:18 pm
DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
I pay less than £400 for a brand new D4 XS with Land Rover Insurance - so yes, i think you are being screwed! 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
24th Nov 2012 2:23 pm
Dobbin
Member Since: 13 Dec 2010
Location: West Yorkshire
Posts: 203
An afternoon on the web has has given a best comparable quote so far of £388
with AXA insurance
Surprisingly at last years renewal I couldn't get any lower than £564!
DobbinMuch missed 2004 D2 G4 Ltd edition
Current 2005 D3 TDV6 HSE
General Grabber AT's
24th Nov 2012 2:56 pm
mjcp
Member Since: 02 Sep 2012
Location: Old Windsor
Posts: 403
We've just moved TO AF (£275) from swift (£400). Lower xs and protected NCD with business use...
Post code must have something to do with it... our SL post code is decidedly average on crime rates nationally, how's west Yorks?
mjcp03/2007 D3 HSE
98 Audi A4 Avant 2.5 TDi Quattro
Gone but not forgotten
03/2003 330Ci Convertible
93 Corrado 2.0l 16V
98 M3 Evo Cab
24th Nov 2012 4:26 pm
raincloud
Member Since: 16 Aug 2011
Location: nottinghamshire
Posts: 140
55 plate tdv6s full NCB for both myself and the wife no points etc fully comprehensive with £100 XS - £305 with Zurich
24th Nov 2012 4:46 pm
Dobbin
Member Since: 13 Dec 2010
Location: West Yorkshire
Posts: 203
Definitely could be postcode related,
Just checked on postcode related insurance costs,
Found that my postcode BD18 is rated E, in a scale of A to F.
A being the best
Apparently due to the high number of claims relating to uninsured drivers.
DobbinMuch missed 2004 D2 G4 Ltd edition
Current 2005 D3 TDV6 HSE
General Grabber AT's
24th Nov 2012 4:55 pm
Ian_mac
Member Since: 30 Oct 2012
Location: Somerset
Posts: 122
I though the general consensus was that insurance premiums were actually coming down a little at the moment?
27th Nov 2012 9:45 pm
Dobbin
Member Since: 13 Dec 2010
Location: West Yorkshire
Posts: 203
I referred the £388 quotation back to Adrian Flux and they agreed to look at it,
I had to e-mail proof of quote to them and they came back with a new quote of
£382.
Fairly happy with a reduction of 230 quid from the original £612
I have to say I usually do the rounds of interweb at renewal time and have never got better
Than about £50 off so there is definitely competition for cheaper quotes out there.
Dobbin
(now how do I hide it from the wife!)Much missed 2004 D2 G4 Ltd edition
Current 2005 D3 TDV6 HSE
General Grabber AT's
28th Nov 2012 6:38 pm
geoff.
Member Since: 24 Jan 2010
Location: West kent
Posts: 8531
fully comp Trade policy this year £1145
shopped about a bit and got it with demonstration cover for £658 very very happy
28th Nov 2012 6:49 pm
MarsKy
Member Since: 23 Dec 2011
Location: Lanarkshire
Posts: 847
Normally with Privilege but renewing, and was quoted £339 fully comp + 12k business miles + protected no claims + £450 excess.
Just tried Direct Line - website is almost identical to Privilege's. Anyway, all of the above for £295 but that also includes legal protection + 21 days car hire cover to a spec similar to the D4.
No brainer for me.
28th Nov 2012 7:41 pm
DiscoEvo6
Member Since: 13 Jan 2010
Location: Notts
Posts: 66
Even if you drive a company car you should be able to get a statement from your employers insurance stating the NCB you are entitled to... Trouble with insurance is they load insurance on worst case, if I add my 23yo to my policy it's as if we are all 23.... If only it was that easy
12th Jan 2013 6:15 pm
crews control
Member Since: 18 Mar 2007
Location: Dorset
Posts: 5011
MarsKy wrote:
Just tried Direct Line - website is almost identical to Privilege's.
Funny thing is... Privilege is owned by Direct Line!
(and Churchill, and Green Flag)
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very very happy 
