RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1727
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Just had my renewal through from LV 
Just over a £50 increase in annual premium, windscreen excess increase from £140 to £190 and a  MASSIVE increase in compulsory excess meaning a £900 total excess
ring them up and they graciously drop the renewal by £40 the arrogant robbing bar stewards
I can get a slightly higher level of cover elsewhere, with only a total £300 excess, £115 windscreen for £100 less than I paid last year, over £150 less than LV renewal 2011 D4 XS 305 MY12 - gone but not forgotten
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 20th Feb 2020 10:07 am |
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Someone-Gone
Member Since: 21 Dec 2015
Location: Gone
Posts: 5117
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I always do a site comparison check,
Money supermarket, compare the market, go compare and confused. Then add Aiva and a couple of other ones not on those site. After which I go via the TopCashBack site and get further money for shopping via them.
I recall getting a D4 fully comp with protected no claims and £100 excess for £90 in 2014. That’s the cheapest I managed.
Think I am £300 for the D5.
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| 20th Feb 2020 10:16 am |
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Alex08
Member Since: 09 Nov 2006
Location: Glasgow
Posts: 1600
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Having tried various permutations for quotes I came to the conclusion that there wsa no significant advantage in having a voluntary excess. At best it seemed to make about £10 difference. So I always set the voluntary excess to zero - hardly any more expensive and makes a big difference to me if I do have to make a claim.
Recent renewal quote from Churchill for my shogun - £650. Meercat delivered LV identical cover, £350. I never negotiate with insurance renewals. Their time to give me their best offer is when they send the renewal notice. If they aren't giving me their best deal then they lose my business. This time it was extreme though. Even the Churchill phone person didn't offer to try to match it!
Last edited by Alex08 on 20th Feb 2020 10:36 am. Edited 1 time in total
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| 20th Feb 2020 10:35 am |
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RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1727
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wish mine was that low 
meerkat has come back with £471 with Admiral
and that's with max NCD and clean license and being nearly 52 2011 D4 XS 305 MY12 - gone but not forgotten
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| 20th Feb 2020 10:36 am |
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Alex08
Member Since: 09 Nov 2006
Location: Glasgow
Posts: 1600
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9yrs, no points and more than 52.
includes motor legal protection and protected NCD. Don't need a hire car as I have too many
They don't reward loyalty in the insurance market so I feel no obligation.....
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| 20th Feb 2020 10:37 am |
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RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1727
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^^
agreed 
ive now renewed elsewhere -
Admiral on meerkat £481...but...Admiral on Gocompare £371 for exactly the same cover 2011 D4 XS 305 MY12 - gone but not forgotten
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| 20th Feb 2020 11:42 am |
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pwheeldon
Member Since: 14 Jan 2020
Location: West Yorks
Posts: 1491
  
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Just an aside to this, but the best time to get a quote is about 3 weeks before renewal. My sons price went from about £500 to £750 because he left it till the last minute to renew. He just set it to renew 10 days later as he didnt need the car for a couple of weeks, that got it back down to about £600. Discovery 4 GS 2009 Auto Stornoway Grey
Discovery 3 s 2005 Auto Bonatti Grey Gone
Discovery 3 SE 2005 Manual Zambezi Silver Gone
Range Rover Sport HSE 2006 Black
Aston Martin DB7 VV
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| 20th Feb 2020 11:48 am |
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RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1727
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my policy with LV runs out 9th March so is 20 days.
I work with someone who is complete OCD over bills and pretty much everything else and she says the same, 21 days before renewal is the best time to get a new quote.
by law insurance companies now have to give you 21 days notice of the renewal quote, along with what last years price was 2011 D4 XS 305 MY12 - gone but not forgotten
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| 20th Feb 2020 12:00 pm |
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SantaCruz
Member Since: 22 Jan 2012
Location: Salisbury, Wiltshire
Posts: 564
 
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insurance seems to have generally gone up this year - I'm paying £470 odd for my Disco and Fiesta ST... (think the Disco was around £260 ish) - all with Direct Line Si
2016 Disco 4 SE Tech
2019 Fiesta ST3
2021 GBS Zero
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| 20th Feb 2020 12:02 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14353
 
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2012 MY13 D4 HSE
£878 with £250 excess 
53, Full NCD. Best price was Adrian Flux by about £500. A-Plan, who insure our house, other properties, businesses and all other cars was £1400.
Apparently a LR fixed tow bar is an accessory 
I understand the light mod, expedition rack, ladder and dual battery, but not the tow bar. New Defender L663 110 SE (known as Noddy!)
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner 
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
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| 20th Feb 2020 12:28 pm |
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RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1727
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at one point stickers were classed as an accessory.. 2011 D4 XS 305 MY12 - gone but not forgotten
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| 20th Feb 2020 12:37 pm |
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Red Merle
Member Since: 30 Aug 2014
Location: Liskeard
Posts: 7441
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For the last 3 years the NFU have blown everyone else into the weeds, in terms of price and quality of cover
It only works if you’ve got what the NFU consider to be a rural postcode and they won’t have anything to do with price comparison websites. They don’t charge for changes, include RAC cover, legal protection, trailer cover, cover for up to 2,000 shotgun cartridges and the same in rounds of ammunition (!!), will cover you if you need to leave the windows ajar for the dog (most won’t), assume you’ll be taking it off road (naturally!), give two years new for old cover on new cars AND they were still at least 20% less than the best price that I could get from Compare the Meerkat 2011 - 2015: 3 x FL2
2015 - 2017: 2 x D4
2017 to date: FFRR SDV8
2023 to date: 2 x FL2 as “second” cars 🙄
2021 to date: Hinckley built ‘14 Triumph Trophy 1200
2022 to date: Hinckley built ‘14 Triumph Trophy 1200 & sidecar!
(One of only two known to exist in the world!)
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| 20th Feb 2020 1:14 pm |
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RogB
Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1727
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Im in the process of moving to a semi rural postcode (a cottage in a collection of converted farm buildings so all residential now) so will have a look at NFU next year. Cant use the postcode this renewal as im not guaranteed to get the cottage yet 2011 D4 XS 305 MY12 - gone but not forgotten
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| 20th Feb 2020 2:05 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14353
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I never think of NFU. Daft really because my postcode qualifies. New Defender L663 110 SE (known as Noddy!)
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
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| 20th Feb 2020 3:10 pm |
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Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
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RogB wrote:at one point stickers were classed as an accessory..
Stickers still are a cosmetic modification. DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S
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| 20th Feb 2020 3:15 pm |
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