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DISCO3.CO.UK > Finance, Insurance and Warranties

Renewal premium.
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Member Since: 10 Dec 2005
Location: West Berkshire.
Posts: 717

United Kingdom 2012 Discovery 4 TDV6 HSE Auto Nara BronzeDiscovery 4
Renewal premium.

My dual car insurance renewal notice has just arrived. D4 and Mini Cooper S. Premium is up 29% on both cars. Absolutely no change from last year. Seems just a little excessive? Off to "A"Plan in the morning who last year could not get anywhere near AvIva. Will be interesting to say the least.














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Post #159550718th Jan 2016 9:03 pm
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D4mation
 


Member Since: 29 Jul 2011
Location: Ruralshire
Posts: 593

United Kingdom 2012 Discovery 4 3.0 SDV6 HSE Auto Ipanema SandDiscovery 4

Interesting.
AVIVA has just hiked my renewal by 10% so I'm currently trawling through gocomparetheconfusedsupermarket.com

The branded alternative insurers are at least £140 cheaper, however they all have a clause that says they won't cover any part of a repair or replacement which improves your car beyond its condition before the loss or damage took place. AVIVA doesn't have this clause.

So I'm concerned that this is what in warranty terms is known as "betterment", which I had removed from my Warranty Direct policy, and could mean that the insurer will ask you to contribute to the cost of replacement parts because the damaged part was older, and of inferior condition than its replacement. MY12 D4 HSE Ipanema Sand  
Post #159593319th Jan 2016 5:40 pm
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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73134

Ukraine 

Recently got my renewal from NFU, tad cheaper than last year. Thumbs Up   
Post #159593719th Jan 2016 5:44 pm
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Officerdibble777
 


Member Since: 28 Jan 2015
Location: Fife
Posts: 136

Scotland 2006 Discovery 3 TDV6 S Auto Bonatti GreyDiscovery 3

My insurance renewal was about 50% up on last years so I shopped around and got admiral for nearly £100 cheaper than last years .by the time you add the extras it still came out at £250 ish  
Post #159934425th Jan 2016 7:36 pm
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Discomadness
 


Member Since: 19 Jan 2015
Location: Caerphilly
Posts: 2256

Wales 2007 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Car insurance is a bloody scam in my opinion. Mine went up again this year. One thing to watch is the excess ! Some companies want £800 or more compulsory ! Jarrod

Current : D3 2007 HSE - AKA the lemon
-beanie grille
-detango with led bulbs
-club body off rebuild. TWICE.  
Post #159934925th Jan 2016 7:42 pm
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Red Merle
 


Member Since: 30 Aug 2014
Location: Liskeard
Posts: 7441

United Kingdom 

D4mation wrote:
Interesting.
AVIVA has just hiked my renewal by 10% so I'm currently trawling through gocomparetheconfusedsupermarket.com

The branded alternative insurers are at least £140 cheaper, however they all have a clause that says they won't cover any part of a repair or replacement which improves your car beyond its condition before the loss or damage took place. AVIVA doesn't have this clause.

So I'm concerned that this is what in warranty terms is known as "betterment", which I had removed from my Warranty Direct policy, and could mean that the insurer will ask you to contribute to the cost of replacement parts because the damaged part was older, and of inferior condition than its replacement.


I'd be concerned about the use of "green" parts too (scrap yard parts). 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!)  
Post #159935325th Jan 2016 7:47 pm
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