Member Since: 24 May 2012
Location: North Yorkshire
Posts: 1247
LR insurance aren't bothered about any modifications unless they change the vehicles performance.
I told them about my sump guard - they didn't care
And they cover off road use.MY2022 D5 HSE D300 - with extra nice bits added
MY2019 D5 HSE 3.0 SDV6 - sold to a dealer for a crazy price! - So good I bought another!
MY2012 D4 HSE 3.0 SDV6 - retired to a new home
1st May 2014 3:29 pm
DSL Keeper of the wheelie bin
Member Since: 11 May 2006
Location: Off again! :-)
Posts: 73134
Thankfully my D3 is with NFU who have a list of mods and happy with it. My mods would have them dumbstruck so didn't even try. Both of the Jazzez are with Privilege and had to make sure the second set of rims for their winter tyres was the same type as the original ones. If they were different I'd have to pay a fee every time they were changed, even when changed back to original ones.
Try rewording it..... You fitted a metal towing eye cover to the front
Have have some really strong side steps fitted to my G4
Discovery 3/4 & RRS keys cut and programmed at your home or work
Apple CarPlay/ Android Auto retro fit - see it here
BAS Remaps/ EGR Blanking
Software updates/ enabling
Mobile Servicing & Repairs
1st May 2014 7:24 pm
RRR207
Member Since: 12 Oct 2011
Location: Bristol
Posts: 372
NFU have my car, they weren't worried about all the mods including a sump guard.
They also agreed to insuring my Dad as main driver & referring all questions & policy control to him while I'm over yonder with no issues. My previous company were trying to insist I register Dad as the owner & transfer back to me on my return, no chance!Nick
2010 D4 ....... now gone and replaced with a 05RRV Autobiography
Member of Wessex4x4Response, (Bristol team)
1st May 2014 7:26 pm
Dan the Man
Member Since: 20 Mar 2014
Location: Glasgow
Posts: 215
Rather than end up in a sticky situation I've just taken the sump guard off for now.
Thanks for the recommendations for other insurers but it's an increase of approx £300 per year.
I think I'll try reasoning with them & explaining that a sump guard is in fact to everyone's benefit…..
I'll let you know how I get on.1981 Unimog U1300L (ex German Army vehicle
Previous:
Discovery 3 G4 Challenge
Golf R DSG
BMW 535d M Sport Touring
2010 D4 HSE in Nara Bronze
3rd May 2014 3:58 pm
robbo770
Member Since: 29 Jan 2013
Location: Aberdeenshire
Posts: 2294
grzesiul wrote:
A Plan is awesome but pricey
No way are they pricey!!
All my mods even 2014 complete front end declared and only 300 notes
They wouldn't insure me for my D3 as a second car a couple of weeks ago. Something odd in their risk tables there I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.
Thats odd - last year, I went through a different broker and was insured by a subsidiary of LV that would cover the mods.Mark.
2006, D3 SE Auto - gone but not forgotten.
2014 BMW 530d M Sport Tourer.
1977 Triumph Spitfire 1500
_________________________________________________
Disco Picture Website Here
3rd May 2014 8:06 pm
sailorboi
Member Since: 26 Oct 2012
Location: Bristol
Posts: 2021
I am with admiral and I listed all my mods with them and it only came to £60 more.
With the sumpguard they said as long as I am not going off road then it is fine. 07 Java Black TD V6 D3, EGRs Blanked, Tow bar, Full dog guard & divider, LED Spots , DRLs, GG ATs, RLD Sump guard, RLD Spare Wheel Protector, D4 LED Rear Lights, Limo tints on boot and Midnight tint on rear windows, Kenwood screen with Garmin nav, Rear cameras, D4 Steering wheel with flappy paddles, T-max split charge system, Tree sliders, Prospeed roof rack & Ladder, Alisport fast road inter cooler,
Massey Ferguson 35x
Sankey Narrow Track Camping Trailer (Gone but to a great home)
3rd May 2014 8:18 pm
galwaygreen
Member Since: 30 Oct 2011
Location: plymouth
Posts: 6525
just give my admiral policy back cus they don't cover off road...even a leisurely lr trec day...now with landrover insurance
their theory...if you bought a landrover you will be going off road
3rd May 2014 8:27 pm
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23866
All 3 of my Disco's have been insured with LV. They required a tracker to be fitted to the D4's though.
I've had a couple of non fault accidents and LV were great to deal with. I could have saved £25 by going through A Plan, but the insurer was a firm I'd never heard off. So I decided to stay with LV.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)
3rd May 2014 11:18 pm
mse
Member Since: 27 Jun 2005
Location: Shropshire
Posts: 2707
galwaygreen wrote:
just give my admiral policy back cus they don't cover off road...even a leisurely lr trec day...now with landrover insurance
their theory...if you bought a landrover you will be going off road
Adrian flux always cover off road and green lane, always have - ive been with them (ignoring a short break) for years, mainly on the older LR's and all the mods plus full off road cover
Quote:
Thanks for the recommendations for other insurers but it's an increase of approx £300 per year.
Ignoring the fact that it being a £300 increase seems high (try shopping around) Look at it like this, you are getting more comprehensive and appropriate cover?
Adrian Flux and APlan for meMike
5th May 2014 8:50 am
A.J.M
Member Since: 31 Oct 2009
Location: Carluke
Posts: 2858
I'm with Adrian Flux for my D3.
Trying to find an insurer to cover a 26 yo with a D3 with mod's and get under £600 was a nightmare.
AF have me for £330 FC.
That may change upwords when i discuss some plans later in the year though but i don't see it going north of £400.In loving memory of FA54WSK.
Rest well old friend, your work is done.
7th May 2014 7:20 pm
epninety
Member Since: 12 Oct 2012
Location: Hampshire
Posts: 329
Remember that a 'green lane' has no legal definition, and is usually taken to mean an unsealed public highway... if any insurance company tells you you are not covered they are not meeting their commitments under law.
I've yet to ever see any policy wording that excludes greenlaning... anyone?
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