Got in touch with Pete at bell autos about getting the old girl a tune, did all the Pre tune updates and called insurance today to be told Hastings won’t insure me if I go ahead 😡 50 years old clean licence 20+ years full no claims doing 5k a year, just paid for the full year in May so I’m looking to change just haven’t got time before I go away My premium is £300 per year and that’s mainly down to swimbo who drivers her Q3 like she’s on a welsh rally stage running into a polish numptie who just stopped on the m69 slipway for no reason and demanded £500 cash long story but insurers paid him out 😡 any recommendations on insurers gratefully received oRange Rover Westminster 4.4 TDV8 what a car
Discovery 3 HSE 2006 gone but never forgotten
Member of the 234,567 mile club😎
10th Jul 2020 9:18 am
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14394
Aplan 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
10th Jul 2020 9:29 am
astonbuilder
Member Since: 29 Sep 2006
Location: MIDLANDS
Posts: 8136
Can't recommend as such when 'mods' included so one of your usual 'compare' sites is best place to start.
Coincidentally I was with Hastings a few years back and I noticed an asterisk next to the question on modifications.
On clicking 'more info' it was asking what factory fit options were fitted to the vehicle. I explained the car was 15 years old so I had no idea what was factory boggo spec and optional extra.
I had a response asking me to answer the question "to the best of your knowledge" and "none" was acceptable in that case
Can you imagine an insurance claim wheedled out of "because you didn't inform us of the 'smoker pack delete' option on your vehicle"............
10th Jul 2020 9:30 am
Geoff at Drym
Member Since: 18 May 2015
Location: Cornwall
Posts: 584
I'm with Adrian Flux. Told them about Alive tuning remap and no increase in premium. Current premium is apprx £250.00. on my 2007 D3. Also have my MX5 with them and going to insure wife's Getz with them next time.2007 Disco3 2.7 tdv6 SE
gvif with reversing camera
V8 brakes with new EPB module and shoes
Later D4 grille
Alive tuning remap
Mazda MX5
Ferguson ted20 tractor
Hyundai Getz 1.4 (wife's )
10th Jul 2020 9:35 am
Discoed
Member Since: 16 Jun 2010
Location: Yorkshire
Posts: 1020
I find this interesting - what happens if you purchase a car with a re-map already done and not declared, after a couple of owners it may effectively become unknown as a modification. No insurance company is even going to know in such circumstances.
If I purchase a car that has been re mapped (and have no knowledge of it) what happens if I have an accident and the re map comes to light (not sure how - analysis of the ECU maybe?) is my insurance void?D4 2014
1965 Land Rover series 2A (200Tdi)
10th Jul 2020 9:54 am
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2591
Just insured with HD for the D3 V8 at £170. Went to insure with my PHEV but since its owned by the Wife and driven by me they had a bit of a hizzy fit.
A-Plan are fine with declared mods like this. LV= have also been similarly accommodating in the past - my Freelander has a lift kit, wheel spacers, oversize tyres, dual battery system, remap, induction kit, seats replaces, additional lighting, vinyl decals etc etc etc, all declared and both insurers were fine with these and provided a schedule that listed everything.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.
10th Jul 2020 9:59 am
Froogle-Yorkshireman
Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 302
I always found NFU sensible about mods on my Defenders.
Sadly it's a bit of a postcode lottery with them on price these days.
10th Jul 2020 10:20 am
LT
Member Since: 31 Dec 2005
Location: South West
Posts: 23826
NFU, the cheapest for me and brilliant with claims. As above though, highly dependent on your postcode and age.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)
10th Jul 2020 11:59 am
Hormic23
Member Since: 14 Aug 2017
Location: Hampshire
Posts: 99
Another for A-plan.
I was with Hastings prior to having my D3 remapped in June, I didn't bother asking them to quote as the A-Plan quote was lower with the remap than my annual premium was without it 2007 D3 TDV6 XS - GONE
BAS Remap
EGRs blanked
Adaptive bi-xenons
RLD spare wheel protector
10th Jul 2020 12:10 pm
Oxford-boy
Member Since: 07 Sep 2015
Location: Oxford
Posts: 1108
Another forum member posted this document a while back.
The ABI policy on ' modifications'.
Fascinating and somewhat eyebrow raising that factory fit 'options' are also 'modifications'.
Not sure it helps anyone much but interesting read..
Had a very interesting discussion when talking to my last insurance company about what all the extra bits on the G4 Spec D3 meant, and that everything was fitted at the factory so it technically wasn't "modified"...
It took a while for them to accept that it was "as it left the factory" and we had to provide the build sheet from Landrover, the specification from the G4OC Website and lots pictures before they would relent.
At least its appropriately insured and includes all the equipment and not just classed as a 12yr old D3 that happens to be Orange....it was painful at times though. G4OC Secretary
N44RT Callsign NH89
10th Jul 2020 2:02 pm
BrianX
Member Since: 11 Dec 2005
Location: Bolton UK - it may be 'grim up north' but at least you get gravy on yer' chips.
Posts: 217
We've got the D3 and a FFRR insured with Admiral Multicar. No problems at all when informing them about the D3 remap, all they wanted to know was what power increase % was, 1-10%, 11-20%, 21-25% etc. Can't say they are particularly cheap but we do live next to a renowned robbers paradise which seems to more than double the premium from my last address.'
'
'05 Disco3 TDV6 - gone
'06 Disco3 TDV6 - gone
'08 Freelander 2 - gone
'98 P38 V8/LPG - gone
'02 L322 V8 - gone
'02 Freelander 1 - gone
'05 Disco 3 TDV6 - SWMBO
'06 L322 V8 - current
12th Jul 2020 9:05 am
L319
Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2083
Oxford-boy wrote:
Another forum member posted this document a while back.
The ABI policy on ' modifications'.
Fascinating and somewhat eyebrow raising that factory fit 'options' are also 'modifications'.
Not sure it helps anyone much but interesting read..
That could be very interesting, regarding vehicles not built to specification anyway. I have had two , Land Rover One Tens, one having had the wrong seats fitted, the other no seat belt anchorage's for rear seats and sundry other errors. I cannot see how a subsequent owner can possibly know if anything is none standard. Also most manufacturers in the small print state they can alter the specification at will , so whats original?
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