Member Since: 12 Feb 2021
Location: London
Posts: 141
Car Insurance?
Out of curiosity, how much are people paying for insuring a discovery 4?
Mine just been quoted £1000 - 2015 - 45k miles. 20 year clean driving license comprehensive. About £200 more than last year?Discovery 4
Oct 2015, 2016 build
SDV6 Santorini Black SE
New engine at 42k
Car camper
25th Jan 2024 10:49 pm
HairyFool
Member Since: 04 Jan 2023
Location: North Essex
Posts: 675
We only do a low mileage, most miles will be towing so went for the black box monitoring system from Hastings direct Only 2 years NCD as it is a second car.
The standard insurance was £823, the price with monitoring was £510. I don't drive differently because of it but I am concious of the D4 being 2.5 tonne so drive accordingly. The monitoring rates me at 95-100%, well within their requirements.
Only get marked down for braking but I can't do anything about idiots cutting me up.
The trouble with comparing insurance costs is peoples risks vary so much. I live in a small cul-de-sac in a village with no reported crimes most months(I get the police reports). Private drive with bolted gates and camera coverage all reduce the risk compared to on street parking in a city suburb.
Huge variation of risk.A visitor from the dark side, my other vehicle is an is still an EV. Strictly speaking its SWMBO.
26th Jan 2024 12:04 am
Moo D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14385
Have a search. There have been a few threads running on this recently.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
26th Jan 2024 9:38 am
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2589
One of the reasons for keeping my Volvo...£340 to insure for business use / living in a city.
Looked at the D4 V8 5.0L import last night and wondered what the insurance would be and how long before someone stole it........but lovely
26th Jan 2024 9:41 am
Mike_Pax
Member Since: 11 Oct 2022
Location: North Yorks
Posts: 39
D4 HSE....£380 fully comp including business use and the mrs on it too. Just another benefit of living in rural North Yorkshire , that and the beautiful scenery and lovely folks
26th Jan 2024 10:49 am
MrTed
Member Since: 06 Jan 2023
Location: Rickmansworth
Posts: 190
D4 HSE Rickmansworth, Hertfordshire (Insurance area 'C') £1100 fully comp (+missus) social & domestic + legal costs & courtesy car. 800 years no claims.Discovery 4 HSE late 2015 Euro6
Jaguar XF Portfolio (PX'd for above)
Mitsubishi Galant V6 (PX'd for above)
Instagram: @mrtedgfx
26th Jan 2024 10:58 am
ronp
Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15263
Mike_Pax wrote:
D4 HSE....£380 fully comp including business use and the mrs on it too. Just another benefit of living in rural North Yorkshire , that and the beautiful scenery and lovely folks
…… and yet when I moved back to North Yorkshire from Scotland, the A Plan insurance company decided to charge me an extra £75 for the 8 months remaining on my £387 policy.
26th Jan 2024 11:01 am
pjm-84
Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2589
A specialist broker - they used to be ICI's internal insurance people and I qualify as an ICI pensioner - contacted me last week to see if they can, again, be competitive. Until 3 years back, they beat all the Meerkat quotes in terms of basic price AND free extras.
So I sent off my info, including that last year's premium was £292, and got this reply this morning -
Quote:
Good Morning Dean ,
I have run through an estimated quotation for the landrover.
We would be around £1600.
Kind regards
26th Jan 2024 11:19 am
gareth71
Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 597
'09-plate D3 TDV6, 6k miles/yr, max NCD, SD&P plus class 1 business use, £245 excess (inc. £100 voluntary), near Chester - with Churchill, £286 for a year. (Considerably less than half of what A-Plan wanted to charge me for renewing an identical policy!)
26th Jan 2024 2:50 pm
MrTed
Member Since: 06 Jan 2023
Location: Rickmansworth
Posts: 190
Am I literally paying more than anyone else in the country (Churchill)? Discovery 4 HSE late 2015 Euro6
Jaguar XF Portfolio (PX'd for above)
Mitsubishi Galant V6 (PX'd for above)
Instagram: @mrtedgfx
26th Jan 2024 3:04 pm
Davethegeo
Member Since: 01 Oct 2015
Location: Edinburgh
Posts: 911
Just renewed 63 plate D4. SDP and commuting. Myself and wife as named drivers. Full NCD. £630 with Direct Line.D1 300Tdi - gone
D2 Td5 ES (Alive remapped...mmm) - sadly gone
D4 2012 SDV6 XS - Stolen
D4 2014 SDV6 HSE - Shiny
26th Jan 2024 4:31 pm
AdamB
Member Since: 18 Jan 2023
Location: Thurrock
Posts: 139
I paid about £600 for mine last October. The meerkat says there is one offer around that now but the rest are £1000+. My car is in the now £700odd tax bracket, it's very nice but I'm not sure I can wear a £1000+ insurance bill and the tax come October. If it stays reliable I might be able to justify it
26th Jan 2024 9:16 pm
Brian Considine
Member Since: 05 Dec 2022
Location: Nr Margate
Posts: 280
HairyFool wrote:
Only get marked down for braking
I used to driver HGV's for a well kniown supermaket. The trucks carried a lot of telematics (& of cource a standard Tachograph) - 2 x lots of driver monitoring & CCTV. I never had an issue with this except that you were flagged "harsh braking" every time an idiot on a "device" walked out in front of you (you could not spot every potential idiot, no matter how good your hazard perception). This always resulted in an interview with a driver trainer (a qualified person who spends 99% of their time driving a desk) - pity that the telematics did not flag up on the CCTV which would save a lot of time.
As far as private cars go I don't see the point - if you brake hard it's your brakes & tyres - surly what counts is claims rather than driving style ?
29th Jan 2024 11:42 am
gareth71
Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 597
Brian, this sounds very much like the Lightfoot system that Tesco put into their DotCom vans when I drove for them for a while during lockdown. Used to have to drive like a granny to get anything like a decent score - was downright dangerous when needing to accelerate to join fast-flowing traffic on the A55 or M53 (a frequent occurrence). And as you say, a prompt and appropriate reaction to a sudden hazard resulted in being penalised - it seems they'd prefer you to not brake, and simply plough straight into the pedestrian while applying very gentle control inputs! Suffice to say, I spent my last week there having a bit of fun and seeing just how low I could get my score...
You cannot post new topics in this forum You cannot reply to topics in this forum You cannot edit your posts in this forum You cannot delete your posts in this forum You cannot vote in polls in this forum
