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Annual insurance merry-go-round - again
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Skagg
 


Member Since: 15 May 2015
Location: Not where i'd like to be
Posts: 1029

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Yulong WhiteDiscovery 4

gstuart wrote:
Also went with Hastings and funny enough found it cheaper and on confused than supermarket compare

Came out around £500 with full home recovery , key cover , protected NCB

Knew it wasn’t the fault of A plan as they said so many of there brokers dropped out from insuring land rovers as there quote came in at just over £1200

Also had a lot of the things in ur pic

Ref renewals I always cancelled them via my bank app to prevent any auto renewals coming out by mistake

Good to see u got a good quote , wonder what next year will bring , hopefully a lot better with JLR updating all landies back to 2016 and not taring all of them with the same brush so to speak


Have i missed something here Gary? JLR updating Landies from 2016 on. What's the craic? Mines in for a service in a month or two, should i be pushing for an update of some description?

Cheers n Gone Nick Thumbs Up
 MY16 D4 Landmark SDV6 (The Ice Maiden)
Uncle Ray's spare wheel protector
MY08 D3 HSE Stornoway (Miss Moneypit) The money tree withered...... 
 
Post #23635515th Mar 2024 12:52 am
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WOODY179
 


Member Since: 01 Jun 2005
Location: Chesterfield
Posts: 3640

United Kingdom 

Best thing to do is check Topix for your vin number, if it lists a 'campaign' then your dealer will do it, if nothing listed then they wont update anything. Mine (23MY Evoque).

Topix listed a security campaign for mine (N863 BCM Security Enhancement) which the dealers did last Monday (as it was booked in anyway), they just rang me the Saturday before and advised me to bring both keys.
 1996 Discovery 1 300TDI ES Biarritz Blue, sold
1999 Discovery 2 TD5 ES Rioja Red, sold
2002 Discovery 2 TD5 ES Buckingham Blue, sold
2005 Discovery 3 TDV6 HSE Adriatic Blue, sold
2006 Discovery 3 TDV6 HSE Zambezi Silver, sold
2011 Discovery 4 SDV6 HSE Nara Bronze, sold
2016 Volvo XC60 D5 AWD Lux Nav Twilight Bronze, sold
2020 Range Rover Evoque P250 First Edition, Nolita grey, sold
2023 Range Rover Evoque P300e Autobiography, Carpathian grey 
 
Post #23636085th Mar 2024 3:52 pm
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SteveKK
 


Member Since: 11 Apr 2019
Location: North Herefordshire
Posts: 270

Ukraine 2010 Discovery 4 3.0 SDV6 HSE Auto Buckingham BlueDiscovery 4

Tempted by a new Defender and thought I would check out insurance costs as I expected that would be a deal killer. Pleasantly surprised considering all the horror stories. Admiral appear to be the main insurer as four out of seven below £610 were from them.
Click image to enlarge


Still not sure the cost of changing vehicle is worth it though...

Regards,
Steve
  
Post #23636335th Mar 2024 7:15 pm
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Gary_P
 


Member Since: 03 May 2016
Location: Kent
Posts: 1560

Ukraine 2016 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

The depreciation on your new Defender will dwarf any insurance costs.
 Gary
-------------------------------------------

Discovery 4 HSE 2016MY 
 
Post #23636345th Mar 2024 7:18 pm
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 1533

United Kingdom 2008 Discovery 3 3.0 SDV6 GS Manual Santorini BlackDiscovery 3

Rolling with laughter
  
Post #23636505th Mar 2024 9:54 pm
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KevinD3
 


Member Since: 05 Aug 2020
Location: Sutton Coldfield
Posts: 1235

England 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Quickly may they depreciate…….so I can afford a used one in 10 years Very Happy
 2008 HSE Stornoway Grey

My Wife thinks the D3 is a hobby, The D3 thinks the wife is 💕 
 
Post #23636535th Mar 2024 10:31 pm
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 1533

United Kingdom 2008 Discovery 3 3.0 SDV6 GS Manual Santorini BlackDiscovery 3

This is classic.

I have motorcycle insurance with One Call, defacto 5* rated.

Anyway, I am getting my new motorcycle on Tuesday, so was wanting to change the insurance from one bike to the new one.

I’d renewed the policy in January this year and paid the full amount. It appears the old insurance won’t insure the new one. No great problem there, there’s plenty about that will.

However, I seems I won’t get anything back on the policy, in fact they want to charge me £20 odd on top for cancelling it. Thud

That’s a new one on me tbh.


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Post #23638768th Mar 2024 10:02 am
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BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3641

United Kingdom 

If an insurer won't provide cover for a new vehicle it is usual (providing there have been no claims on the policy) for the insurer to provide a pro-rata refund (less any admin fee the insurer may impose but that would be shown in the policy)

If you have had the policy say 2 months then there should be 10/12ths of the premium refunded. The broker can still take their £21.45 from it, albeit a little unfair if they are providing a new insurance for you.

Check the actual policy wording where it will show what happens if "you" cancel or if "we" cancel (being the insurer). It should also show any fee they retain, in the same section.
  
Post #23638808th Mar 2024 10:24 am
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gstuart
 


Member Since: 21 Oct 2016
Location: kent
Posts: 13840

United Kingdom 2005 Discovery 3 TDV6 Base 7 Seat Auto Java BlackDiscovery 3

Never seen one of those obd2 cables before

Shocked about the vin being able to be used

?si=5EE2KspOYnl8uruo
   
Post #236483520th Mar 2024 5:18 pm
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LandRoverAnorak
 


Member Since: 06 Mar 2014
Location: Surrey
Posts: 1150

United Kingdom 2013 Discovery 4 3.0 TDV6 XS Auto Aintree GreenDiscovery 4

JordsDisco wrote:
However, I seems I won’t get anything back on the policy, in fact they want to charge me £20 odd on top for cancelling it. Thud

I think that's just poorly worded. It doesn't say you won't get a refund, just that a new quote won't allow for it. Basically, the new quote and refund on your existing policy are two separate transactions.
 Darren

"You came in that thing? You're braver than I thought!" - Princess Leia

My new D4 Build Thread
My old D3 Build Thread 
 
Post #236484520th Mar 2024 9:43 pm
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 1533

United Kingdom 2008 Discovery 3 3.0 SDV6 GS Manual Santorini BlackDiscovery 3

I got this yesterday. It explains their charges. I still think it’s ridiculous for two months worth of insurance and someone taking all of one second to cancel it.

I also think it’s strange how the insurance company won’t cover me for the new motorcycle, but One Call found a new company that will at a cost of £300 basically. Rolling Eyes

I’ve now gone with BikeSure, part of the Adrian Flux group for half the price for identical coverage.

I’ve had the new bike a week now and covered 250 miles at a running limit of 4k revs, God it was a PITA. The next 150 miles are at 6k and then another 200 miles are “moderately”, it red lines at 10k, truth be told I’ll have to watch it, a flick of the wrist and the traction control kicks in when the front wheel wants to come off the ground. Rolling with laughter



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Click image to enlarge
  
Post #236485921st Mar 2024 9:08 am
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RRSTDV8
 


Member Since: 07 Apr 2014
Location: Here
Posts: 13275

United Kingdom 

They've just made up the "cost of days covered" figure to ensure they don't pay anything back. How the first three months of the year account for 2/3rds of the year's insurance cost is remarkable and such a coincidence!
 Visiting from rrsport.co.uk
2012 RRS SDV6
2008 RRS TDV8
"When you fire that first shot, no matter how right you feel, you have no idea who's going to die! You don't know who's children are going to scream and burn. How many hearts will be broken. How many lives shattered. How much blood will spill, until everybody does what they were always going to have to do from the very beginning: SIT DOWN AND TALK!" 
 
Post #236486421st Mar 2024 10:29 am
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pjm-84
 


Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2511

Ukraine 

New tyres can be a pain on a motorbike, but so variable.

Spent a 2-3weeks on my GSA commuting 3miles each way 4x a day, trying to put a heat cycle into the tyres and had more slides then I would want to remember. So slippery and lethal in the wet.

Put on a set of Trailmax Raids on the AT recently and by the third corner had enough confidence to just not worry about the fresh rubber.
  
Post #236487021st Mar 2024 11:40 am
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 1533

United Kingdom 2008 Discovery 3 3.0 SDV6 GS Manual Santorini BlackDiscovery 3

Know what you mean. Whistle The bike came with Dunlop Roadsport 2 tyres. They seem reasonably capable tbh.


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Post #236487721st Mar 2024 12:35 pm
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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
Location: Off again! :-)
Posts: 72898

Ukraine 

Bit of good news and not that good but not that bad news. Our Skoda has only gone up 2.6% to £267. The Jazz has gone up 27% to £203. Deffo no problem with the former, might see what I can do for the latter as it’s gone up from £120(ish) to £203 in a couple of years. It’s not one of the type that LV has blacklisted, renewal is with LV, but maybe they feel the need to fleece other jazz users. Rolling Eyes

Will see what a bit of Meerkat comparison can do. Thumbs Up

PS There was an email a few hours before the price coming in hinting that you needed to sit down for the renewal, maybe that worked as we were braced for an impact that didn’t arrive.

PPS Leaving as is as once i excused the mega cheapies, that weren’t mega cheap, the Jazz price wasn’t that bad. Obviously Jazz drivers are reverting to their natural habit of hooning. Whistle
   
Post #236510425th Mar 2024 10:57 am
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