Advertise on DISCO3.CO.UK
Forum · Gallery · Wiki · Shop · Sponsors
DISCO3.CO.UK > Off Topic - Humour, Rants & Pointless Posts

Annual insurance merry-go-round - again
Post Reply  Down to end
Page 11 of 12 <123 ... 101112>
Maddpuk
 


Member Since: 25 Aug 2023
Location: Barnard Castle
Posts: 29

United Kingdom 2014 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4
D4 renewal

Our D4 was acquired last Summer and wife's policy amended accordingly. The annual renewal is now approaching and Zenith has politely declined to offer a renewal.
So, Go.Compare ... wife gets a quote of about £465/yr based on Social use only for up to 3kmiles with 9 yrs NCB with Hastings; Excess ~£395 (£100 voluntary). Policy would be in her name with myself as a named driver. No convictions.
Just run it through Go.Compare today as me with her as named driver, but ZERO NCB since my NCB is already used on another vehicle and the quote is £446; excess £295 (£100 voluntary).
Go figure?
 2014 Discovery 4 HSE
2013 Insignia Sports Tourer BiTurbo 4x4 SRi
2004 S2000
Honda FourTrax TRX300
- Paul 
 
Post #236512525th Mar 2024 3:53 pm
View user's profile Send private message View poster's gallery Reply with quote
gstuart
 


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

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

Skagg wrote:
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


Hiya

Big apologises in missing this , indeed I would push for the update , maybe print out some insurance quotes where they’ve either refused or very high quotes in order to push them to do the update seeinf it’s in for a service

https://www.carmagazine.co.uk/car-news/tec...ity-fixes/

Plse let us know how u get on , see there also investigating in sea ports , also still concerned about the key being able to be sent via the post from just a vin number , wondering it it’s worth covering them as an extra precaution

https://www.thisismoney.co.uk/money/cars/a...otors.html

At the end of the day I dread to think what the cost of new keys will be as I would assume after the software update the BCM will have to be removed to add further keys
   
Post #236512725th Mar 2024 4:30 pm
View user's profile Send private message View poster's gallery Reply with quote
gstuart
 


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

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

Happen to see this ref new keys after the update

https://www.jaginfo.org/threads/have-you-h...ll.116999/

Daughter today bought a Velar Jan 2023 Model and that too has had an update security wise. The sales director stated that If an owner now looses a key Its over £500 for the new key and programming plus the BCM has to be replaced at a cost of £1500, so £2K to replace a key.
Insurance is still an issue, her current Evoque cost just over £500 annually, with 6 months to renewal an extra £700 had to be paid for the Velar and a new policy is £2K but hopefully by renewal time the action JLR has taken will have fed through and premiums will drop. (Age 31, full NCB and in a good postcode)
She just loves the car so not deterred by the recent issues or the fact JLR may not be around too long if a turnaround doesn't come soon.
   
Post #236512825th Mar 2024 4:37 pm
View user's profile Send private message View poster's gallery Reply with quote
pjm-84
 


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

Ukraine 

Lol.....I don't love a car enough to pay £2k insurance...... indeed when I bought my motorbike recently I bought the older model as the insurance was £200 vs £500
  
Post #236512925th Mar 2024 5:01 pm
View user's profile Send private message View poster's gallery Reply with quote
dantheman
 


Member Since: 12 Mar 2010
Location: Essex
Posts: 1728

England 2009 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Dont even look at learner drivers.
Our eldest is coming up for 17 so swmbo asked how much to add him onto her car with a provisional licence. Her policy runs out in May and they wanted £290 till then. They also offered her another service which can be renewed every 45 days for £360. Bargain Rolling Eyes
Might be cheaper for her to cancel her policy and take out another with someone else that will add him. Dreading him passing his test and the cost. Big Cry
 Today is the oldest you've been and the youngest you'll ever be again.  
Post #236516426th Mar 2024 12:18 am
View user's profile Send private message View poster's gallery Reply with quote
Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14113

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

Good luck. I read somewhere that the average cost of insurance for a newly qualified driver is about £3000!
 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 Sad
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 
 
Post #236516726th Mar 2024 1:10 am
View user's profile Send private message View poster's gallery Reply with quote
pitcaig
 


Member Since: 14 Mar 2008
Location: Falkirk
Posts: 156

Scotland 2014 Discovery 4 3.0 SDV6 XS Auto ChablisDiscovery 4

dantheman wrote:
Dont even look at learner drivers.
Our eldest is coming up for 17 so swmbo asked how much to add him onto her car with a provisional licence. Her policy runs out in May and they wanted £290 till then. They also offered her another service which can be renewed every 45 days for £360. Bargain Rolling Eyes
Might be cheaper for her to cancel her policy and take out another with someone else that will add him. Dreading him passing his test and the cost. Big Cry


Look into taking out a learners policy in his own name with you and your wife named on it and he will start earning NCB right away. I did this with my second daughter a couple of years ago think it was about £350 on a VW Up and it made a big difference having 1 years NCB at 18 years old.
  
Post #236516826th Mar 2024 1:23 am
View user's profile Send private message View poster's gallery Reply with quote
JordsDisco
 


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

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

I renewed SWMBOs car insurance last night. She was with Tesco at £200 last year. They wanted £370 this year. A phone call reduced it to £300, but we went with Sheila’s Wheels - part of the Esure Group, via Topcashback - so we get £42 from them and the premium was lower £250, with a total excess of just £50.

It’s just a PITA checking comparison sites. Rolling Eyes
  
Post #236517026th Mar 2024 7:53 am
View user's profile Send private message View poster's gallery Reply with quote
StuRox
 


Member Since: 16 Mar 2007
Location: Wherever the beaten track takes us
Posts: 637

England 2007 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

pitcaig wrote:
dantheman wrote:
Dont even look at learner drivers.
Our eldest is coming up for 17 so swmbo asked how much to add him onto her car with a provisional licence. Her policy runs out in May and they wanted £290 till then. They also offered her another service which can be renewed every 45 days for £360. Bargain Rolling Eyes
Might be cheaper for her to cancel her policy and take out another with someone else that will add him. Dreading him passing his test and the cost. Big Cry


Look into taking out a learners policy in his own name with you and your wife named on it and he will start earning NCB right away. I did this with my second daughter a couple of years ago think it was about £350 on a VW Up and it made a big difference having 1 years NCB at 18 years old.


I was just about to say that, as just put our son through the test and got a learner policy from Adrian Flux which was in his name and cost just over £200 for the year. Although he only needed it for 4 months before he passed Thumbs Up However now trying to get him insured is another story.....well done son, you passed your test ..now you cannot drive at all till you are 25 years plus Sad
  
Post #236517426th Mar 2024 8:43 am
View user's profile Send private message View poster's gallery Reply with quote
pjm-84
 


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

Ukraine 

Friends have just gone through this with their 17yr old (birthday end of Feb).... new lease BMW 1 Series and 3k+ a year on insurance, limited miles and a black box.

Being a lease car, I can only see it being in the Dad's name. The 17yr old is at College
  
Post #236521426th Mar 2024 4:43 pm
View user's profile Send private message View poster's gallery Reply with quote
Dave T
 


Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6903

England 

we found admiral and a multicar policy was best for just passed the test at a young age. Was a few years ago now, but worth trying, maybe swap another car onto it as well
 Joined the BMWX5 45e group
1994 Defender 90

2015 RRS Corris Grey/Black roof
2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold

Convoy for Heroes 2011 
 
Post #236521726th Mar 2024 5:13 pm
View user's profile Send private message View poster's gallery Send e-mail Reply with quote
dantheman
 


Member Since: 12 Mar 2010
Location: Essex
Posts: 1728

England 2009 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Thanks for the advice chaps. We'll look at a learners policy.
Didn't realise you could have 2 insurance policies on the same vehicle. I wanted to borrow a mates vehicle and couldn't get it insured so I gave up

Every day is a school day Thumbs Up
 Today is the oldest you've been and the youngest you'll ever be again.  
Post #236521926th Mar 2024 5:39 pm
View user's profile Send private message View poster's gallery Reply with quote
pjm-84
 


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

Ukraine 

You cant double insure....you insure for loss but you shouldn't profit from it.
  
Post #236522126th Mar 2024 6:18 pm
View user's profile Send private message View poster's gallery Reply with quote
Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14113

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

My daughter's 2009 D3 was £1800 to insure her at 17 fully comp and was just an extension of her learner policy (£1350 uplift). She's now 19 and it's £4000 Rolling Eyes Her VW UP! Beats was £450 for the year as a learner.

23 yo daughter, paediatric nurse, has a 2018 Discovery Sport. £1100 when she got it two half years ago now £2400.

My 2007 Renault Master camper conversion was £686 last year, renewed today at £437. Very Happy

My Defender was £1300 when I got it in Oct 22, now £2600. Twisted Evil

SWMBO's T-Cross has remained £280 for the past four years and didn't change when she upgraded it for a new higher spec one. Confused

Insurance makes no sense Rolling Eyes All I know is it's now costing me nearly £10k and nothing has changed in any way whatsoever. 🤷‍♂️
 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 Sad
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 
 
Post #236524727th Mar 2024 12:13 am
View user's profile Send private message View poster's gallery Reply with quote
PJ D4
 


Member Since: 06 Apr 2022
Location: Northants
Posts: 40

United Kingdom 

My 2015 HSE Luxury was £569 with LV last year. Their new quote has gone up to £794.

Went onto Moneysupermarket and found another 5 star policy with Aviva for £504

No brainer.
  
Post #236653013th Apr 2024 6:43 pm
View user's profile Send private message View poster's gallery Reply with quote
Display posts from the last:  
Post Reply Back to top
Page 11 of 12 <123 ... 101112>
Jump to:  
Previous Topic | Next Topic >


Posting Rules
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



DISCO3.CO.UK Copyright © 2004-2024 Futuranet Ltd & Martin Lewis
DISCO3.CO.UK RSS Feed - All Forums

DISCO3.CO.UK is independent and not affiliated to Land Rover.
Switch to Mobile Site