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 12 of 12 <123 ... 101112
M3DPO
 


Member Since: 22 Sep 2010
Location: Notts.
Posts: 8154

England 2014 Discovery 4 3.0 SDV6 HSE Lux Auto Corris GreyDiscovery 4

pjm-84 wrote:
You cant double insure....you insure for loss but you shouldn't profit from it.

Sorry to contradict you but you can insure more than once but you will only get a payout on one, it's got a fancy word that slips my memory and is included in all policies in small print.
You cannot insure someone else's vehicle or property.
 It can when others can't,
It will when others won't,
It goes where others don't. 
 
Post #236664215th Apr 2024 7:35 pm
View user's profile Send private message View poster's gallery Reply with quote
LT
 


Member Since: 31 Dec 2005
Location: South West
Posts: 23522

United Kingdom 2016 Discovery 4 3.0 TDV6 Landmark LE Auto Santorini BlackDiscovery 4

^
You can insure a car you don’t own. However, you need to let your insurance provider know that you’re not the owner or registered keeper of the vehicle.

It's not common, but you can also insure someone else's property, provided that you have an 'insurable interest' in the property. Meaning that you would incur a financial loss if the property (or contents) were to be damaged, lost or destroyed.

Thumbs Up
 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) 
 
Post #236664515th Apr 2024 8:04 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 

M3DPO wrote:
pjm-84 wrote:
You cant double insure....you insure for loss but you shouldn't profit from it.

Sorry to contradict you but you can insure more than once......


Agree..........I was meaning the principle of double insuring for gain. i.e the car is worth 10k, its stolen, thats 10k from this policy and 10k from that policy...your loss has already been covered so you cant claim again.

More detailed read

https://www.gocompare.com/car-insurance/gu...-policies/
  
Post #236664915th Apr 2024 9:43 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 

Renewal for the BMW has come in.... £678 to £995........... can re-insure elsewhere for £771
  
Post #236665115th Apr 2024 9:46 pm
View user's profile Send private message View poster's gallery Reply with quote
mick_n3
 


Member Since: 19 May 2017
Location: Kettering
Posts: 424

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

I'm shocked

Renewal through Admiral multi is £1 cheaper than last year.
2008 D3, 2020 Leon Cupra 290, and house cover

Done a search I can save £100 on Cupra but the D3 is three times what Admiral want so looks like I'll stay where I am,
Just need to sort breakdown cover out, any recommenadtions
 
M6NIO 
 
Post #236777830th Apr 2024 8:27 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 

pjm-84 wrote:
Renewal for the BMW has come in.... £678 to £995........... can re-insure elsewhere for £771



Oddly revisited it, dropped 1000miles, added £100 and it came out at £714
  
Post #236778130th Apr 2024 9:13 am
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

Just had my renewal through with RAC.
It's dropped £45 to £288. I couldn't believe it, not sure I'll bother shopping around at that price Smile
 Today is the oldest you've been and the youngest you'll ever be again.  
Post #236877213th May 2024 8:10 pm
View user's profile Send private message View poster's gallery Reply with quote
Journeyman
 


Member Since: 27 Sep 2020
Location: Hampshire
Posts: 267

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Just had my renewal through with Hastings Direct.

Amazed that it's dropped by £40 to £402. Happy days and I'll go with that.
 Cheers,

Jez

Discovery 3 HSE Stornaway Grey
MY 2008 2.7 TDV6

Discovery 2 2003 - gone 
 
Post #23705145th Jun 2024 4:09 pm
View user's profile Send private message View poster's gallery Reply with quote
RogB
 


Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1682

United Kingdom 

I had an automated renewal quote from the meerkats come through the other day. It was from when i was looking at getting a T5 Transporter from 2 years ago.

I eventually got a T32 T5 180bhp 2.5 Sportline, but the quote was for a T28 84bhp 2.0TDI so must have just been me checking on insurance on a particular van.

When i had the Sportline i paid sub £500, the quote (for the lesser powered T28) was just a few quid under £1600 so dread to think what the sportline would have been if I still had it.

When you look at the reasons the insurance industry is spouting as the reasons for the ridiculously high premiums currently they just dont add up properly. When you see 2 almost identical cars, both written off as cat S but 1 is really badly smashed up, engine hanging out etc and the other just has damaged plastic bumper and slightly dented wing how does that add up ??

Ive seen a rumour that insurance companies are now using AI to decide if a car is written off or not rather than getting an qualified insurance assessor to look at it. Evil or Very Mad
 2011 D4 XS 305 MY12 - gone but not forgotten  
Post #23705446th Jun 2024 8:46 am
View user's profile Send private message View poster's gallery Reply with quote
RRSTDV8
 


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

United Kingdom 

A friend's Golf was side swiped whilst parked. The old boy left his details and she went to insurance. They wrote it off on the basis of a deep scratch along the side of both doors and the rear wing - not economically viable to repair! She got her settlement and then bought it back from them and pocketed the difference (which was quite a nice sum). She'll run it 'til it dies anyway so the fact that it's got a Cat identifier isn't an issue for her. Madness, really.
 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 #23705486th Jun 2024 10:46 am
View user's profile Send private message View poster's gallery Post Reply
Display posts from the last:  
Post Reply Back to top
Page 12 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