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Annual insurance merry-go-round - again
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defector
 


Member Since: 23 Feb 2009
Location: Greater Manchester
Posts: 1236

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

Received my renewal with LV insurance for January for one of our cars with no changes reported.
It was £254 for the renewal compared with last years £287 Shocked Shocked

This new law that kicks in next year seems to be working....for some.
My daughters renewal has nearly doubled with Admiral even though she now has another years NCB - although she was in an accident but already classified as non fault by Admiral.
She will be doing the rounds on the comparison websites, whereas i will simply renew.

I've been doing the comparisons for years, but LV more or less dammit come in about the best. I'll stick with them even if they are a few pounds dearer as they were exceptionally good on a couple of claims many moons back.

But as the saying goes, the're only as good as the last claim.
  
Post #226981430th Dec 2021 4:04 am
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A-Plan Insurance
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Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 338

United Kingdom 

That's a big increase for your daughter, just thought I'd jump in to mention, how long ago was the claim? It may be treated as Fault until the costs are recovered from the 3rd Party, so if recent and ongoing this may be why... Worth asking Smile
 A-Plan Insurance | Specialist Vehicle
Call us on 01635 874646 for a quotation Click Here 
 
Post #226982330th Dec 2021 8:49 am
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 670

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

Loved it, wife in her car, hit my stationary, unattended Disco in the driveway. Had to do an insurance claim.

When it came to renewal, we were both with the same company, Direct Line and similar premiums, hers went up £8, mine with her as a named driver went up £70. Phoned them up, but they wouldn’t budge, in fact when I mentioned moving from them, the Tele Op at renewals simply told me to go ahead.

I searched around and went via top cash back site to Confused price comparison site and got it £100 cheaper, plus £42 from cash back and a £20 Halfords voucher from Confused.

Couldn’t make it up unlike Direct Lines premiums.
  
Post #226983030th Dec 2021 10:17 am
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M3DPO
 


Member Since: 22 Sep 2010
Location: Notts.
Posts: 7210

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

Direct line increased my insurance 3 weeks after I took it out by nearly £100, I questioned why and they said they had quoted wrong and cancelled the policy because I refused to pay the extra, I went to LA and they where £50 cheaper than DLs first quote.
 It can when others can't,
It will when others won't,
It goes where others don't. 
 
Post #226984830th Dec 2021 11:02 am
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 670

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

They used to be quite good, but now ….

Wouldn’t mind, but I had all the cars and house insurance with them. Now it’s down to one car and that will go next time.

Plus on the renewal they said if you’re not happy with the premium phone them, which is what I did, but it got me absolutely no where, so what’s the point?

Finally, I remember having to ask the guy five or six times to repeat what he said. I simply couldn't understand him. That’s no good when your answers influences your cover or lack of it. He really gave the impression that he couldn’t care less.
  
Post #226985330th Dec 2021 11:23 am
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 11597

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

I hate doing insurance. We have a lot with A-Plan, includng the house, which needed high contents cover and our business and the property. They are super easy to deal with. Sometimes they are cheaper other times more expensive but not by much and the small difference is worth it for the ease of dealing with them.

However, in order to put my eldeset (21) daughter on my insurance to drive my car, I had to move to Admiral Multicar. Not cheap but the cheapest means to do it, but its an introductory offer so we'll see what happens next year! It means her Abarth, her sisters Beats UP! and my XC90 are on one policy. SWMBO's car and the Camper van are still with A-Plan. SWMBO will not move from A-Plan becuase of their customer service.

One company I will never use again is Endsleigh, through Compare the Market! Shafted me on my Spider's renewal and then when I sold it asked for ridiculous amounts of proof that I had sold it when I cancelled the policy! Twisted Evil
 New 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 #226986230th Dec 2021 12:22 pm
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terryall
 


Member Since: 17 Jun 2011
Location: Whitstable
Posts: 1310

United Kingdom 2009 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Continuing this annual saga - has anyone used esure insurance for their car? Also, I always thought you had to be connected to farming/land in some way to use NFU Mutual but apparently not. Are they any good?
Also, any thoughts on the best breakdown service to use which include full recovery and just about everything else they can offer.

Thanks,

Terry
  
Post #227372319th Jan 2022 7:13 pm
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Dave T
 


Member Since: 03 Jul 2009
Location: Glasgow
Posts: 6788

England 

I have just renewed again with A Plan for defender and RRS, great service as always.

I use the AA for recovery, some companies have a car age limit, so be careful if you have an old car
 2015 RRS Corris Grey/Black roof
1994 Defender 90

2016 D4 Graphite Santorini Black
2012 D4 XS Orkney Grey
2005 D3 S Maya Gold

Convoy for Heroes 2011 
 
Post #227372919th Jan 2022 7:28 pm
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terryall
 


Member Since: 17 Jun 2011
Location: Whitstable
Posts: 1310

United Kingdom 2009 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Thanks Dave. I'm actually with A Plan now for 2 cars and house but they are coming up a little expensive on one car.
  
Post #227374519th Jan 2022 8:00 pm
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M3DPO
 


Member Since: 22 Sep 2010
Location: Notts.
Posts: 7210

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

Any insurañce company is only good when it comes to paying out claims, although I don’t have motor insurance with the NFU I do have property insurance and I can only give 10/10.
I have made the mistake of going with the cheapest and have deeply regretted it with my wife’s Mini, although comparatively quick it was not until I came to replace the vehicle that I realised how much it had been undervalued and when I came to replace the vehicle they hit me with loss of NCB that I had paid extra for protection.
The claim could have been 10x higher as 5 minutes earlier it was parked in a crowded supermarket car park.

 It can when others can't,
It will when others won't,
It goes where others don't. 
 
Post #227374919th Jan 2022 8:09 pm
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terryall
 


Member Since: 17 Jun 2011
Location: Whitstable
Posts: 1310

United Kingdom 2009 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Thanks Dave. I'm actually with A Plan now for 2 cars and house but they are coming up a little expensive on one car.
  
Post #227376019th Jan 2022 8:51 pm
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lard
 


Member Since: 07 Jul 2018
Location: Wiltshire
Posts: 143

United Kingdom 2008 Discovery 3 TDV6 SE Auto Tonga GreenDiscovery 3

terryall wrote:
Continuing this annual saga - has anyone used esure insurance for their car? Also, I always thought you had to be connected to farming/land in some way to use NFU Mutual but apparently not. Are they any good?
Also, any thoughts on the best breakdown service to use which include full recovery and just about everything else they can offer.

Thanks,

Terry


https://www.driverguardian.co.uk/ - they only do full bells and whistles cover and include EU for 30 days - I've not had cause to use them yet, but they covered my Disco 3 with 150k miles for £124 quid,

They promise to reduce on renewal and to be fair it was £105 last July, and to boot after I got rid of the Disco they transferred the remaining policy onto my 2008 Freelander 2 within about 2 hours via email without any cost for the remainder of the policy - not had cause to use the service yet, but so far the cost and customer service has been great
  
Post #227380520th Jan 2022 2:14 am
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Ivan
 


Member Since: 01 Mar 2011
Location: Caverswall Staffordshire
Posts: 572

United Kingdom 2005 Discovery 3 4.4 V8 SE Auto Zambezi SilverDiscovery 3

terryall wrote:
Continuing this annual saga - has anyone used esure insurance for their car? A


Be careful with Esure. See this thread and the post by SocialRover (Page 3 post 9) about the replacement cost offered by Esure.

Ivan
 2013 RR Vogue SE SDV8
2013 Freelander 2 HSE Luxury SD4 
 
Post #227383620th Jan 2022 10:05 am
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terryall
 


Member Since: 17 Jun 2011
Location: Whitstable
Posts: 1310

United Kingdom 2009 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

I now see why everyone goes slightly mental as renewal time as this is doing my head in with so many choices and permutations . I can see what I’ve always stuck with A Plan even though they may be a few quid extra but they take all the flack if there is a claim. I quite like the look of Driverguardian though.
  
Post #227385620th Jan 2022 11:16 am
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J77
 


Member Since: 03 Mar 2008
Location: Fife
Posts: 6195

Scotland 

This year for the first time in a while I’ve stayed with the same insurer. Renewal from Aviva was on a par with new policies on price comparison sites.
 21MY Defender 90 S D200 MHEV Tasman Blue and Fuji White roof

On order - 23MY Defender 110 SE D250 MHEV Tasman Blue and Fuji White roof 
 
Post #227395020th Jan 2022 7:48 pm
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