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Annual insurance merry-go-round - again
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Trailered Movements
 


Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

LV multicar policy, £200 cheaper than last year without any need to haggle.

A little less than £700 for my RRS & wifes Audi A3 fully comp.

Includes nearly £200 for protected N.C.D. and breakdown cover including at home.



Dave
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #227404921st Jan 2022 9:20 am
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 10851

Ukraine 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

Direct Line vs. Comparison sites

DL renewal was £520 but included European Fully-Comp (only 3rd party as standard) and Euro Zone breakdown/recovery.

As I don't need breakdown cover in UK, plan is just buy it when I need and make sure it does everything I want. It's priced at £99 ... remove it in the self-serve menus and renewal is thus £420.

Comparison sites all coming up with ~£255 so ring DL and see what they can do for Fully Comp UK and Europe ... £277 !!

Told them I wasn't renewing with them because of the £420 dropping to £277 "so why can't you do that in the first place and why can't you now match what others are offering ?"

Go on comparison site, follow link to Hastings (not the Hastings super-cheap offering) as it appeared to tick all the boxes and ...
suddenly all the Censored prices go up and I'm looking at about £395. Bear in mind, I refreshed the quotes only an hour before at the most.

Back to Direct Line. 15 minutes waiting for call back and and lo and behold, the £277 is NOT fully comp in Europe ! Banging Head

After a lot of discussion, eventually got what I want ... £303
  
Post #227923116th Feb 2022 4:53 pm
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StuRox
 


Member Since: 16 Mar 2007
Location: Wherever the beaten track takes us
Posts: 631

England 2007 Discovery 3 TDV6 HSE Auto Zambezi SilverDiscovery 3

Just had the same saga, and my end result was with my Bank, Tesco, who I went direct for a quote, as then cheaper than the compare sites, might be one to try?
  
Post #228037123rd Feb 2022 1:34 pm
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Yankee_Rover
 


Member Since: 02 Jun 2021
Location: Seattle
Posts: 142

United States 2008 LR3 4.4 V8 HSE Lux Auto Zermatt SilverLR3

Just got my home renewal in the mail —31% increase over last year. Inflation has been high, but at a paltry 7% comaparatively, and of course none of my liability limits have increase at all. So I’ll be making lots of inquiries this week.


And of course last month I renewed one of my auto policies and again asked about a mileage discount. Previously I was told it was not available, but this time it was and saved me 10% on 2 cars. I guess I paid for it, and then some, with my home policy. Big Cry
 2008 LR3 HSE, 4.4L V8  
Post #228039723rd Feb 2022 5:55 pm
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WOODY179
 


Member Since: 01 Jun 2005
Location: Chesterfield
Posts: 3459

United Kingdom 

My car insurance is due on 23rd March so I've been ringing around and getting quotes from comparison sites, quotes ranged from £650 to £1400 for my Evoque P250 First Edition. Last years insurance was with LV and the renewal arrived in the post today, less than £500 and only £1.40 more than last year! Very Happy
 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 
 
Post #228076425th Feb 2022 9:20 pm
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KevinD3
 


Member Since: 05 Aug 2020
Location: Sutton Coldfield
Posts: 832

England 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

So my car insurance is due 1sr April for the D3. Renewal quote has gone up by £50 while all the comparison results have gone down by £40, so went to contact Aviva to see if they could do anything about the price…..great customer engagement before you even get a chance to ask!

Click image to enlarge


Guess I’ll be moving supplier this year then, and not just for price.
 2008 D3 2.7TD HSE Stornoway grey

My Wife thinks the D3 is a hobby….My D3 thinks the wife is Wink 
 
Post #228379216th Mar 2022 2:46 pm
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Kilovolt
 


Member Since: 29 Jun 2015
Location: South Derbyshire
Posts: 914

United Kingdom 2013 Discovery 4 3.0 SDV6 Commercial XS Auto Baltic BlueDiscovery 4

(this could get dull but it might stop someone from getting the same cr@p)!

Just dropped A-Plan for my Disco as it jumped up £200 (350 to 550-ish in round numbers).

So did the old comparison thing and ended up with a Lloyds Bank quote.

I ended up paying £278 but things got weird for a while until I got the better of them - see if I can explain.

1) Quote from a comparison site.

2) Transferred me to Lloyds.

3) Noticed my driving experience years wrong so adjusted it - it jumped up £75 !!!

4) Not having that so dumped the quote and started again, having corrected as many details as I could at the comparison questionnaire.

5) Transferred me back to Lloyds. So far so good.

6) They asked for my driving licence number - it jumped up £75 !!!

7) Dumped the quote and started again.

8) Comparison back to Lloyds but did not bother to add licence details as it was not mandatory.

9) In all I dumped the Lloyds website five times (sh!t got personal and I was on company time in any case Whistle ), but I realised as soon as I adjusted something, even the excess, the price jumped up.

10) I paid £278 in the end, logged onto my brand new Lloyds account, adjusted a few parameters (after paying) and now all is correct.

Moral of the story: Make sure you get the comparison data correct before taking the quote and touch nothing (unless it is bad enough to void the policy) once you are transferred.

I like a challenge and I am have quite the patient streak. I look forward to the next renewal on the E36 M3 Cool
 "Track day running - Don't put your foot back on the accelerator until your absolutely sure you don't have to take it off again"

Current Ride: D4 XS Commercial Baltic Blue SDV6 fully loaded with heated everything Smile
Track Days: BMW E36 M3 Evolution MY 1996 (3.2 Litre 377 BHP sat in 1,250 Kgs of car, with a pro safety cage and some serious braking power) Smile 
 
Post #228381016th Mar 2022 5:02 pm
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Kilovolt
 


Member Since: 29 Jun 2015
Location: South Derbyshire
Posts: 914

United Kingdom 2013 Discovery 4 3.0 SDV6 Commercial XS Auto Baltic BlueDiscovery 4

And just remembered.

According to Martin Lewis's money programme thingy, the best time to get a quote is 21-days from renewal. Before then the risk is 'too far ahead' and shorter than that 'you look desperate'.

I have my diary set for this 21 days for all three vehicles and the house.

Who knows Rolling Eyes
 "Track day running - Don't put your foot back on the accelerator until your absolutely sure you don't have to take it off again"

Current Ride: D4 XS Commercial Baltic Blue SDV6 fully loaded with heated everything Smile
Track Days: BMW E36 M3 Evolution MY 1996 (3.2 Litre 377 BHP sat in 1,250 Kgs of car, with a pro safety cage and some serious braking power) Smile 
 
Post #228381216th Mar 2022 5:06 pm
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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

Tried the Martin Lewis trick, it didn’t work. I got my cheapest a week before renewal.

Mind you, I think Lewis has lost his touch, there’s been a few bits of duff advice tbh, but then he made his money and continues to do so.
  
Post #228384116th Mar 2022 7:28 pm
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ronp
 


Member Since: 29 Nov 2006
Location: SW Scotland
Posts: 14609

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

Been on the “merry go round” this afternoon ……… and it wasn’t too bad a ride.

Both wife’s Juke and my D4 insurance needs renewing by 23rd.

Used Go Compare and after logging in, all detail was stored and the online form pre filled (from last years visit).
So just had to make a couple of adjustments and hit the “get quotes” button.

Got both cars insured fully comp at £277 Aviva & £285 Churchill (respectively) with all our requirements
e.g. hire car, legal fees, protected no claims, £250 excess (and that’ll be paid free by Go Compare).
Documents all now available (and ready to print as required).

So all in all, wasn’t as bad as expected. Wink
  
Post #228384616th Mar 2022 7:43 pm
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ianm27
 


Member Since: 02 Jun 2016
Location: Hertfordshire
Posts: 1990

England 2012 Discovery 4 3.0 SDV6 GS Auto Orkney GreyDiscovery 4

Shocked Shocked This year's quote from Hastings Direct was £20 less than last year Shocked Shocked

Checked a few other insurance companies and quotes were slightly more but still in the same region


Happy to renew with Hastings and that's the insurance sorted for another year
 Uncle Ray's spare wheel protector
Limo Tint
Blackvue front & rear dashcam
Cruise control switch pack
Bodsy's remote for FBH 
 
Post #22941002nd Jun 2022 4:22 pm
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Journeyman
 


Member Since: 27 Sep 2020
Location: Hampshire
Posts: 116

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Stornoway GreyDiscovery 3

Just renewed my insurance through A-Plan. Great service from Hannah and price the same as last year.

Happy chappie!
 Cheers,

Jez

Discovery 3 HSE Stornaway Grey
MY 2008 2.7 TDV6

Discovery 2 2003 - gone 
 
Post #229601116th Jun 2022 5:24 pm
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