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Car Insurance?
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kim0785b
 


Member Since: 12 Feb 2021
Location: London
Posts: 134

United Kingdom 2015 Discovery 4 3.0 SDV6 SE Auto Santorini BlackDiscovery 4
Car Insurance?

Out of curiosity, how much are people paying for insuring a discovery 4?

Mine just been quoted £1000 - 2015 - 45k miles. 20 year clean driving license comprehensive. About £200 more than last year?
 Discovery 4
Oct 2015, 2016 build
SDV6 Santorini Black SE
New engine at 42k
Car camper 
 
Post #236002925th Jan 2024 11:49 pm
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HairyFool
 


Member Since: 04 Jan 2023
Location: Essex
Posts: 596

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto ZanzibarDiscovery 4

We only do a low mileage, most miles will be towing so went for the black box monitoring system from Hastings direct Only 2 years NCD as it is a second car.

The standard insurance was £823, the price with monitoring was £510. I don't drive differently because of it but I am concious of the D4 being 2.5 tonne so drive accordingly. The monitoring rates me at 95-100%, well within their requirements.

Only get marked down for braking but I can't do anything about idiots cutting me up. Censored

The trouble with comparing insurance costs is peoples risks vary so much. I live in a small cul-de-sac in a village with no reported crimes most months(I get the police reports). Private drive with bolted gates and camera coverage all reduce the risk compared to on street parking in a city suburb.

Huge variation of risk.
 A visitor from the dark side, my other vehicle is an MG5 EV  
Post #236003226th Jan 2024 1:04 am
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14122

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

Have a search. There have been a few threads running on this recently.
 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 #236004526th Jan 2024 10:38 am
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pjm-84
 


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

Ukraine 

One of the reasons for keeping my Volvo...£340 to insure for business use / living in a city.

Looked at the D4 V8 5.0L import last night and wondered what the insurance would be and how long before someone stole it........but lovely
  
Post #236004626th Jan 2024 10:41 am
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Mike_Pax
 


Member Since: 11 Oct 2022
Location: North Yorks
Posts: 38

United Kingdom 2010 Discovery 4 3.0 TDV6 HSE Auto Santorini BlackDiscovery 4

D4 HSE....£380 fully comp including business use and the mrs on it too. Just another benefit of living in rural North Yorkshire , that and the beautiful scenery and lovely folks Very Happy
  
Post #236005226th Jan 2024 11:49 am
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MrTed
 


Member Since: 06 Jan 2023
Location: Rickmansworth
Posts: 132

United Kingdom 2015 Discovery 4 3.0 SDV6 HSE Auto Santorini BlackDiscovery 4

D4 HSE Rickmansworth, Hertfordshire (Insurance area 'C') £1100 fully comp (+missus) social & domestic + legal costs & courtesy car. 800 years no claims.
 Discovery 4 HSE late 2015 Euro6
Jaguar XF Portfolio (PX'd for above)
Mitsubishi Galant V6 (PX'd for above)
Instagram: @mrtedgfx 
 
Post #236005326th Jan 2024 11:58 am
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ronp
 


Member Since: 29 Nov 2006
Location: North Yorkshire
Posts: 15234

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

Mike_Pax wrote:
D4 HSE....£380 fully comp including business use and the mrs on it too. Just another benefit of living in rural North Yorkshire , that and the beautiful scenery and lovely folks Very Happy


…… and yet when I moved back to North Yorkshire from Scotland, the A Plan insurance company decided to charge me an extra £75 for the 8 months remaining on my £387 policy. Rolling Eyes
  
Post #236005426th Jan 2024 12:01 pm
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pjm-84
 


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

Ukraine 

£1058 for the D4 V8 Big Cry
  
Post #236005526th Jan 2024 12:08 pm
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Hardware
 


Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 12827

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

A specialist broker - they used to be ICI's internal insurance people and I qualify as an ICI pensioner - contacted me last week to see if they can, again, be competitive. Until 3 years back, they beat all the Meerkat quotes in terms of basic price AND free extras.

So I sent off my info, including that last year's premium was £292, and got this reply this morning -

Quote:
Good Morning Dean ,

I have run through an estimated quotation for the landrover.

We would be around £1600.

Kind regards


Sad
  
Post #236005726th Jan 2024 12:19 pm
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gareth71
 


Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 572

Wales 2009 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

'09-plate D3 TDV6, 6k miles/yr, max NCD, SD&P plus class 1 business use, £245 excess (inc. £100 voluntary), near Chester - with Churchill, £286 for a year. (Considerably less than half of what A-Plan wanted to charge me for renewing an identical policy!)
  
Post #236006826th Jan 2024 3:50 pm
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MrTed
 


Member Since: 06 Jan 2023
Location: Rickmansworth
Posts: 132

United Kingdom 2015 Discovery 4 3.0 SDV6 HSE Auto Santorini BlackDiscovery 4

Am I literally paying more than anyone else in the country (Churchill)? Rolling Eyes
 Discovery 4 HSE late 2015 Euro6
Jaguar XF Portfolio (PX'd for above)
Mitsubishi Galant V6 (PX'd for above)
Instagram: @mrtedgfx 
 
Post #236007026th Jan 2024 4:04 pm
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Davethegeo
 


Member Since: 01 Oct 2015
Location: Edinburgh
Posts: 904

Scotland 2014 Discovery 4 3.0 SDV6 HSE Auto Corris GreyDiscovery 4

Just renewed 63 plate D4. SDP and commuting. Myself and wife as named drivers. Full NCD. £630 with Direct Line.
 D1 300Tdi - gone
D2 Td5 ES (Alive remapped...mmm) - sadly gone
D4 2012 SDV6 XS - Stolen
D4 2014 SDV6 HSE - Shiny


 
 
Post #236008026th Jan 2024 5:31 pm
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AdamB
 


Member Since: 18 Jan 2023
Location: Thurrock
Posts: 116

England 2010 Discovery 4 3.0 TDV6 XS Auto Stornoway GreyDiscovery 4

I paid about £600 for mine last October. The meerkat says there is one offer around that now but the rest are £1000+. My car is in the now £700odd tax bracket, it's very nice but I'm not sure I can wear a £1000+ insurance bill and the tax come October. If it stays reliable I might be able to justify it Confused
  
Post #236010026th Jan 2024 10:16 pm
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Brian Considine
 


Member Since: 05 Dec 2022
Location: Nr Margate
Posts: 281

United Kingdom 

HairyFool wrote:

Only get marked down for braking


I used to driver HGV's for a well kniown supermaket. The trucks carried a lot of telematics (& of cource a standard Tachograph) - 2 x lots of driver monitoring & CCTV. I never had an issue with this except that you were flagged "harsh braking" every time an idiot on a "device" walked out in front of you (you could not spot every potential idiot, no matter how good your hazard perception). This always resulted in an interview with a driver trainer (a qualified person who spends 99% of their time driving a desk) - pity that the telematics did not flag up on the CCTV which would save a lot of time.

As far as private cars go I don't see the point - if you brake hard it's your brakes & tyres - surly what counts is claims rather than driving style ?
  
Post #236027529th Jan 2024 12:42 pm
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gareth71
 


Member Since: 10 Apr 2016
Location: North-east Wales
Posts: 572

Wales 2009 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Brian, this sounds very much like the Lightfoot system that Tesco put into their DotCom vans when I drove for them for a while during lockdown. Used to have to drive like a granny to get anything like a decent score - was downright dangerous when needing to accelerate to join fast-flowing traffic on the A55 or M53 (a frequent occurrence). And as you say, a prompt and appropriate reaction to a sudden hazard resulted in being penalised - it seems they'd prefer you to not brake, and simply plough straight into the pedestrian while applying very gentle control inputs! Suffice to say, I spent my last week there having a bit of fun and seeing just how low I could get my score... Laughing
  
Post #236030029th Jan 2024 5:44 pm
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