noizeman
Member Since: 14 Oct 2006
Location: Wirral
Posts: 133
 
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I'm collecting my new D3 HSE this Friday and I've just informed my insurer, Tesco, about the change. They've said they'll insure the new vehicle at the same reasonable premium, £850, as my current car (Volvo S80 T6) but they say they won't insure for theft unless I fit a tracker and they won't insure the D3 for "4x4 off-road events"!
So I then rang NFU mutual (on the recommendation of my LR dealer) who asked me lots of questions about my past driving record (I have six points) and any claims in the last five years. I told them I'd had one claim a couple of years ago for 'malicious damage' (i.e. vandalism) to a previous car, a T5, which happened while staying at a hotel away from home.
NFU rang me back later today to tell me that they were refusing to insure me because a) I would be keeping the D3 on my drive and not in a garage b) because of my previous claim for the vandalism and c) because I live in Merseyside. My six points were not relevant, apparently.
I suppose the moral of this story is: Don't make any claims on your NFU policy as you will be considered a 'risk' and therefore become uninsurable!
So it's going to cost me another £1000 or so for the bloody tracker!
Regards,
Noizeman
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 20th Dec 2006 1:07 am |
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Gareth
Site Moderator
Member Since: 07 Dec 2004
Location: Bramhall
Posts: 26703
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I have had to fit a Tracker too, I am with NFU, and my car is on a driveway. I have no points but my wife who is named on the policy has 6 and a total loss against her. They insure me for £608, with off road cover.
Post code may have something to do with it, although I live in the car crime capital according to some!
Have you tried Land Rovers own insurance? I have heard its not the cheapest but could be the best for cover, espaecially no quible off road cover.
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| 20th Dec 2006 1:12 am |
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DG
Site Moderator
Member Since: 12 Dec 2005
Location: The Gaff
Posts: 50934
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 Have you tried any other insurers..like Land Rover Insurance for example ?? 21 year LR veteran > D2 GS 2003 > D3 S 2006 > D3 HSE 2009 > D4 HSE 2013 > D4 HSE 2015 > D5 HSE 2018 > DS HSE R-Dynamic P300e 2021
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| 20th Dec 2006 1:13 am |
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noizeman
Member Since: 14 Oct 2006
Location: Wirral
Posts: 133
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dickgriff wrote: Have you tried any other insurers..like Land Rover Insurance for example ??
I'll ring Landrover today. Thanks.
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| 20th Dec 2006 2:45 am |
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JakobVels
Member Since: 11 May 2006
Location: Copenhagen
Posts: 223
 
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noizeman wrote:
So it's going to cost me another £1000 or so for the bloody tracker!
Shop around
I cannot beleive it should be more than twice the price in UK as it is here. We have 25% VAT and prices are usually higher here compared to rest of EU.
My tracker was something like £400-500 installed with 3 year subscription to a surveillance central.
I beleive the tracker is worth it. Surveillance called me on previous occations....
Once when my battery was disconnected by the dealer.
Several occations when the dealer moved my car on a trailer when the engine was off.
Cheers
Jakob
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| 20th Dec 2006 7:33 am |
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Disco Dog
Member Since: 07 Dec 2006
Location: Chorley, Lancashire
Posts: 149
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Just had a tracker fitted to my G4. I believe the one to go for is Trackstar, it's about the cheapest on the market and it is one of the few that the Police are hooked into. Cost about £800 including a duration ov vehicle ownewship subscription.
Uses GPS tracking, keep away from the ones that use a Mobile signal, my dealer told me they are next to useless.
BTW it saved me the magnificent sum of £60 per year with Land Rover insurance.
PM/e-mail me if you want more details.
John 2006 G4 Challenge Support Vehicle
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| 20th Dec 2006 8:44 am |
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JakobVels
Member Since: 11 May 2006
Location: Copenhagen
Posts: 223
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Disco Dog wrote:
Uses GPS tracking, keep away from the ones that use a Mobile signal, my dealer told me they are next to useless.
Mine has both....
The gps locator used to accurately pinpoint the location. Moblie connection is used to query the device or send alarms, but also as a backup to locte the car when gps signal does not reach the car.
Cheers
Jakob
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| 20th Dec 2006 10:13 am |
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oliver77
Member Since: 23 Jun 2006
Location: Mid Wales
Posts: 398
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Have Land Rover Watch fitted instead. Better than tracker and insurers will give you more discount
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| 20th Dec 2006 10:18 am |
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Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
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I would imagine it is the damage bit that is concerning them with the car not garaged (I know it didn't happen at home) combined with your post code for theft. I'm with NFU doing 20K miles with business use and it is just over £500, my car is kept on the drive and I don't have tracker or the like. DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S
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| 20th Dec 2006 10:23 am |
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Cliff H
Member Since: 27 Oct 2005
Location: Home of the Pork pie and Stilton
Posts: 1304
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I would try quite a few more companies, must be able to better your quotes so far surely! Zermatt silver 06 reg.
Gone but not forgotten !!!
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| 20th Dec 2006 10:28 am |
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dgrr
Member Since: 04 Apr 2006
Location: York
Posts: 212
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noizeman wrote:I'm collecting my new D3 HSE this Friday and I've just informed my insurer, Tesco, about the change. They've said they'll insure the new vehicle at the same reasonable premium, £850, as my current car (Volvo S80 T6) but they say they won't insure for theft unless I fit a tracker
Noizeman,
Try MINI cover (they will cover any car):
http://www.mini.co.uk/UK/html/finance_insu...i/home.htm
l
They have an online instant quote facility. I currently pay them a little over half what Tescos have quoted you. But all insurers are only as good as the service provided, should you need to claim - at that stage, the premiums paid become almost irrelevant. I have made 2 separate claims on my MINI cover (one was a few £000) & can certainly recommend them: not only zero hassle from start to finish, but subsequent premiums kept in check! DGRR
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| 20th Dec 2006 11:42 am |
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B16 KJR
Member Since: 10 Jul 2006
Location: Rosyth, Fife
Posts: 3005
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[quote="noizeman"]Quote:I'm collecting my new D3 HSE this Friday and I've just informed my insurer, Tesco, about the change. They've said they'll insure the new vehicle at the same reasonable premium, £850, as my current car (Volvo S80 T6) but they say they won't insure for theft unless I fit a tracker and they won't insure the D3 for "4x4 off-road events"!
WHAAAAT !! I paid £270 to insure mine and I thought that was expensive. No tracker and it sits outside in the street, it is insured for both myself and my wife to drive fully comp with protected for life NCD with MORETH>N. Try them.
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| 20th Dec 2006 11:59 am |
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TB
Member Since: 28 Feb 2006
Location: In the Black Country
Posts: 370
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Try Land Rover insurance, my RRS is insured fully comp for me and the wife including off road use and protected no claims discount. Kept on the driveway over night. No tracker required.
All in for just over £500. Arctic Frost RR Sport. TDV6 SE. Aspen Leather, Tow pack, PTI, Privacy Glass, Tasmods, Mudflaps & a RRSport umbrella in the boot.
_____________________________
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| 20th Dec 2006 4:36 pm |
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twizzle
Member Since: 23 Feb 2006
Location: near, far where ever we are
Posts: 223
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Pelyma wrote:I would imagine it is the damage bit that is concerning them with the car not garaged (I know it didn't happen at home) combined with your post code for theft. I'm with NFU doing 20K miles with business use and it is just over £500, my car is kept on the drive and I don't have tracker or the like.
I'm just down the road from Pelyma, Car on Drive 20K PA Wife and Business Use with no tracker and i'm paying the same with NFU..... i'm lovin it....
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| 20th Dec 2006 4:55 pm |
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DiscoDunc
Member Since: 08 May 2006
Location: Bristol
Posts: 16390
 
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Try Adrian Flux, they are reasonable, cover offroad and seem very flexible to modifications  Duncan
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If I'd known I was going to be so thirsty this morning I'd have drunk more beer last night.
FFRR Autobiography 4.4 SDV8 MY17
D4 HSE MY13 SOLD
FFRR 3.6 Vogue TDV8 SOLD
D4 HSE MY10 SOLD
D4 SE TECH MY15 SOLD
D4 XS MY12 SOLD
D4 HSE MY10 SOLD
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| 20th Dec 2006 5:04 pm |
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