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Land Rovers are harder to insure than ever
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Oxford-boy
 


Member Since: 07 Sep 2015
Location: Oxford
Posts: 1085

United Kingdom 2014 Discovery 4 3.0 SDV6 XXV LE Auto Causeway GreyDiscovery 4

I've a long list of modifications accepted by NFU...
 Jim

2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone 
 
Post #235380822nd Nov 2023 11:40 pm
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14128

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

Interestingly Admiral all of accepted mine even though they couldn't tick the box. They just added it to the notes. Confused
 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 #235380922nd Nov 2023 11:44 pm
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RRUK
Site Supporter 


Member Since: 16 Aug 2005
Location: UK
Posts: 665

United Kingdom 2016 Discovery 4 3.0 SDV6 HSE Auto Santorini BlackDiscovery 4

I’ve not even mentioned any mods. Not that they are huge but an extra light on the front.

I don’t get why others can get a cheap policy and some of us can’t even get a quote.
 1998 Defender 110 TUM HS FFR Hard Top XD WOLF

2016 Discovery 4 HSE

1982 Series 3 2.25 Petrol Hard top- Oscar, as featured in Classic Land Rover Magazine for 7 months 
 
Post #235381623rd Nov 2023 7:47 am
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Worms
 


Member Since: 24 Sep 2023
Location: Highlands
Posts: 321

Scotland 2005 Discovery 3 TDV6 Base 7 Seat Auto Zambezi SilverDiscovery 3

Swapping vehicles mid year from FL2 to D3, Direct Line were a straight "No" for me if there were any modifications whatsoever. They quoted £650 for no modifications but even the raised air intake was a No. RAC accepted raised air intake and wheel spacers for about £550, so a win there!
 Previously:
2010 FL2 TD4e GS
‘93 Defender 110 200TDi CSW - still got this, non-runner on SORN.
‘87 Defender 90 4 cyl Petrol
‘83 110 CSW V8 - best ever!
Range Rover 2-door V8 (not sure of year - 4-speed box and vacuum diff switch)
Series III SWB Diesel 
 
Post #235381723rd Nov 2023 7:51 am
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DIY Ace
 


Member Since: 06 Feb 2019
Location: Hampshire
Posts: 965

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Bonatti GreyDiscovery 3

Modifications are a contentious issue when I discuss it with pals. Some declare, some don't. Personally I've always declared then as I cannot face the idea of a forensic mechanic ripping the car apart in the event of a fatal accident. The idea of an insurance company not paying out because I didn't declare a roof rack, or the wheel spacers, is wholly scary.
 2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)

https://youtube.com/channel/UCO_u_0D45x9KGfiNstzLJnw 
 
Post #235383723rd Nov 2023 11:32 am
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pjm-84
 


Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2514

Ukraine 

Its an odd one. If its fitted to the car by the manufacturer some insurance companies are not interested. So the BMW has a sky lounge, comfort pack, parking assist, comfort seats and tinted rear windows. Would the fact that it has the optional sunroof or heated and cooled cup holders be responsible for a crash and therefore allow the insurance to null and void the policy?

I have a Thule roof rack for the Volvo. When I put it on....do I have to ring the insurance to make the change...and then again when I take it off?

Personally wouldn't touch wheel spacers.
  
Post #235384523rd Nov 2023 1:04 pm
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Realist
 


Member Since: 21 Mar 2016
Location: South Wales
Posts: 357

Wales 

I’m with Admiral and insure my D4 and a DS3 and pay £750 a year full comp.
 
Why wait, just go for it and enjoy life.

Previous….
Discovery 300TDI
Range Rover Vogue
2010 Discovery 4 GS Santorini Metallic Black 
 
Post #235384623rd Nov 2023 1:07 pm
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RogB
 


Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1684

United Kingdom 

pjm-84 wrote:
Its an odd one. If its fitted to the car by the manufacturer some insurance companies are not interested. So the BMW has a sky lounge, comfort pack, parking assist, comfort seats and tinted rear windows. Would the fact that it has the optional sunroof or heated and cooled cup holders be responsible for a crash and therefore allow the insurance to null and void the policy?

I have a Thule roof rack for the Volvo. When I put it on....do I have to ring the insurance to make the change...and then again when I take it off?

Personally wouldn't touch wheel spacers.


There was a time when insurers were bumping up premiums for having stickers in your windows Thud
 2011 D4 XS 305 MY12 - gone but not forgotten  
Post #235384723rd Nov 2023 1:10 pm
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pjm-84
 


Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2514

Ukraine 

Someone suggested LV for insuring my VW California and they wanted to know every extra.

I went through it in fine detail over the next 20min. Increased the price so that it was more expensive than my current renewal so its was a no.
  
Post #235384923rd Nov 2023 1:20 pm
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DIY Ace
 


Member Since: 06 Feb 2019
Location: Hampshire
Posts: 965

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Bonatti GreyDiscovery 3

Factory options or manufacturer OEM parts seem not to be an issue on insurance, but certainly things like roof racks, wheels, engine mods, all either add to the appeal of it being stolen or in the case of engine mods, makes it a more powerful machine than when first sold.

The questionnaire on CompareTheMarket even has options for different model badges being put on.

Ultimately I just want to be able to do whatever I like to the car (I'm putting in a camper bed setup eg) without worrying that I will be uninsured should the worst happen.
 2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)

https://youtube.com/channel/UCO_u_0D45x9KGfiNstzLJnw 
 
Post #235385223rd Nov 2023 2:10 pm
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RogB
 


Member Since: 15 Jun 2018
Location: Mansfield
Posts: 1684

United Kingdom 

Knowing insurance companies these days they will refuse to pay out as it wasn't designed to be slept in so your not using it as the manufacturer intended.
 2011 D4 XS 305 MY12 - gone but not forgotten  
Post #235385623rd Nov 2023 2:35 pm
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DIY Ace
 


Member Since: 06 Feb 2019
Location: Hampshire
Posts: 965

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Bonatti GreyDiscovery 3

Click image to enlarge
 2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)

https://youtube.com/channel/UCO_u_0D45x9KGfiNstzLJnw 
 
Post #235385823rd Nov 2023 2:58 pm
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DIY Ace
 


Member Since: 06 Feb 2019
Location: Hampshire
Posts: 965

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Bonatti GreyDiscovery 3

That's from Admiral's quote screen.
 2022 BMW i4 M50. Bought Oct 2022. 10,200 miles and counting...
2014 BMW 435d convertible. Bought July 2021. 58,000 miles and counting...
2005 Discovery 3 HSE Auto. Bought Feb 2019. 169,000 miles and counting...
2009 Freelander 2 XS Manual. Bought Sep 2013. SOLD Aug 2021 (already regretted!)

https://youtube.com/channel/UCO_u_0D45x9KGfiNstzLJnw 
 
Post #235385923rd Nov 2023 2:59 pm
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Trailered Movements
 


Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200

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

I fitted Brembo 6 pots with the JLR logos, and larger LR wheels to both my RRS and D4.

I could have bought the vehicles with these already fitted, and so when the question was asked, I said 'not to my knowledge'.

Being genuine LR parts, the question of them not being up to it re quality or purpose would not stand up in court, so cannot see an issue.

They could always say brake pads that were not OE invalidated the policy, but at the end of the day, common sense would prevail, just how long it takes is another matter.

3 years and 5 months it took General Accident to accept a 'fire' claim on a car I had with an agreed value back in the 80's, but common sense did win in the end.

Insurance companies thrive on charging extra and refusing to pay out, however, at the end of the day the contract is fairly simple and the consumer is protected far more than you would think.


Dave
 2011 Discovery 4 Commercial SDV6 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago) 
 
Post #235386023rd Nov 2023 2:59 pm
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pjm-84
 


Member Since: 04 Oct 2016
Location: Hampshire
Posts: 2514

Ukraine 

I keep thinking of my bike

Crash bars, sump guard, rear carrier, exhaust, headers, datatag, foam grips, pivot pegs, camel side stand, revalved forks, booster plug, filters, rally seat, wader adapter, enlarged pegs (for MX boots), 42t, Haan Excel wheels (not yet on), Gaffer discs, fork protector, fork seal protectors / barkbusters, charger adapter, Quad lock, Camel screen bars , Puig screen, rear rack, power junction box, 12v accessory, adjustable levers.....

Price of the bike....same as a standard. Although the Excel wheels are ££££

On the plus side the stickers have been removed
 

Last edited by pjm-84 on 23rd Nov 2023 4:42 pm. Edited 1 time in total 
Post #235386923rd Nov 2023 4:08 pm
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