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It's not YOU, it's ME
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Froogle-Yorkshireman
 


Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 299

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4
It's not YOU, it's ME

I guess an email renewal from Churchill at £1,860 is basically the equivalent of getting dumped by text message.

£550 last year, no incidents or material changes.

The famous advertising was the dog saying "Oh, yes"

More a case of "Oh, no!" for me.

Need to do some shopping around.
 

Last edited by Froogle-Yorkshireman on 3rd Jul 2023 9:58 pm. Edited 1 time in total 
Post #23410753rd Jul 2023 1:24 pm
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adm013
 


Member Since: 15 Nov 2015
Location: Western Isles
Posts: 25

Scotland 2015 Discovery 4 3.0 SDV6 Landmark LE Auto Santorini BlackDiscovery 4

Just had mine from the same, £850 starting figure from £440 last year. Ended up £570.....from Churchill after making a call to them. Didn't take much to wind it down a bit.

All other companies in region of £750-£1500.

Mental!!
  
Post #23410763rd Jul 2023 1:29 pm
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Realist
 


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

Wales 

Try admiral and haggle the price, they reduced mine by a few hundred pounds.
 
Why wait, just go for it and enjoy life.

Previous….
Discovery 300TDI
Range Rover Vogue
2010 Discovery 4 GS Santorini Metallic Black 
 
Post #23411274th Jul 2023 7:42 am
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NoDo$h
 


Member Since: 02 May 2006
Location: Finding new and exciting ways to milk badgers.
Posts: 19689

Ukraine 

Cost of claims has gone through the roof. The absence of apparently trivial parts in the supply chain means cars can be stored for months waiting for repair, with hire car and storage costs rapidly outweighing the value of the vehicle. This is why so many cars are being declared as written off when the damage may barely break 20% of the car, because repair is only part of the claim cost.

As an example, if you have a Freelander 2 and you get hit on the NSF causing any damage to the driveshaft, you would be in the poo. Why? Because you will struggle to find a NSF driveshaft dust seal, with no lead time from JLR on availability. Instant write-off for a £5 part.

Putin's folly continues to have a massive impact on manufacturing supply chains in all industries and there's no sign of it easing any time soon.
 I know it's not considered "kind" to say no these days, but no. Just no, ok? And if it's not ok, still no.  
Post #23411384th Jul 2023 9:19 am
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rrhool
 


Member Since: 28 Aug 2014
Location: Norfolk
Posts: 4441

United Kingdom 2007 Discovery 3 TDV6 SE Manual Zermatt SilverDiscovery 3

Makes me feel less penalised for the £600 road tax I pay! My insurance renewal this year for the D3 was in the order of £200.
 Richard


D3 SE 2007. Triumph 2.5Pi 1973. Ferguson TEA20 1948.



Discovery 2 4.0 ES 2001- Gone
Discovery 1 300Tdi ES '95 - Gone
Range Rover Classic '79 - Gone 
 
Post #23411604th Jul 2023 12:21 pm
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Froogle-Yorkshireman
 


Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 299

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Spoke to Churchill and they managed to reduce the price.

£1,820 their best and final Big Cry

Shall I cancel your auto-renewal she asked?
  
Post #23412134th Jul 2023 9:01 pm
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Farmer Chalk
 


Member Since: 07 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4169

England 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

I’d be well happy with that… mine was £650 last year for 25,000 business miles with Axa.. renewal invited at £2450..
Had to go NFU Mutual at £1500…
  
Post #23412154th Jul 2023 9:24 pm
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Froogle-Yorkshireman
 


Member Since: 28 Oct 2010
Location: Yorkshire
Posts: 299

United Kingdom 2016 Discovery 4 3.0 SDV6 Landmark LE Auto Waitomo GreyDiscovery 4

Hastings Direct has come back at £1,250

Has anyone had any experience with them?
  
Post #23412495th Jul 2023 7:36 am
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jonno1
 


Member Since: 16 Jun 2010
Location: SW London
Posts: 709

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

Would a Ghost2 make any difference to these awful premiums?
  
Post #23413315th Jul 2023 7:32 pm
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Farmer Chalk
 


Member Since: 07 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4169

England 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

Not much.. already declared that, plus 2 x trackers… they would now prefer to underwrite a 17 yr old ..it’s less risk !lol!
  
Post #23413585th Jul 2023 10:54 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

Froogle-Yorkshireman wrote:
Hastings Direct has come back at £1,250

Has anyone had any experience with them?



I've not used them for many years and never on a Disco.

Both my lads have used them for their Puntos and they were competitive .... at least to get the business, not so much at renewal although the youngest did get them to price match at his first renewal with them.

None of us had to make a claim whilst with them, which is where the cheaper outfits cut costs IMHO.

I actually switched to Direct Line a couple of years ago and they were very good on price ... but not at renewal.
  
Post #23413646th Jul 2023 6:09 am
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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

have to fess up ... my excuse is it's early and I've been thinking about lots of insurers and realised I couldn't think who I was currently with Embarassed

After several minutes of searching emails and checking some of me logins on insurance company sites, I'm with Marks & Spencer ... came in at £240 when Direct Line jumped from £245 to £311.

And the reason it took so long to find is the confirmation email contains neither the word "insurance" nor my reg number.



if you're looking for a painless experience when claiming, my eldest would warn you away from Admiral. He merged in front of a car at the end of a dual carriage way - supported by his and a following vehicle's dash-cam footage - and the car he overtook then rammed him on nearside rear quarter panel and proceeded to power through catching all the nearside panels, going up on the grass verge to complete this task.

Admiral looked at the footage, concluded it was the other guys fault, then in the final stages didn't use the evidence and went 50/50.

They also wrote his car off - only 1 panel had serious damage - and doubled his insurance premium.

He's still trying to sort it all out 3 months later.
  
Post #23413656th Jul 2023 6:37 am
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jonno1
 


Member Since: 16 Jun 2010
Location: SW London
Posts: 709

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

Farmer Chalk wrote:
Not much.. already declared that, plus 2 x trackers… they would now prefer to underwrite a 17 yr old ..it’s less risk !lol!


Thanks for that, I did think that. Ghost might reduce premiums significantly but clearly not.
  
Post #23414547th Jul 2023 9:24 am
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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

LV wouldn't give any discount for any aftermarket device on my Audi RS, however, they were very reasonable in the first place, so it wasn't an issue.


Dave
 2011 Discovery 4 Commercial SDV6 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago) 
 
Post #23414787th Jul 2023 2:27 pm
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