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Vehicle Insurance
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moorman
 


Member Since: 05 Jul 2009
Location: East Anglia
Posts: 276

Wales 2008 Discovery 3 TDV6 SE Auto Zermatt SilverDiscovery 3
Vehicle Insurance

Renewed my insurance in the summer and have discovered that my insurance provider is claiming that the Discovery 3 is a high performance vehicle and is loading the excess by £500 on top of the existing £350. I'm not overly impressed with this and wonder if anyone else has experienced a similar thing. I was aware that Disco 4s with keyless entry etc were going to receive heftier premiums. I find it odd that they classify my disco as high performance but say nothing about the Audi Allroad 3.0 that I own. Very odd.
  
Post #225674512th Oct 2021 7:37 pm
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rrhool
 


Member Since: 28 Aug 2014
Location: Norfolk
Posts: 4445

United Kingdom 2007 Discovery 3 TDV6 SE Manual Zermatt SilverDiscovery 3

Are you particularly young, or had insurance claims etc?
My premium is about half of yours, with £100 xs. Who do you insure with?
 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 #225674812th Oct 2021 8:19 pm
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Farmer Chalk
 


Member Since: 07 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4170

England 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

I think you will find that this is more due to the horrific theft issues with Land Rover products at present..
  
Post #225678612th Oct 2021 11:14 pm
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Farmer Chalk
 


Member Since: 07 Mar 2013
Location: Independent Republic of Kentishshire.
Posts: 4170

England 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3

Well this has finally bitten me… and a word of warning if you were thinking of buying a later JLR vehicle..

if you are considering buying a Land Rover product I would now being reconsidering.. or if you own a late one now it’s time to sell quickly before it bites you and your car is devalued to nothing…
I have been loyal to the brand for many many years and have four in the family…

I have just had my insurance renewal come through with Axa although I was already concerned reading people’s comments and having my cheapest Confused.com’s quotes come through in the last few days..

Axa previously have been brilliant at renewal time and they have always been cheaper each year than the other companies on Confused and Compare the Market etc.. hence been with them for many years..

I am 59 yrs old, a senior manager, live in Sevenoaks, with a clean licence and 20+ years no claim bonus.. last year my policy with Axa for my SVR for a 20,000 mile business use policy was £645. Today they are inviting renewal at £2420!

Whilst it’s a fantastic car can I justify this.. probably not…

Time to sell? If you were thinking of getting out you need to do it fast before values free fall…
  
Post #233170830th Mar 2023 7:17 am
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defector
 


Member Since: 23 Feb 2009
Location: Greater Manchester
Posts: 1435

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Zermatt SilverDiscovery 3

Sounds like the late 80's or early 90's (cant remember precisely) when fast Ford's like the Escorts and Sierra Cosworths became uninsurable for many and their values plummeted due to thefts.
Values dropped like a stone quickly.
  
Post #233172230th Mar 2023 11:35 am
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pjm-84
 


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

Ukraine 

Late 80s. Insurance on my GTE went from £600 to unable to obtain insurance. Had to park it up on a drive for a while until the market settled and then on to TPFT at £400
  
Post #233172530th Mar 2023 1:04 pm
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riverblanche
 


Member Since: 31 Aug 2010
Location: retford'ish
Posts: 2214

England 2008 Discovery 3 TDV6 HSE Auto Java BlackDiscovery 3

Hi,

other than it seems Farmer Chalk must be my long lost twin brother Shocked Laughing

either Sevenoaks is a rough old place or being an Undecover Secret Agent as a business loads the premium Whistle

just getting quotes for the D3. Retired and round figures getting £250 with £100 xs (AA renewal is £300)

The Cayenne's just over 1 year old now and it was £350 at renewal with £500 xs.

Every year it takes an hour or two to check other options at renewal time Rolling Eyes

Thumbs Up
 Transit! 2019
Gone D3 HSE 2008
Another Porsche Cayenne 2022
Gone Porsche Cayenne 2020
Gone RRS HSE Dynamic 2016
Gone RRS HSE LUX 2011
Gone RRS HSE 2006
Gone D3 SE 2.7 2008
gone D2 Td5 1999

I plan on living forever and so far so good !

Club DG Mclaren stuff
 
Post #233172730th Mar 2023 1:22 pm
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14129

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

My insurance for the following:

2022 New Defender D250 SE with a few minor additions
2018 Discovery Sport SE Tech
2008 Discovery 3 SE auto
2019 VW T-Cross
2007 Renault Master Campervan conversion.

All professional people, except 18 yo daughter (A-levels) who has the D3 and can only drive that car. The rest of us, 56,56 and 23 years old can drive all vehicles for business and leisure.

All vehicles kept on the road (quaint village) zero crime.

Total annual insurance for the above £8400 on multiyear with Admiral Big Cry

Renewal coming up so will see what additional pain is coming my way. Sad
 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 #233173030th Mar 2023 1:47 pm
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DigitalJunior
 


Member Since: 22 Nov 2008
Location: Cumbria
Posts: 4401

United Kingdom 

I found NFU cheapest by far (and great cover) Thumbs Up
  
Post #233177630th Mar 2023 10:30 pm
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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

riverblanche wrote:
Hi,

other than it seems Farmer Chalk must be my long lost twin brother Shocked Laughing

either Sevenoaks is a rough old place or being an Undecover Secret Agent as a business loads the premium Whistle

just getting quotes for the D3. Retired and round figures getting £250 with £100 xs (AA renewal is £300)

The Cayenne's just over 1 year old now and it was £350 at renewal with £500 xs.

Every year it takes an hour or two to check other options at renewal time Rolling Eyes

Thumbs Up



Maybe because neither a D3 nor a Cayenne are in the stolen league of the SVR?...
 Jim

2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone 
 
Post #233178230th Mar 2023 11:25 pm
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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

Moo wrote:
My insurance for the following:

2022 New Defender D250 SE with a few minor additions
2018 Discovery Sport SE Tech
2008 Discovery 3 SE auto
2019 VW T-Cross
2007 Renault Master Campervan conversion.

All professional people, except 18 yo daughter (A-levels) who has the D3 and can only drive that car. The rest of us, 56,56 and 23 years old can drive all vehicles for business and leisure.

All vehicles kept on the road (quaint village) zero crime.

Total annual insurance for the above £8400 on multiyear with Admiral Big Cry

Renewal coming up so will see what additional pain is coming my way. Sad


I bet the 23 year old adds much to the price... we had to drop our daughter off on our multi car policy until she was 26. Made a huge difference to the price...
 Jim

2014 Discovery 4 XXV SDV6 Causeway Grey
2016 Discovery 4 HSE Lux SDV6 Loire Blue - now gone 
 
Post #233178330th Mar 2023 11:27 pm
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Moo
D3 Decade 


Member Since: 13 Aug 2010
Location: Wiltshire
Posts: 14129

Ukraine 2005 Discovery 3 TDV6 S Manual Zambezi SilverDiscovery 3

It's my 18 year old daughter and her D3 that added it. She only turned 18 last week and passed her test in October. Whilst we can all drive her car fully comp, the only car she can drive is her D3. She added roughly £4400 after selling her UP! for the D3.
 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 #233178830th Mar 2023 11:40 pm
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JordsDisco
 


Member Since: 22 May 2020
Location: Newcastle
Posts: 1538

United Kingdom 2008 Discovery 3 3.0 SDV6 GS Manual Santorini BlackDiscovery 3

Shocked think I’d have kept her in the UP tbh.
  
Post #233179331st Mar 2023 5:51 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
Re: Vehicle Insurance

moorman wrote:
Renewed my insurance in the summer and have discovered that my insurance provider is claiming that the Discovery 3 is a high performance vehicle and is loading the excess by £500 on top of the existing £350. I'm not overly impressed with this and wonder if anyone else has experienced a similar thing. I was aware that Disco 4s with keyless entry etc were going to receive heftier premiums. I find it odd that they classify my disco as high performance but say nothing about the Audi Allroad 3.0 that I own. Very odd.


How much is your actual annual policy? If its more than a grand or so then you're better off scrapping comp cover and merely taking the basic third-party-only.

I've done that and self-insure the rest, therefore so long as I don't destroy the thing in three years I'm better off just putting the cash aside in premium bonds.
 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 #233179431st Mar 2023 6:57 am
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Scott #55
 


Member Since: 15 Apr 2015
Location: Glasgow
Posts: 1672

United Kingdom 2010 Discovery 4 3.0 TDV6 HSE Auto Nara BronzeDiscovery 4

Just had a letter from John Lewis Finance saying that, at the expiry of my policy at the end of the month, they won’t be renewing. No claims for many years, with nothing else changing…..

D4 is an MY2010 with circa 156k on the clock. Tesco and comparison sites suggest I’ll be paying around £400 to reinsure.
 2014 - D4 2010 HSE Nara Bronze
2012 - FL2 2009 GS Stornoway Grey
2001 - VW Passat Estate Inky Blue
1999 - Ford Mondeo Light Blue
1998 - Rover 25 Red 
 
Post #23356936th May 2023 11:23 am
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