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DSL
Keeper of the wheelie bin 


Member Since: 11 May 2006
Location: Travel itch scratching on pause. :-(
Posts: 69323

United Kingdom 

And by the sounds of it avoid other cars or people as those wouldn't be covered either. Third party risks would far outweigh the risk of damage to my car in my mind. Confused
   
Post #11807311st Nov 2013 1:32 pm
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DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 49763

Wales 

LRI are fully comp Thumbs Up
 18 year 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  
Post #11807401st Nov 2013 1:46 pm
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 337

United Kingdom 

Afternoon,

I have been back to our underwriters to confirm the point on 3rd party property damage on private land. They have agreed that we can use their standard private car wording rather than the off road.

The wording as follows:

Third Party Property Damage Limit
The most we will pay for property damage for
any one claim, or series of claims arising out
of any one event is £20,000,000. The most we
will pay in costs for any one property damage
claim or series of property damage claims
arising out of any one event is £5,000,000.

Which basically means they will cover you on private land for both your damage and 3rd Party damage.

Every insurance company may have different wording to this, so well worth checking.

Glad I could get this confirmed for you all.

Kind Regards

Steve
  
Post #11807811st Nov 2013 4:08 pm
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DG
Site Moderator 


Member Since: 12 Dec 2005
Location: The Gaff
Posts: 49763

Wales 

Thanks for the clarification Steve. As you may have seen from my last PM LRI have reconfirmed to me also that they provide full cover whether on or off road.

It is good to know that A-Plan Insurance are also able to offer this as in previous years site users had considerable trouble finding insurers that provide true off road cover. I will certainly be in touch for a quote at renewal time. Smile Thumbs Up
 18 year 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  
Post #11807911st Nov 2013 4:25 pm
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Gareth
Site Moderator 


Member Since: 07 Dec 2004
Location: Bramhall
Posts: 25950

United Kingdom 

I shall be calling you on Monday to see if you can help me with my Defender insurance. Thumbs Up
  
Post #11812872nd Nov 2013 7:50 pm
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LiftedDisco
 


Member Since: 10 Jun 2010
Location: Towcester
Posts: 961

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Baltic BlueDiscovery 4

Steve,

Welcome to the forum.... My post of 22nd Oct must be worth a bit of bonus when we come to renewal...

First class everyone...
 D5 Commercial - yep, gone to the dark side

D4 Commercial (2014MY) - gone
D4 Commercial SDV6 - Baltic Blue (also gone)
D1 300TDi... 2" lift, HD bumpers (both), detachable tow hitch, 9,500lb winch, 235/85/16 muds and plenty of other toys (gone to make way for the next toy...)

In the process of building - Tornado Motorsports caged Evo 3... 100" Defender look-alike, with Range Rover running gear! 
 
Post #11813282nd Nov 2013 9:23 pm
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 337

United Kingdom 

Thanks again for the positive feedback Smile

Hope we can look after all of you!

Steve
  
Post #11813822nd Nov 2013 11:15 pm
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Chris1969
 


Member Since: 21 Jun 2011
Location: North Worcestershire (not far from Redditch)
Posts: 377

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Alveston RedDiscovery 3

Good to talk earlier today Steve..... and thanks for a great quote!

Good timing as my renewal had just come through. Good to know I will be covered to travel to europe without having to pay any extra!!

Cheers,

Chris.
  
Post #11824454th Nov 2013 11:51 pm
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geoff.
 


Member Since: 24 Jan 2010
Location: West kent
Posts: 8531

England 

A-Plan Insurance wrote:
Hi,

Yes as a company we look after motor trade too, give me a call and I can take your details and get one of our commercial specialists to give you a quote.

Look forward to hearing from you,

Steve


steve

ive had no call back Whistle

and as mine runs out in 4 days i will stick with my current insurers , maybe next time Thumbs Up
  
Post #118929418th Nov 2013 9:34 am
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DiskoStew
 


Member Since: 15 Apr 2013
Location: Location: Location:
Posts: 650

United Kingdom 2005 Discovery 3 TDV6 SE Manual Zambezi SilverDiscovery 3

Hello Steve - could you confirm who the underwriter is for these policies?

Cheers,

Darren
  
Post #118930018th Nov 2013 10:02 am
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chud
 


Member Since: 05 Oct 2013
Location: Dorset
Posts: 72

England 2006 Discovery 3 TDV6 S Manual Barolo BlackDiscovery 3

I've insured with A-Plan for 6 years now both domestically and for business and can't fault service from Bournemouth branch.
  
Post #118946718th Nov 2013 6:38 pm
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Russell
 


Member Since: 24 Aug 2007
Location: Kent
Posts: 10385

United Kingdom 

Just got a quote and changed to A plan for my house insurance, rang and asked for a quote and was given a very competative quote with better cover than I have now. The service and responce was excellent and I am well impressed so far. Will look at the car insurance when it is due next year. Thumbs Up Thumbs Up
 MY17 D5 1st Edition Namib Orange
MY15 D4 HSE Kaikoura Stone
MY12 D4 HSE Nara Bronze Sold and gone
MY11 D4 HSE Stornaway Grey Sold and gone
D3 S spec Silver Sold and gone
Tow bar, full length roof bars, side steps, tow bar storage unit, surround camers.
D4 camera club 
 
Post #118959318th Nov 2013 9:51 pm
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 337

United Kingdom 

DiskoStew wrote:
Hello Steve - could you confirm who the underwriter is for these policies?

Cheers,

Darren


Hi Darren,

We have a number of different underwriters, depending on the risk profile location age etc.

The main ones we use for 4x4 includes, Axa, Liverpool Victoria, Highway, Service, Markerstudy, Aviva and groupama.

We lean towards service and markerstudy if lots of modifications are involved as these insurers are more flexible and will also replace on a like for like basis.

Hope this helps

Steve
  
Post #118978319th Nov 2013 11:29 am
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DurtyDisco
 


Member Since: 10 Dec 2012
Location: Northamptonshire
Posts: 500

United Kingdom 2008 Discovery 3 TDV6 HSE Auto Tangiers OrangeDiscovery 3
G4 Insurance Cover

Hi Steve,

An you shed any light on whether your underwriters would class a Discovery 3 G4 Vehicle as modified or not as it came from the factory with extras fitted "as standard" such as:

Raised Air Intake, rear ladder, expedition roofrack, 4 x hella LED/Xenon roof lights, LR winch bumper, warn winch, underbody armour, MTR tyres

The reason I ask the question is that most insurers I speak to class these as aftermarket mods, rather than standard fitment.
 G4OC Secretary
N44RT Callsign NH89 
 
Post #118978819th Nov 2013 11:43 am
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A-Plan Insurance
Site Sponsor 


Member Since: 30 Oct 2013
Location: United Kingdom
Posts: 337

United Kingdom 

Hi, The G4 always raises a few questions!


All vehicles are rated on an "ABI" code. The code gives the insurers the correct vehicle model so they can rate correctly.

The G4 has its own ABI code and the specification is standard. The only time this "Should" need to be referred is if any further modifications have been made to the G4 Spec.

We see and hear about all sorts of problems insuring G4s and the like due to not all insurers understand the model and rate on a standard disco spec and have not used the correct ABI code.

If your policy document states G4 then it should all be insured correctly if no further changes have been made.

Best bet is to speak to a specialist broker, such as us and all will be covered correctly.

I hope this helps

Steve
  
Post #118981619th Nov 2013 12:50 pm
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