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Smarttech



Member Since: 11 Jan 2017
Location: West Sussex
Posts: 173

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Santorini Black
Insurance company recommendations

Just received my insurance renewal and it's gone up from £418 to £587 but nothing has changed with my details so think it will be time to change company's
My parents keep recommending NFU as that's who they have used for the last few years.

There are a few companies offering cheap prices on the internet but not sure I want to use a unheard of company thats mega cheap as I'm sure it would be a pain if I ever needed to claim. 2012 3.0 SDV6 Autobiography santorini black with ebony/cirrus interior.

Post #544361 Sat Dec 30 2017 9:20am
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Tim in Scotland



Member Since: 30 May 2005
Location: Driving along in my automobile
Posts: 15918

2013 Range Rover Sport SDV6 HSE Stornoway Grey

I moved my Defender insurance from Land Rover Insurance (who are actually now nothing to do with Land Rover) this year when my premium doubled to over£900. I called them and it was “a mistake, sir, your renewal is now £400” which made me wonder how many people might just have coughed up. After almost 20myears of being insured by them it made me shop around and NFU quoted me £295 on an agreed value and 5,000 miles pa. I asked about offroad use and as my postcode is a farm I was told that offroad use was included in all policies for farm vehicles............. also my Defender is modified from a van to a station wagon- no additional premium 2018 Melting Silver Mini Countryman PHEV on order for April delivery, bye bye Land Rover after 21 years and 11 LR products..... all because you won’t give me reassurance that should my SDv6 crankshaft break because of a design fault, not MY fault, but the engine builders fault - it will be replaced for free.
2015MY Corris Grey SDv6 HSE Dynamic, but not for much longer........
Also in my garage is a 1996 TDi300 Defender 90 County HT made into a fake CSW

Post #544362 Sat Dec 30 2017 9:33am
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Smarttech



Member Since: 11 Jan 2017
Location: West Sussex
Posts: 173

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Santorini Black

Will give the local NFU office a call and see what they can do.
Just had a quick look on the comparison sites and they all come up with prices starting in the £700 range.

Car value has dropped, I'm older and nothing else has changed so why is everyone wanting £300 + more than last year ?

Is this the start of thing where diesels cost more to insure and run to push you back to a petrol ! 2012 3.0 SDV6 Autobiography santorini black with ebony/cirrus interior.

Post #544363 Sat Dec 30 2017 9:43am
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Tim in Scotland



Member Since: 30 May 2005
Location: Driving along in my automobile
Posts: 15918

2013 Range Rover Sport SDV6 HSE Stornoway Grey

No it isn’t that, it is the cost of claims to repair cars fitted with exotic trinkets like cameras in the bumpers, grilles and wing mirrors that cost a fortune to replace. Adaptive and LED lights also are very expensive to replace, also Land Rover car premiums have been hiked because they are still too easy to steal. The whole idea of insurance is that many pay for the misfortune of the few. I have only ever had one insurance claim for a car repair in 30+ years of driving yet I get hammered for others accidents......... also remember that the number of teenagers learning to drive has fallen drastically so that market is drying up for the insurers. 2018 Melting Silver Mini Countryman PHEV on order for April delivery, bye bye Land Rover after 21 years and 11 LR products..... all because you won’t give me reassurance that should my SDv6 crankshaft break because of a design fault, not MY fault, but the engine builders fault - it will be replaced for free.
2015MY Corris Grey SDv6 HSE Dynamic, but not for much longer........
Also in my garage is a 1996 TDi300 Defender 90 County HT made into a fake CSW

Post #544365 Sat Dec 30 2017 9:49am
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Pufftmw



Member Since: 23 May 2012
Location: London
Posts: 520

United Kingdom 2007 Range Rover Sport TDV6 HSE Stornoway Grey

Another vote for NFU.

My (admittedly) London based insurance with Churchill went up by 1/3 this year but I bought a second car for motorway bashing, used all my NCB on that, moved RRS to Wales and took out a new policy with NFU - £400 inc business & off-road, with winch etc fully declared. NCB would have brought that down obviously

Post #544372 Sat Dec 30 2017 11:34am
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Smarttech



Member Since: 11 Jan 2017
Location: West Sussex
Posts: 173

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Santorini Black

Will get the phone number off my dad and give NFU a try on Tuesday as I'm sure they will not be open today. 2012 3.0 SDV6 Autobiography santorini black with ebony/cirrus interior.

Post #544373 Sat Dec 30 2017 11:42am
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Tim in Scotland



Member Since: 30 May 2005
Location: Driving along in my automobile
Posts: 15918

2013 Range Rover Sport SDV6 HSE Stornoway Grey

Just google them which will give you all the info and the address of your local office 2018 Melting Silver Mini Countryman PHEV on order for April delivery, bye bye Land Rover after 21 years and 11 LR products..... all because you won’t give me reassurance that should my SDv6 crankshaft break because of a design fault, not MY fault, but the engine builders fault - it will be replaced for free.
2015MY Corris Grey SDv6 HSE Dynamic, but not for much longer........
Also in my garage is a 1996 TDi300 Defender 90 County HT made into a fake CSW

Post #544378 Sat Dec 30 2017 12:06pm
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Smarttech



Member Since: 11 Jan 2017
Location: West Sussex
Posts: 173

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Santorini Black

Had my quote from the NFU and its £400 more than my renewal quote so don't think I will be using that at £950.

Not sure what has changed as my details are the same but renewal quote is £200 more than last years price. 2012 3.0 SDV6 Autobiography santorini black with ebony/cirrus interior.

Post #544585 Tue Jan 02 2018 2:07pm
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npinks
Site Moderator


Member Since: 26 Nov 2007
Location: Watching
Posts: 6602

United Kingdom 

i used forum sponsors A-Plan, after the old insurance company quoted very high, unfortunately LRI didn't say it was a mistake and still wanted over £300 more than A-Plan

So off i went and saved me money, though they wasn't as good with the wifes car when that came up

Post #544588 Tue Jan 02 2018 2:28pm
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riverblanche



Member Since: 11 Jun 2011
Location: Retford'ish
Posts: 453

United Kingdom 

Hi,
Sadly it seems you really need to have a ring around or tinternet Every year just to make sure what you are going to pay is a Fair price Yawn

A plan always worth a try Thumbs Up

Had also looked at NFU previous years and way to much, but this (last) year they were a good price and Cover so first time with them

Thumbs Up Corris HSE Dynamic 2016

Always pick up stick in the middle !!

Post #544590 Tue Jan 02 2018 3:22pm
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nigel52



Member Since: 20 Nov 2013
Location: Farnham
Posts: 271

United Kingdom 2011 Range Rover Sport 3.0 TDV6 HSE Stornoway Grey

Another big advantage with NFU is Free European cover with unlimited time in Europe. The only other that I could find that does this is SAGA but they were more expensive. NFU seem to like 4x4s and also include trailers. Current Merc GLE 3.5d 2016 model, 2011 RRS HSE standard
Previous 2012 FL2 liked but boot too small
Previous to LR's 3 x Merc E320 estates - fantastic load carriers and long distance cruisers, ultra reliable. Only changed as needed a 4x4 high tow vehicle. Did have a 1955 early LR drop down windscreen and fuel tank under the drivers seat; again very reliable and super rugged.

Post #544611 Tue Jan 02 2018 6:57pm
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Smarttech



Member Since: 11 Jan 2017
Location: West Sussex
Posts: 173

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Santorini Black

Insurance now all sorted Thumbs Up
Went on to the website of my current insurers and entered my details for a quote and it came back £50 more than last year which was still £140 cheaper than to renewal price they had sent me so took the quote and paid for it straight away despite not being due for just over 2 weeks as it was still half what most other companies had been quoting me.

Don't understand it myself as my details haven't changed but almost everyone I tried was double what I paid last year so have no idea how they work out insurance prices. 2012 3.0 SDV6 Autobiography santorini black with ebony/cirrus interior.

Post #544637 Wed Jan 03 2018 7:26am
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Bill Portland



Member Since: 01 Feb 2017
Location: Dorsetshire
Posts: 235

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Orkney Grey

Who's that with, Smarttech? Merc C220 estate Sport AMG
Merc C220 estate Sport AMG 125 year edition
Alfa GT
Rover 76 V6

Post #544638 Wed Jan 03 2018 7:34am
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Smarttech



Member Since: 11 Jan 2017
Location: West Sussex
Posts: 173

United Kingdom 2012 Range Rover Sport SDV6 Autobiography Santorini Black

Hastings direct is the insurance company! 2012 3.0 SDV6 Autobiography santorini black with ebony/cirrus interior.

Post #544641 Wed Jan 03 2018 8:10am
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Eaters



Member Since: 11 Apr 2016
Location: East Sussex
Posts: 645

United Kingdom 2008 Range Rover Sport TDV8 HSE Zermatt Silver

Smarttech wrote:
Insurance now all sorted Thumbs Up
Went on to the website of my current insurers and entered my details for a quote and it came back £50 more than last year which was still £140 cheaper than to renewal price they had sent me so took the quote and paid for it straight away despite not being due for just over 2 weeks as it was still half what most other companies had been quoting me.

Don't understand it myself as my details haven't changed but almost everyone I tried was double what I paid last year so have no idea how they work out insurance prices.


Often the business model requires them to get new customers. So there’s a marketing budget to help reduce the quote. Once you’re with them they know that some will leave for other insurers after a year but some won’t. That’s where they make their money. Robin
2008 Range Rover Sport TDV8
Awaiting rebuild: NGTF
Gone:
Jaguar S-Type V8 4.2 Sport
MGZTT 190 2.5

Post #544648 Wed Jan 03 2018 10:26am
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