Insurance renewal

solarman216 · 18-01-2020, 02:37

What do you lot recon, 72 year old driver third party fire and theft £308 for the year, I am happy with that but your thoughts please, Rick

macabethiel · 18-01-2020, 03:11

If you are accident & claim free I think you would get fully comprehensive for that kind of money. For older folk the gap betweenTPF&T and Fully Comprehensive is usually quite small as the main risk/payout is to the third party. I assume you have tried the main search engines? Ted

Davey Boy · 18-01-2020, 10:09

You’re right Ted.
Rick, I’m paying £269 fully comp.
Declared modifications and Response work also.
Together Insurance Brokers I’ve gone through since owning 4x4s.
Also try Modified 4x4 insurance UK
0800 6444406

macabethiel · 18-01-2020, 16:39

Last August 2019 I paid £332 for fully comprehensive on Jeep Grand Cherokee 2.7 CRD that includes UK breakdown cover & home start Zero Excess, Courtesy Car, Commuting etc. Still a little short of full NCB due to claim in 2015 when Hyundai was written off.

When I renewed there were loads around the £260-£300 mark but stayed with NFU. With NFU you get a loyalty discount that builds.

jims-terrano · 18-01-2020, 20:30

There are so many different variables with each person for each different company so it’s very difficult to make comparisons. Even the age of the vehicle can bump up the premium as well as the obvious like customer history and address. I used get really upset when people posted their prices on here because mine was through the flippin roof in comparison. Totally agree that the difference between fully comp can be negligible too. Capping the mileage can make a difference too.

I don’t think that’s bad Rick in fairness.

Davey Boy · 18-01-2020, 23:57

I cap the mileage to.

Rarche2002 · 26-01-2020, 20:05

Quote:

Originally Posted by jims-terrano

There are so many different variables with each person for each different company so it’s very difficult to make comparisons. Even the age of the vehicle can bump up the premium as well as the obvious like customer history and address. I used get really upset when people posted their prices on here because mine was through the flippin roof in comparison. Totally agree that the difference between fully comp can be negligible too. Capping the mileage can make a difference too.

I don’t think that’s bad Rick in fairness.

Mine was over 600£ so if you got it under that happy days

Sent from my iPhone using Tapatalk Pro

18-01-2020, 02:37	#1
solarman216 Off road maniac Join Date: Dec 2009 Location: Bexhill on Sea Vehicle: Y60 Patrol Me, 3 ltr Mrs Posts: 17,429	Insurance renewal What do you lot recon, 72 year old driver third party fire and theft £308 for the year, I am happy with that but your thoughts please, Rick __________________ Ex banger racer now off road maniac Lokka on the front with manual hubs Diff lock on rear 3 inch SS straight through exhaust Manly winch bumper with 13000 lb winch 10 spike ground anchor, with multiple straps and blocks Super strong body cills capped with scaffold pole 20% stronger springs all round aggressive off road tyres on wheels so just swap. Aim to get stuck and be completely self sufficient in extraction, love getting muddy, 2ft deep is good but rare.

18-01-2020, 16:39	#4
macabethiel Senior Member Join Date: Aug 2008 Location: Derby Vehicle: Freelander & Jeep GC 3.0 Posts: 4,416	I'm with NFU and they are not the cheapest but lots of extras as standard Last August 2019 I paid £332 for fully comprehensive on Jeep Grand Cherokee 2.7 CRD that includes UK breakdown cover & home start Zero Excess, Courtesy Car, Commuting etc. Still a little short of full NCB due to claim in 2015 when Hyundai was written off. When I renewed there were loads around the £260-£300 mark but stayed with NFU. With NFU you get a loyalty discount that builds.

18-01-2020, 03:11	#2
macabethiel Senior Member Join Date: Aug 2008 Location: Derby Vehicle: Freelander & Jeep GC 3.0 Posts: 4,416	If you are accident & claim free I think you would get fully comprehensive for that kind of money. For older folk the gap betweenTPF&T and Fully Comprehensive is usually quite small as the main risk/payout is to the third party. I assume you have tried the main search engines? Ted

18-01-2020, 10:09	#3
Davey Boy Senior Member Join Date: Dec 2015 Location: Dartmoor Vehicle: Patrol ZD30 SVE Posts: 960	You’re right Ted. Rick, I’m paying £269 fully comp. Declared modifications and Response work also. Together Insurance Brokers I’ve gone through since owning 4x4s. Also try Modified 4x4 insurance UK 0800 6444406

18-01-2020, 20:30	#5
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	There are so many different variables with each person for each different company so it’s very difficult to make comparisons. Even the age of the vehicle can bump up the premium as well as the obvious like customer history and address. I used get really upset when people posted their prices on here because mine was through the flippin roof in comparison. Totally agree that the difference between fully comp can be negligible too. Capping the mileage can make a difference too. I don’t think that’s bad Rick in fairness.

18-01-2020, 23:57	#6
Davey Boy Senior Member Join Date: Dec 2015 Location: Dartmoor Vehicle: Patrol ZD30 SVE Posts: 960	I cap the mileage to.