nfu insurance - Page 2

(RIP) PLANK · 12-01-2011, 18:43

Quote:

Originally Posted by larson

i pay £800+ with 9 year noclaims and a clean licence, i went on confused and insurance superarket for quotes

how much

12-01-2011, 18:44

co-op cis used to be cheap when i had normal ins it didnt seem what vehicle i threw at them they charged £300 lol

tezzer · 12-01-2011, 19:28

i have just cancelled my policy and will receive approx £225 back, this company has insured my discovery td5 full comp, for me, wife and son (32) £227 for the year, they don't use your ncb, but will hold them for you in case you need them at a later date.

i got this company from a 4x4 magazine.

GRAHAM SYKES --01395 225100

OR---WWW.GRAHAM-SYKES.CO.UK

tell them tezzer sent you

macabethiel · 12-01-2011, 19:52

Just shows you how volatile the Insurance market must be I went with NFU last year on my wifes R3mR and the price was very competative and cheaper than her previous insurance with Hyperformance via Adrian Flux. Lower excess on glass cover as well !

It might be that your local NFU office is letting you down I rang the Derby Office and as they were busy my call was diverted automatically after a few rings to the Mansfield Office and the bloke was brilliant.

He rang back when he said he would and could not have worked harder for the business. Wife only had 1 years NCB having made a claim 18 months previously that was her fault so it was not going to be cheap she paid £434 in the end some £300 less than Adrian Flux could manage (Fully comp).

That why it pays to shop around every year. Did a recent renewal on my Mums car was with Direct Line now Liverpool & Victoria for £120 less for identical cover.

nellie · 12-01-2011, 20:27

Myself & partner 4yrs NCB on my 93 plate Troll, £207, Sureterm direct, only 5000 mile limit though.

Nellie.

rustic · 12-01-2011, 20:42

I will consider moving from direct line as they won't allow a second battery

I have all the bits to install one too.

Cover and price is one thing, but if you add any modifications without advising them, they may not pay out.

Some examples of modifications:
Tow bar, different tyres/wheels, decals, second battery, reversing sensors, improved brakes, spot lights, bull bar, body or suspension lift, increased power, even a K&N filter. etc

Does your insurance company allow for these?

Has anyone had insurance fail to pay out if a modification was not declared, eventhough it did not contribute in any way to the accident ?

Peasgood · 12-01-2011, 20:50

I do know someone who had their claim reduced because they hadn't declared a "No fear" sticker on their back window.
It was amongst other things like wrong alloys etc, but definitely in the letter.

(RIP) PLANK · 12-01-2011, 20:51

Quote:

Originally Posted by rustic

I will consider moving from direct line as they won't allow a second battery

I have all the bits to install one too.

Cover and price is one thing, but if you add any modifications without advising them, they may not pay out.

Some examples of modifications:
Tow bar, different tyres/wheels, decals, second battery, reversing sensors, improved brakes, spot lights, bull bar, body or suspension lift, increased power, even a K&N filter. etc

Does your insurance company allow for these?

Has anyone had insurance fail to pay out if a modification was not declared, eventhough it did not contribute in any way to the accident ?

I have never know them to not pay, but i have seen assesors, going over cars with a 'nit comb' tyre sizes and pressures, stering play, break pad thickness, Road tax etc.

I have even known them question if the stereo on a newish car was different from the original, as it is mod, even though it had nowt to do with an accident!

I suspect that, non declared mods acan void a policy and so if they want to they can us it as an excuse.

I have also seen an assesor who couldn't be bothered to get out of his car as it was raining, simpy right off a car without even seeing it! (he admited the reason!)

Bat21 · 12-01-2011, 21:14

All our cars and household insurance is with the NFU

All you guys that get so hung up about the price might be in a for a shock if ever the need for a claim arises

briggie · 12-01-2011, 21:17

i had to tell my insurance company about my " modified atf cooler " ... it didnt increase my premium , but it did incur a " administration charge " ...

tezzer · 12-01-2011, 21:55

Quote:

Originally Posted by macabethiel

Just shows you how volatile the Insurance market must be I went with NFU last year on my wifes R3mR and the price was very competative and cheaper than her previous insurance with Hyperformance via Adrian Flux. Lower excess on glass cover as well !

It might be that your local NFU office is letting you down I rang the Derby Office and as they were busy my call was diverted automatically after a few rings to the Mansfield Office and the bloke was brilliant.

He rang back when he said he would and could not have worked harder for the business. Wife only had 1 years NCB having made a claim 18 months previously that was her fault so it was not going to be cheap she paid £434 in the end some £300 less than Adrian Flux could manage (Fully comp).

That why it pays to shop around every year. Did a recent renewal on my Mums car was with Direct Line now Liverpool & Victoria for £120 less for identical cover.

i did ask where their office was and the reply was Scotland, don't know what area,

Adz · 12-01-2011, 21:58

Lynn's with them from Feb on the Pajero for £304 with green laning

My Dirty Frog all declared mods / green lane £295

(RIP) PLANK · 12-01-2011, 23:27

Quote:

Originally Posted by Bat21

All our cars and household insurance is with the NFU

All you guys that get so hung up about the price might be in a for a shock if ever the need for a claim arises

my old broker said that when i found and online policy for half his price, I recently had reason to contact their claims depatrtment and expected a load of bother, calling a call centre in the middle of the desert etc.

but to be honest it was the smoothest contact with an insurance company i have ever made

larson · 12-01-2011, 23:37

Quote:

Originally Posted by PLANK

how much

my post code spoils it for me as im on a high risk council estate. its nolonger got a lot of stolen cars but it was once rife....

jonno · 13-01-2011, 20:38

just had my renewal through from aa and its gone up £300 to £750 fully comp

tried the comparison sites lowest i get with the same level of cover as last year is £550 so thats £100 increase
thought it would have at least stayed about the same now i just hit 30 and have 10 years ncb and a clean licence

tried nfu they wanted £786 with free breakdown cover

gonna try adrianflux tomoz

12-01-2011, 19:28	#18
tezzer Senior Member Join Date: Nov 2008 Location: basildon essex Vehicle: transit camper van 1987 Posts: 2,829	insurance i have just cancelled my policy and will receive approx £225 back, this company has insured my discovery td5 full comp, for me, wife and son (32) £227 for the year, they don't use your ncb, but will hold them for you in case you need them at a later date. i got this company from a 4x4 magazine. GRAHAM SYKES --01395 225100 OR---WWW.GRAHAM-SYKES.CO.UK tell them tezzer sent you

12-01-2011, 19:52	#19
macabethiel Senior Member Join Date: Aug 2008 Location: Derby Vehicle: Freelander & Jeep GC 3.0 Posts: 4,416	N.F.U. insurance Just shows you how volatile the Insurance market must be I went with NFU last year on my wifes R3mR and the price was very competative and cheaper than her previous insurance with Hyperformance via Adrian Flux. Lower excess on glass cover as well ! It might be that your local NFU office is letting you down I rang the Derby Office and as they were busy my call was diverted automatically after a few rings to the Mansfield Office and the bloke was brilliant. He rang back when he said he would and could not have worked harder for the business. Wife only had 1 years NCB having made a claim 18 months previously that was her fault so it was not going to be cheap she paid £434 in the end some £300 less than Adrian Flux could manage (Fully comp). That why it pays to shop around every year. Did a recent renewal on my Mums car was with Direct Line now Liverpool & Victoria for £120 less for identical cover.

12-01-2011, 20:42	#21
rustic Senior Member Join Date: Feb 2007 Location: Staffordshire Vehicle: Maverick Mk I 2.7 TD LWB Posts: 7,825	I will consider moving from direct line as they won't allow a second battery I have all the bits to install one too. Cover and price is one thing, but if you add any modifications without advising them, they may not pay out. Some examples of modifications: Tow bar, different tyres/wheels, decals, second battery, reversing sensors, improved brakes, spot lights, bull bar, body or suspension lift, increased power, even a K&N filter. etc Does your insurance company allow for these? Has anyone had insurance fail to pay out if a modification was not declared, eventhough it did not contribute in any way to the accident ? __________________ Ford Maverick GLX 1995 2.7TD LWB in illusion silver, 98k miles. Owned since new, for 22 years. Best car I have ever owned. Just wish I could drive it more.

12-01-2011, 18:44	#17
jace Guest Posts: n/a	co-op cis used to be cheap when i had normal ins it didnt seem what vehicle i threw at them they charged £300 lol

12-01-2011, 20:27	#20
nellie Senior Member Join Date: Jan 2005 Location: east anglia Vehicle: Nissan Patrol SWB Y60,4.2 Posts: 160	Myself & partner 4yrs NCB on my 93 plate Troll, £207, Sureterm direct, only 5000 mile limit though. Nellie.

12-01-2011, 20:50	#22
Peasgood Senior Member Join Date: Jul 2010 Location: North West Vehicle: Terrano Posts: 228	I do know someone who had their claim reduced because they hadn't declared a "No fear" sticker on their back window. It was amongst other things like wrong alloys etc, but definitely in the letter.

12-01-2011, 21:14	#24
Bat21 Administrator Join Date: Feb 2007 Location: Shropshire Vehicle: Tonka Toy Posts: 1,044	All our cars and household insurance is with the NFU All you guys that get so hung up about the price might be in a for a shock if ever the need for a claim arises

12-01-2011, 21:17	#25
briggie Senior Member Join Date: Mar 2010 Location: peoples democratic republic of west yorkshire Vehicle: " alice " Posts: 10,473	i had to tell my insurance company about my " modified atf cooler " ... it didnt increase my premium , but it did incur a " administration charge " ...

12-01-2011, 21:58	#27
Adz Senior Member Join Date: May 2009 Location: Roaming Nomad Vehicle: 1995 SWB Terrano Posts: 5,370	Lynn's with them from Feb on the Pajero for £304 with green laning My Dirty Frog all declared mods / green lane £295

13-01-2011, 20:38	#30
jonno Member Join Date: Nov 2009 Location: Rotherham,Southyorkshire Vehicle: maverick Posts: 91	just had my renewal through from aa and its gone up £300 to £750 fully comp tried the comparison sites lowest i get with the same level of cover as last year is £550 so thats £100 increase thought it would have at least stayed about the same now i just hit 30 and have 10 years ncb and a clean licence tried nfu they wanted £786 with free breakdown cover gonna try adrianflux tomoz