That time of the year again, Insurance!

Lazy-Ferret · 21-05-2015, 13:19

Had a nice surprise, as got it fully comp, with every mod mentioned (That was a fun and long conversation), and still saved nearly £200 on last years premium, so £435 this year.

I found out a few things over the last month which did worry me a bit about getting a quote this year, as I knew there were a few things that I had fitted, that were not listed on the current insurance, as they charge me £15 for every amendment and I decided to wait until the renewal, so things like the extra gauges, stickers, and add ons like the bonnet and boot spoiler were not listed.

This year, it seem that the insurance companies have cracked down on extra stickers on vehicles, and some companies have been refusing to insure cars with non-factory stickers. A Landrover owner, who had just the pretty standard "One Life" sticker in our 4x4 response group, was told that they would have to remove it, or the company could not insure them, but luckily for them, it then transpired that they are allowing stickers on the glass as long as you inform them, but nothing on the body panels.

I did discovered that being a member of this club, and also being a 4x4Responder actually lowered my insurance cost, and making a point to tell them about the fact the T2 has a Factory fitted NATS system also knocked a bit more off, so telling them everything is not always bad.

bry · 21-05-2015, 16:14

Just paid my insurance. Fully comp,a few mods. £310. Initial quote was over £420.Told them to shove it.Went on one of the compare sites to get my new quote with the same company.So loyalty does not pay off.I am now a new customer with my existing provider..

Paff · 21-05-2015, 16:36

Are we allowed to mention insurance companies so we know where to go? Mine is due next month.

Fez_uk · 21-05-2015, 16:47

Quote:

Originally Posted by Paff

Are we allowed to mention insurance companies so we know where to go? Mine is due next month.

Why wouldn't we be allowed?

Fez_uk · 21-05-2015, 16:48

Quote:

Originally Posted by bry

Just paid my insurance. Fully comp,a few mods. £310. Initial quote was over £420.Told them to shove it.Went on one of the compare sites to get my new quote with the same company.So loyalty does not pay off.I am now a new customer with my existing provider..

I do something similar but I get a quote off one of the comparison sites then ask my current insurer (Adrian flux) to match it which they do. Made savings every year.

Im 26 and pay 290ish for fully comp with all the extras as standard

Paff · 21-05-2015, 17:00

Quote:

Originally Posted by Fez_uk

Why wouldn't we be allowed?

Some forums don't like advertising

zippy656 · 21-05-2015, 19:59

Mine is£149. Tuff i know!

Paff · 30-05-2015, 19:04

Just got my insurance renewal through £212 comp with Churchill. Any point looking for cheaper? Where do you use?

jims-terrano · 30-05-2015, 20:18

Flipping heck, how do you manage that for as little as that.

Lazy-Ferret · 30-05-2015, 21:40

Quote:

Originally Posted by jims-terrano

Flipping heck, how do you manage that for as little as that.

What he said...

Even with 10 years protected no claims bonus, no "at fault" accidents in the past 5 years, and a clean licence, as mine had the mods, and I had the voluntary work listed, it was £576 with Elephant.

perelaar · 30-05-2015, 22:59

Here in Belgium, in my case (no accident history): >600 EUR for the legally required minimum insurance and medical costs from accidents for the driver.

So don't complain

papin · 30-05-2015, 23:08

I have to renew mine in three weeks, just went go compare and the best is Sureterm direct £209, will try to get it bellow £200

jims-terrano · 30-05-2015, 23:32

Carefull when you use compare websites. Always call the insurance company you selected and confirm all your details. They will wriggle out of paying in the event of an accident. We always call them to confirm and always had them change the quote.

bry · 31-05-2015, 00:04

I concur with Jims Teranno.I have just done exactly that.And saved over £100 as a new customer with the same company.

solarman216 · 31-05-2015, 00:59

Unfortunately insurance companies do not use what we would call straight forward logic, they base their rates on things like post code (if a post code has in history a high degree of thefts, or parked damage etc) then it can have an alarming effect on premiums, we live in such an area, but those that have visited us will know that while we have the post code we are in fact completely isolated from said normal post code area but it still has an effect on our premium so we pay around £300 each for our two cars fully comp, if we had the post code half a mile up the road it would be nearer £200 as it is well out of the vandal area, yes we have told the companies that we have a locked compound well off of the beaten track,

, they just ask is it garaged, well do not have a garage so have to say "no" I could say yes but in the event of a claim if they investigated and found we do not then we would be efectvely uninsured, this is the scam shit world we live in today, Rick

21-05-2015, 13:19	#1
Lazy-Ferret Senior Member Join Date: Jun 2012 Location: Sevenoaks, Kent Vehicle: Terrano 2.7TDi SE Touring Posts: 5,221	That time of the year again, Insurance! Had a nice surprise, as got it fully comp, with every mod mentioned (That was a fun and long conversation), and still saved nearly £200 on last years premium, so £435 this year. I found out a few things over the last month which did worry me a bit about getting a quote this year, as I knew there were a few things that I had fitted, that were not listed on the current insurance, as they charge me £15 for every amendment and I decided to wait until the renewal, so things like the extra gauges, stickers, and add ons like the bonnet and boot spoiler were not listed. This year, it seem that the insurance companies have cracked down on extra stickers on vehicles, and some companies have been refusing to insure cars with non-factory stickers. A Landrover owner, who had just the pretty standard "One Life" sticker in our 4x4 response group, was told that they would have to remove it, or the company could not insure them, but luckily for them, it then transpired that they are allowing stickers on the glass as long as you inform them, but nothing on the body panels. I did discovered that being a member of this club, and also being a 4x4Responder actually lowered my insurance cost, and making a point to tell them about the fact the T2 has a Factory fitted NATS system also knocked a bit more off, so telling them everything is not always bad.

31-05-2015, 00:59	#15
solarman216 Off road maniac Join Date: Dec 2009 Location: Bexhill on Sea Vehicle: Y60 Patrol Me, 3 ltr Mrs Posts: 17,428	Unfortunately insurance companies do not use what we would call straight forward logic, they base their rates on things like post code (if a post code has in history a high degree of thefts, or parked damage etc) then it can have an alarming effect on premiums, we live in such an area, but those that have visited us will know that while we have the post code we are in fact completely isolated from said normal post code area but it still has an effect on our premium so we pay around £300 each for our two cars fully comp, if we had the post code half a mile up the road it would be nearer £200 as it is well out of the vandal area, yes we have told the companies that we have a locked compound well off of the beaten track, , they just ask is it garaged, well do not have a garage so have to say "no" I could say yes but in the event of a claim if they investigated and found we do not then we would be efectvely uninsured, this is the scam shit world we live in today, 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.

21-05-2015, 16:14	#2
bry Senior Member Join Date: May 2013 Location: South Yorkshire.. Vehicle: Nissan Terrano MK 2 SE Posts: 1,757	Just paid my insurance. Fully comp,a few mods. £310. Initial quote was over £420.Told them to shove it.Went on one of the compare sites to get my new quote with the same company.So loyalty does not pay off.I am now a new customer with my existing provider..

21-05-2015, 16:36	#3
Paff Senior Member Join Date: Apr 2014 Location: Just north of Ipswich, Suffolk Vehicle: Terrano II 2.7 SE+ Auto Posts: 1,094	Are we allowed to mention insurance companies so we know where to go? Mine is due next month.

21-05-2015, 19:59	#7
zippy656 Senior Member Join Date: Aug 2008 Location: Devizes Wiltshire Vehicle: Nissan Note Ntec 1.5 Posts: 14,137	Mine is£149. Tuff i know!

30-05-2015, 19:04	#8
Paff Senior Member Join Date: Apr 2014 Location: Just north of Ipswich, Suffolk Vehicle: Terrano II 2.7 SE+ Auto Posts: 1,094	Just got my insurance renewal through £212 comp with Churchill. Any point looking for cheaper? Where do you use?

30-05-2015, 20:18	#9
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	Flipping heck, how do you manage that for as little as that.

30-05-2015, 22:59	#11
perelaar Senior Member Join Date: Sep 2014 Location: Belgium Vehicle: Terrano II 2.7TDi SWB '97 Posts: 802	Here in Belgium, in my case (no accident history): >600 EUR for the legally required minimum insurance and medical costs from accidents for the driver. So don't complain

30-05-2015, 23:08	#12
papin Member Join Date: Nov 2014 Location: shropshire Vehicle: Nissan Terrano Posts: 84	I have to renew mine in three weeks, just went go compare and the best is Sureterm direct £209, will try to get it bellow £200

30-05-2015, 23:32	#13
jims-terrano Senior Member Join Date: Sep 2004 Location: UK Posts: 12,965	Carefull when you use compare websites. Always call the insurance company you selected and confirm all your details. They will wriggle out of paying in the event of an accident. We always call them to confirm and always had them change the quote.

31-05-2015, 00:04	#14
bry Senior Member Join Date: May 2013 Location: South Yorkshire.. Vehicle: Nissan Terrano MK 2 SE Posts: 1,757	I concur with Jims Teranno.I have just done exactly that.And saved over £100 as a new customer with the same company.