Jadamson Posted December 10, 2012 Share Posted December 10, 2012 Sorry if this has been asked before I'm after some advice on getting my defender 90 300tdi (97/98) insured. I've read quite a few forum posts but none are up to date. What are the best and cheapest ways to get myself insured? as a 20 year old. Van insurance/classic/standard. And with what companies are people finding cheapest for under 21. Thank in advance. Quote Link to comment Share on other sites More sharing options...
dirtyninety Posted December 10, 2012 Share Posted December 10, 2012 Im 21, so my insurance has just dropped! yay! When i was 17 my first car was a 1988 90 with a 200tdi transplant. With the engine declared my insurance was 2100 with the NFU. When i was 18 i had (aswell) a 200tdi discovery, completely standard, and the insurance was a staggering £3027 with NFU Now im 21, i realised buying old banged out motors is daft and expensive. I have a TD5 90 which costs 1100 to insure with the NFU but im insured for everything, business, towing, abroad etc etc etc. You should look into RAC insurance, they are pretty much the cheapest around, compare the market .com is your friend. My best mate insured a 200 90 at 18 for £2000 with them. When ever im doing insurance quotes, RAC always seem cheapest. I go with NFU because i know if there ever was an accident, they more often than not pay out with very little questions asked. They also quite often don't charge more for modifications. You can't get classic insurance untill your 21 with most insurers i believe. Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted December 10, 2012 Share Posted December 10, 2012 Mental prices!When I was 19 my Defender (90 hardtop) was insured with Footman James. Was about £600 if I recall correctly. Changed to Adrian Flux the year after at about £450 and now at 23 I'm paying £350 a year full comp with Flux. Unlimited mileage, and I can drive other cars third party. Quote Link to comment Share on other sites More sharing options...
landroversforever Posted December 10, 2012 Share Posted December 10, 2012 highly modified 90 here, owned since I was 19. I've just turned 22. £950 a year with adrian flux. unlimited miles too Quote Link to comment Share on other sites More sharing options...
dirtyninety Posted December 10, 2012 Share Posted December 10, 2012 hmm... i best change insurers!! Quote Link to comment Share on other sites More sharing options...
crclifford Posted December 10, 2012 Share Posted December 10, 2012 Have you thought about either going third party fire and theft or doing pass plus? This should reduce your insurance. Even if you only do TPFT for a year it shouldn't be as expensive as fully comp. Though I could be wrong as my experience is a few years (14yrs) out of date from when I was 19! HTH Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted December 10, 2012 Share Posted December 10, 2012 For me fully comp insurance is cheaper than third party fire and theft. Game of numbers I guess and it just comes out that way! I did Pass Plus right after passing my test, not sure if that has much of an effect but I quote it each time just in case Quote Link to comment Share on other sites More sharing options...
landroversforever Posted December 10, 2012 Share Posted December 10, 2012 Fully comp I think is normally cheaper now as to them it means you are more likely to be looking after the car. hmm... i best change insurers!! My first year with the 90 was £1400, and has come down nicely since then Quote Link to comment Share on other sites More sharing options...
Diesel_90 Posted December 10, 2012 Share Posted December 10, 2012 I have had my 90 insured with the NFU since I was 17 and have always found them to be helpful and sensibly priced. From reading other reports I think it depends on your local branch with the NFU, although when I was 19 they wouldn't let me put my civic type r on the same policy but I struggled with most company's with that. Quote Link to comment Share on other sites More sharing options...
Tris Cocks Posted December 11, 2012 Share Posted December 11, 2012 Try giving Academy a ring, I am only 24 and have got my 300tdi insured for £300 with everything declared and valued at £8000. http://www.academyinsurance.co.uk/ Quote Link to comment Share on other sites More sharing options...
UdderlyOffroad Posted December 12, 2012 Share Posted December 12, 2012 So obviously, use all the big comparison websites (Opera Singer, MeerkatManor, Supermarket, Tesco - using a dedicated email address), as well as the usual suspects that advertise in the back of the LR comics. Then try all the ‘young insurance specialists’ - probably a waste of time as they will see 300 Tdi as = BIG whizzy fast rocket-ship Turbo. Finally, keep an eye on Moneysavingexpert.com ‘s young drivers insurance guide for up-to-date tips. Remember that specialist/classic Land Rover insurance might not give you NCB – unless you make it clear that it’s your only car. Once you have quotes that are only bordering on extortionate, get on the phone to them and haggle, play them off against each other. Should knock your quote down a couple of hundred quid anyway. Remember you are the customer, do not appear ‘desperate’ for a decent quote, and have no hesitation in walking away. Don’t forget to limit your mileage too - a lot of people pay for 11k a year when they could get away with 7k. Don’t even bother with 3rd party only (fire+theft) – won’t save you any money these days. Finally, when you turn 21, make sure fully comp entitles you to drive other people’s cars. Good luck, let us know how you get on. Matt Quote Link to comment Share on other sites More sharing options...
Boris113 Posted December 12, 2012 Share Posted December 12, 2012 I have been with NFU on a variety of Land Rovers since I was 17 and they have always been helpful, especially when I kept ringing up to declare modifications/ask questions. Their prices may not be the cheapest but when I had a crash 3 years ago, they forked out straight away. I rang to get a quote the other day but they didn't like the idea of a galv chassis and a roll cage so I'm waiting to hear back. Adrian Flux have always given me good quotes also, usually about £150 cheaper than the NFU but when I asked a couple of years ago, they don't give 3rd party on other vehicles unless you are over 21. Quote Link to comment Share on other sites More sharing options...
Dave09 Posted December 12, 2012 Share Posted December 12, 2012 Another vote for Adrian flux. I got my 90 when I was 18 I'm now 21 and they have always been the cheapest. Get yourself a lro mag and phone the company's in the back of that and if your going to start modifying your 90 I personally wouldn't bother phoning the likes of direct line elephant ect because they don't have a clue. ( I tried explaining to them what a winch was and I had to hang up in the end) Quote Link to comment Share on other sites More sharing options...
simonr Posted December 12, 2012 Share Posted December 12, 2012 When I was young (I vaguely remember that!) I had an ex-military (RAF) Series 2 which was insured through A C Miles as a classic Military Vehicle. IIRC I had limited mileage at about 10k and it cost me £69 fully comp - where I'd been quoted over £500 everywhere else for third party only. IIRC it had to be over 25 years old too - but these days that gets you quite a modern vehicle. The only negative is you didn't accumulate any no-claims - but these days, I think NCD is a scam and doesn't exist! To the extent that many quotes for my 110 were lower without NCD than with 10 years protected - as without it they offered a 'new policy discount' instead! Might be worth a look for something like that, even if it means swapping vehicle! Quote Link to comment Share on other sites More sharing options...
JST Posted December 12, 2012 Share Posted December 12, 2012 interesting point Si, i have just changed provider having been with the NFU for 15years or so with several 6 policies it seems they didnt want my business any more. i digress, moving to a new company with no no claims was cheaper than having 6+ yrs.! i now run a fleet policy which was the same price as what the NFU wanted for the 110 alone on reflection i haven't just changed i changed 12mths ago, time just went quick that all! Quote Link to comment Share on other sites More sharing options...
UdderlyOffroad Posted December 12, 2012 Share Posted December 12, 2012 The only negative is you didn't accumulate any no-claims - but these days, I think NCD is a scam and doesn't exist! To the extent that many quotes for my 110 were lower without NCD than with 10 years protected - as without it they offered a 'new policy discount' instead! True, but I think it's still quite relevant to young drivers and what they pay. A couple of years insurances with NCD will result in a drastically reduced premium, insurance with an accident and no NCD not so much... As stated, this is a must-read..... Quote Link to comment Share on other sites More sharing options...
cackshifter Posted December 12, 2012 Share Posted December 12, 2012 Sometimes worth adding an oldish yet careful driving old f**t to your policy as named driver, provided they can be reasonably plausibly added as potential drivers, eg father mother etc. Does bring premiums down Quote Link to comment Share on other sites More sharing options...
Boris113 Posted December 12, 2012 Share Posted December 12, 2012 Sometimes worth adding an oldish yet careful driving old f**t to your policy as named driver, provided they can be reasonably plausibly added as potential drivers, eg father mother etc. Does bring premiums down Adding mum or dad as a named driver knocked about £120 off mine Quote Link to comment Share on other sites More sharing options...
landroversforever Posted December 12, 2012 Share Posted December 12, 2012 Sometimes worth adding an oldish yet careful driving old f**t to your policy as named driver, provided they can be reasonably plausibly added as potential drivers, eg father mother etc. Does bring premiums down When I bought my 90, at 19... Adding both my parents saved me £400 on my policy! More than they were paying for their two cars combined!! Quote Link to comment Share on other sites More sharing options...
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