Deface Posted May 22, 2009 Share Posted May 22, 2009 hello, i am 18 years of age and have got a 1992 90 200tdi with a 2" lift and getting insured seems to be a big problem, all the companies we have tried either said no to my age or the modification or the two combined, i have been insured on it before but took it off to do some work on it over a 5-6 month period and now not even that company will insure me again with no real explination. All this is with my farther on the insurance with his 7 years NCB. can anybody help me on this one? cheers Quote Link to comment Share on other sites More sharing options...
western Posted May 22, 2009 Share Posted May 22, 2009 go & talk to your nearest NFU agent local offices in your area here take proof of NCB & list of all the mods. Quote Link to comment Share on other sites More sharing options...
Deface Posted May 22, 2009 Author Share Posted May 22, 2009 i thought the nfu dont insure people under 25? Quote Link to comment Share on other sites More sharing options...
western Posted May 22, 2009 Share Posted May 22, 2009 i thought the nfu dont insure people under 25? policy woring only thing I can find about age is 17 in the above document. Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted May 22, 2009 Share Posted May 22, 2009 They don't insure those under 25 unless someone else in your family already has a policy with them. Or that's what I was told anyway, it may vary from branch to branch. OP: Try Adrian Flux, Lancaster and Footman James. Quote Link to comment Share on other sites More sharing options...
BigMac1 Posted May 22, 2009 Share Posted May 22, 2009 Have a read HERE to see how I've been getting on the past few days. It may save you some time on the phone. My advice is when you phone a company, before you give them ANY details, ask them if there's a chance they will insure an 18 year old on a modified Land Rover. Most will tell you straight away if they will or your swear filter is there for a reason in the wind. And could save you a 15 minute phone call before they tell you they can't help. Or come back in a year when you've got a years no claims. How the hell can you get a years no claims, if noone will insure you! Good luck! I'd be interested to know how you get on. Mick Quote Link to comment Share on other sites More sharing options...
dirkthe1 Posted May 22, 2009 Share Posted May 22, 2009 its carp really i paid 1300 third party when i was 19 (21 now) with no no claims on a n/a 90 un modded. really you either need to get on as a named driver on direct line on someone elses policy-although i dont like it as its cheating. or try cis as they might insure you. or post office, they were always quite good. just expect to pay 1500 ish for third party if your lucky Quote Link to comment Share on other sites More sharing options...
Cat_J Posted May 23, 2009 Share Posted May 23, 2009 Don't go with CIS, its the worse mistake i've ever made so far. NUF we're interested in under 25 either. I'm with Adrian flux, they're great. Quote Link to comment Share on other sites More sharing options...
Ben Womersley Posted May 23, 2009 Share Posted May 23, 2009 Iv just insured my 90 with mods through Lancaster, im 23 with no NCB, without the mods it was £295, with the mods including a totally different engine, its £299. Took a while on the phone, but they seem really good. Quote Link to comment Share on other sites More sharing options...
Deface Posted May 23, 2009 Author Share Posted May 23, 2009 Cheers for all the replys, looks like ive got some ringing round to do, ive tried footman james and lancaster but they dont like either my age or mods. its no wonder why so many people these days lie about the spec of their vehicle, its made so difficult and drawn out so long when your on the phone just to be told no the vehicle is to modified, i mean how much damage can 2" do anyway? Quote Link to comment Share on other sites More sharing options...
anyrandomword Posted May 26, 2009 Share Posted May 26, 2009 hi, ive been having the exact problem these last few weeks, im 17 and been trying to find insurance on a TD5. the main problem ive had is most insurance companies see it as being over 125hp and so wont even touch me till im over 25, but it doesnt sound like you'll have this problem. in the end ive managed to get the NFU to cover me for £800. thats with my mum as the policy owner (years of NCB) and its an over 25's policy + me on the side! we had to meet with the branch manager and make alot of fuss to get it that low, also we've been good customers for years. i would recomend trying Quinn though as they've insured a friend on a similar model to you for about £800 Quote Link to comment Share on other sites More sharing options...
dirkthe1 Posted May 26, 2009 Share Posted May 26, 2009 not wanting to open a can of worms here but as someone who never had a policy to ride on the back of i find this whole thing of going as a named driver with your mum quite annoying-i note i said it earlier but the more i think about it i disagree with what i said. for years young people have always jumped on the back of a policy with perants to get it cheaper-i remember an ex gf's mum even said that her daughter was the main driver and the company didnt seem to care, so im sure they dont play no role in the situation. anyway from my understanding if you arnt insured as the main driver, but are the main driver its illegal-and if you were pulled in it by the old bill more then twice within a certain time peroid you insurance is invalid. i also understand that named drivers have a huge issue getting payouts after accidents. dont take it as gospel, i just had a chat with a very helpful broker. whilst i understand insurance is expensive, i find it quite galling to pay and have paid large sums of money for vehicles when younger people pay less with no no claims! is this not one of the many reasons younger people get a bad name/pay so much insurance. i know there are some people who genuinely do use family cars, but im sure not everyone does. rant over, il get off the soap box Quote Link to comment Share on other sites More sharing options...
mattltm Posted May 26, 2009 Share Posted May 26, 2009 Another vote for Adrian Flux here. They are very good with sensible mods and I had no problems getting my other half (20) insured on a 110 with them. Quote Link to comment Share on other sites More sharing options...
Guest noggy Posted May 26, 2009 Share Posted May 26, 2009 ive just turned 18 and a 1986 90 thats been converted to a hardtop (makes difference apparently) and had a 200tdi put in it. and on my own it would cost nearly 1500 and on my dads with 30 years NCB its 495 quid with the NFU. Quote Link to comment Share on other sites More sharing options...
Aragorn Posted May 27, 2009 Share Posted May 27, 2009 It IS illegal to have yourself listed as a named driver on someone elses policy when you are infact the main driver, however i can see why people do it, it you'll get away with it for the most part until you have an accident. At which point the insurer will come along and say "we dont belive your the main driver as you have another vehicle, yaddya we're not paying out" Yes young people are more risky, but i do sometimes feel that companies take the tiddle. The problem you have is that the companies that would normally insure you as a young driver and give you reasonable quotes wont touch you as your driving a modified landrover. If its not a Station wagon most insurers see it as a commercial vehicle, and its modified to boot which makes it even harder to find cover. The current insurance system is a joke, when your struggling to get cover on a TDi landrover, yet my brother at 21, insured an Audi S4 (which has 265hp, two turbos and a V6 engine) fully comp for 800quid in his own name. Ok your a few years younger, but its a bloody landrover. That fact alone tells you your less likely to be drag racing up the front or trying to play Touring Cars down a B road! Quote Link to comment Share on other sites More sharing options...
Deface Posted May 29, 2009 Author Share Posted May 29, 2009 I have now FINALLY! got insured on it now, the company is kwik fit for 2100, its quite expensive but i can handle it monthly..just. When i had it insured before i was the named driver when in fact i was the main driver which as some have said its illegal, this time however i we have done it properly with my dad as a frequent user which still brings the price down, so im happy thank you for all the help Quote Link to comment Share on other sites More sharing options...
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