andrew253 Posted January 20, 2010 Share Posted January 20, 2010 Hello I'm 17 and want to get an old defender, but my dad will only allow me to get one, if I can get cheap enough insurance. Anyone know wheres the best place to get cheap insurance is? Cheers Andrew Quote Link to comment Share on other sites More sharing options...
moore101 Posted January 20, 2010 Share Posted January 20, 2010 im with nfu mutual on my series 3 lightweight. was about £1300 3rd party fire and theft when the vehicle was standard Quote Link to comment Share on other sites More sharing options...
simonr Posted January 21, 2010 Share Posted January 21, 2010 Unfortunately, there are too many variables to be able to say that X is cheaper than Y. The only answer is to ring around. Although there are lots of insurance comparison sites on the web, they only really work for Mr (mrs/miss) average. You can usually do better if you are not average (young, old, not driving a euro-box) by phoning every insurance broker you can find. One will come up with the goods! I used to find the insurers who advertise in Exchange & Mart pretty good when I was young and looking to insure my Land Rover! Si Quote Link to comment Share on other sites More sharing options...
Guest noggy Posted January 21, 2010 Share Posted January 21, 2010 NFU ALWAYS seem to come up trumps! search the forums there are litterally hundreds of these threads! im 18 almost 19 and NFU are only about 1200 on 200tdi ive now gone TD5 and insurance is a lot higher! But luckily ive got a nice daddy Quote Link to comment Share on other sites More sharing options...
moore101 Posted January 21, 2010 Share Posted January 21, 2010 mines gone up since putting the v8 in but ive yet to find another insurance company who will insure an 18 year old with a 3.5litre engine. luckily ive just bought a car so the landy can become a weekend vehicle and just be insured by parents. not a fan of people doing this for everyday use so not recomending it. Quote Link to comment Share on other sites More sharing options...
mike4444244 Posted January 21, 2010 Share Posted January 21, 2010 I know its not ideal but I found I had to be a named driver on an old banger for a few years before I got a landy, I was getting TPFT quotes of 5k+ for a 1993 200TDi!!! Just insured with lancaster for £328 FC I'd consider a low value S3 on a limited mileage policy if you are desperate for a LR good luck Mike Quote Link to comment Share on other sites More sharing options...
draper40 Posted January 21, 2010 Share Posted January 21, 2010 NFU does seem to be mentioned frequently but personally my insurance is £1200 with Adrian Flux for 200tdi. It has limited mileage (10000 I think) and you have to be a member of a club- not sure why this helps? Pete Quote Link to comment Share on other sites More sharing options...
simonr Posted January 21, 2010 Share Posted January 21, 2010 you have to be a member of a club- not sure why this helps? Although it's not really true of most Land Rover and 'off road' clubs, most car clubs revolve around cherishing, polishing and counting the rivets on their cars - which tends to encourage the owners to drive more carefully. The insurers have good statistical evidence for things like that reducing their claims ratio. I think most people assume that Car Insurance companies are raking the money in with these high premiums. However, the profit margin is one of the lowest of all types of insurance because the market is fiercely competitive. The premiums reflect the risk that the insurers have been exposed to over the past few years. When I bought my first Land Rover, I was 20 and had just passed my test and premiums were roughly £500 for Third Party Only, 10,000 miles. I bought an ex RAF Series 2 - and insured it with a military vehicle specialist. The premium was £69 Fully Comp 10,000 mile limited. I drove that for 5 years. The only downer was the no claims was not transferable - so the next non military policy was fairly expensive. Si Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted January 21, 2010 Share Posted January 21, 2010 I paid £400 last year for my 1992 Defender 90, with Footman James. They count it as a 'classic car policy', and I was 20 at the time of renewal. All I can say is good luck, it's never easy getting insurance at your age, more so with a Land Rover! Quote Link to comment Share on other sites More sharing options...
Rich_P Posted January 21, 2010 Share Posted January 21, 2010 (edited) £550 third party fire & theft with Footman James on their young driver Classic Car scheme. I'm 20 by the way. Big influencing factors is where you live and where the vehicle is stored. High risk areas=fewer willing to quote. FJ are the only sensible quoting company that will do Oldham for my age. Every other company wants £2,000 or more on my standard 2A 88-inch, as they consider places like Oldham too greater risk and some just don't quote at all. EDIT: One last thing. A late Series 3 or early Ninety/One Ten may be the way to go rather than older. I found some insurance companies refused to quote who would normally do young drivers on a Land Rover because my Land Rover was over 25-30 years old. Edited January 21, 2010 by Rich_P Quote Link to comment Share on other sites More sharing options...
garyjrode Posted January 21, 2010 Share Posted January 21, 2010 Hi there, I got my 1994 model 5 door RR insured with Swinton for £450 two years back and my Disco 2 2000 model insured with Sureterm direct in August 09 for £750 both on 8000 miles PA Full Comp. , although I was 34 yrs old at the time however my GB licence was only 6 months old and I had no no claims references, so I think they were pretty good deals. Good Luck Quote Link to comment Share on other sites More sharing options...
treebloke Posted January 21, 2010 Share Posted January 21, 2010 A lad (age 24) who works for me passed his driving test today so when he got home he phoned his insurers to tell them the good news. They duly replied by increasing his premium by £750 . He cannot afford this so he has cancelled his insurance with them and gone elsewhere which has still cost him more than before yet less than the additional £750. Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted January 21, 2010 Share Posted January 21, 2010 Yup, that's because you will be driving un-aided. Which is apparently more of a risk Quote Link to comment Share on other sites More sharing options...
landroversforever Posted January 22, 2010 Share Posted January 22, 2010 Give Adrian flux a ring, they seem reasonable. Quote for me at 19, on a highly modified 90, all mods covered, Fully comp came to £1404 :D Quote Link to comment Share on other sites More sharing options...
jeremy996 Posted January 22, 2010 Share Posted January 22, 2010 Young/inexperienced driver insurance premiums are always going to be a nightmare as the claims experience for drivers between 17-21 is horrendous. The question is not if you have an accident but when and how big! Almost every new driver will make a claim in the first two years and as we all know most modern cars will do £1000 of damage at low speed. On average young men have bigger accidents, (more speed, more damage, more chance of death), where young women have slightly more accidents but at lower speed so less bits to pick up. For young drivers try NFU, Endsleigh and then the Land Rover specialists. Talking to a broker is usually a good idea, as they may know how to leverage an introductory discount. There is no substitute for legwork on this one I'm afraid, the comparison sites are only interested in average risks on normal cars. My little horror, 11, will probably find himself in a 90 2.5NA at 17, that should seriously reduce his chances of speeding! Quote Link to comment Share on other sites More sharing options...
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