Puffernutter Posted July 7, 2011 Share Posted July 7, 2011 Hello all, A slighlty different twist! Like a lot of you I've just got my renewal from NFU and taken a sharp intake of breath! But, when I do on-line quotes, they all look very reasonable, until I say, but I have a winch, the 2.5TD is now a 200TDi and they all rapidly say, "sorry, won't touch that it's modified"! So who do you go to, that gives a reasonable price, but can take a Defender 110 that has a veggie conversion, capstan winch, large roof rack and not the original engine! Cheers Peter Quote Link to comment Share on other sites More sharing options...
chris200100 Posted July 7, 2011 Share Posted July 7, 2011 Try Adrian flux. I've got a modified 110 and I found them great to deal with and cheap Quote Link to comment Share on other sites More sharing options...
landroversforever Posted July 7, 2011 Share Posted July 7, 2011 Flux . I mentioned that it didnt have the original engine and was asked if it was a 200 or 300 unit, then asked if it was a Disco lump. From my experience, they seem to know what they are talking about. Quote Link to comment Share on other sites More sharing options...
M&S Posted July 7, 2011 Share Posted July 7, 2011 I am going through the same yearly trawl after my insurance company doubled my premium this year (what a pita it is every year having to move!). anyway, did you reaise that notifiable modifications include a towbar (they are not standard factory fit)... I wonder how many of us have told are insurance companies about that, honestly? As you say, teh second you select "yes" to any mods, even a towbar, you can't get a quote online. I'd best check Adrian Flux out Quote Link to comment Share on other sites More sharing options...
Mo Murphy Posted July 7, 2011 Share Posted July 7, 2011 Pufferchap, I found mine on moneysupermarket.com, a niche insurance broker - Groves and someone IIRC, very good value so I went with them. My 200 conversion was happily accepted. HTH Mo Quote Link to comment Share on other sites More sharing options...
Puffernutter Posted July 7, 2011 Author Share Posted July 7, 2011 I spoke to Adrian Flux and I went back to NFU. Both of whom sharpened their pencils At the end of the day, when I compared like for like and took everyting into consideration (I sound like a politician! ) I've decided to stay with NFU as I have been with them for quite a while and I know that they know all my modifications (to the car that is ) Cheers Peter Quote Link to comment Share on other sites More sharing options...
danebrewer Posted July 7, 2011 Share Posted July 7, 2011 the thing with those online insurance companies you've never heard of before probably won't cover you for an awful lot of things. like britpart stuff, it looks great because it's cheap but in reality it's carp. Quote Link to comment Share on other sites More sharing options...
mickeyw Posted July 7, 2011 Share Posted July 7, 2011 It's so frustrating that you need to go through this phoning around palava just to get the renewal quote back down to a sensible figure. They all seem keen to gain new business but just don't want to look after that which they already have. I'd have thought an existing customer should be a lot less work for them than newbies As for NFU, forgetting price for a moment, I've always found my local office (Oxted, Surrey) to be very understanding about what constitutes a modification and how they react to it. They made no fuss about my tow bar, winch or rock sliders, were not concerned about the fact that I swapped the factory 3.5 for a 3.9, or when I converted to auto. There was no increase in premium at the time of notification, no paperwork charges. Their view was that it's a Landrover, which is a working vehicle, and they all have/need towbars to do their job (whatever that might be); same attitude for the winch. The engine swap was greeted by the acknowledgment that is was another off the shelf lump from the LR stable, so no fuss there. They were happy with auto box conversion because it was a LR gearbox. My only beef, and I mentioned this point recently in another thread, is that I pay similar for my 1986 Ninety to what my 70 YO Mum does for her 2006 110 CSW, and she has all the claim history and points! I shall be keeping an eye open for my renewal in the next month or so, I hope I don't have to waste time shopping around too Quote Link to comment Share on other sites More sharing options...
Diablo Posted July 7, 2011 Share Posted July 7, 2011 I'm young, the truck has got a non-original 200tdi in it and a veggie conversion, along with a few other bits and bobs (towbars, lights etc), and Flux have been the only ones with a sensible price. I often feel like I'm stuck with them as no-one else will take it on, despite it being a standard LR engine. I do get them to knock off the £20 (though prob £30) admin fee they put on every policy though... Quote Link to comment Share on other sites More sharing options...
Litch Posted July 7, 2011 Share Posted July 7, 2011 "I wonder how many of us have told are insurance companies about that, honestly? As you say, teh second you select "yes" to any mods, even a towbar, you can't get a quote online." I have always been honest and never had cover refused or recieved a stupid quote in over 25-years of (modified) LR ownership. The thing is to use a specialist, as soon as you go on the comparison websites and say the vehicle is modified you are opening a can or worms. In addition, when being quoted you are asked if you have ever had cover refused and that is the last thing you want to have to own up to (if it has happened and you don't own up to it you can still get found out as all companies talk to each other). Have been around them all over the years but have stuck with Lancaster for quite a while now as they still give the best quote for an agreed value policy. Quote Link to comment Share on other sites More sharing options...
PaulN Posted July 7, 2011 Share Posted July 7, 2011 Hello all, A slighlty different twist! Like a lot of you I've just got my renewal from NFU and taken a sharp intake of breath! But, when I do on-line quotes, they all look very reasonable, until I say, but I have a winch, the 2.5TD is now a 200TDi and they all rapidly say, "sorry, won't touch that it's modified"! So who do you go to, that gives a reasonable price, but can take a Defender 110 that has a veggie conversion, capstan winch, large roof rack and not the original engine! Cheers Peter Have read on here that a lot go with these (link) no experience myself yet though! Quote Link to comment Share on other sites More sharing options...
discomikey Posted July 7, 2011 Share Posted July 7, 2011 hi guys, at 18, would even flux touch me with my 200TDI series 3? im on with NFU for 2000 atm, as previously posted, do you think that flux would be cheaper for me? Quote Link to comment Share on other sites More sharing options...
Puffernutter Posted July 8, 2011 Author Share Posted July 8, 2011 Have read on here that a lot go with these (link) no experience myself yet though! I've just been on their site and it states "we may share your information with Adrian Flux", well as I've just got a quote from Adrian Flux, it seems a little pointless..... They may offer something different, but I suspect they (the brokers) are all fishing in the same pool! Cheers Peter Quote Link to comment Share on other sites More sharing options...
Happyoldgit Posted July 8, 2011 Share Posted July 8, 2011 This thread may be of interest. Quote Link to comment Share on other sites More sharing options...
Snagger Posted July 8, 2011 Share Posted July 8, 2011 I used to use NFU, but it transpired I wasn't covered off road at all. They also failed to acknowledge the modifications in writing despite numerous prompts by me to do so, leaving me doubtful over whether the policy was actually valid. Flux on the other hand have been excellent. I questioned the off road cover as the policy booklet says it's not covered, but they got the underwriters to send a headed letter making it explicitly clear that all non-competitive off road use was covered in full (laning, pay and play sites, expeditions and so on, but not trialling or racing). they also requested a full list of all modifications and alterations, so I know that it has been done correctly. They were excellent on both occasions where I had to claim, with no messing about, procrastination or haggling. They are not quite as cheap as NFU, but are very reasonably priced compared to everyone else and seem to have the best cover and service that I have yet experienced in 20 years of LR ownership. Quote Link to comment Share on other sites More sharing options...
Diablo Posted July 8, 2011 Share Posted July 8, 2011 hi guys, at 18, would even flux touch me with my 200TDI series 3? im on with NFU for 2000 atm, as previously posted, do you think that flux would be cheaper for me? I was with them at 18 or 19 with a 200tdi defender and it was well under £1000. 22 now and last year it was around £500. This is with a veggie conversion and a few other mods. Mine runs out next week, so need to get my arse in gear really. Quote Link to comment Share on other sites More sharing options...
landroversforever Posted July 8, 2011 Share Posted July 8, 2011 I've only ever been with Flux. only people that would insure my 90. When I bought it, £1400 full comp all mod covered and I was 19 at the time . Quote Link to comment Share on other sites More sharing options...
Guest Posted July 8, 2011 Share Posted July 8, 2011 I've only ever been with Flux. only people that would insure my 90. When I bought it, £1400 full comp all mod covered and I was 19 at the time . Ross, Do you need insurance if your truck is never on the road!! Quote Link to comment Share on other sites More sharing options...
landroversforever Posted July 8, 2011 Share Posted July 8, 2011 Admittedly it wasn't on the road for half of the last year! But I'm daily driving it until my sister goes off to uni. Quote Link to comment Share on other sites More sharing options...
Boris113 Posted July 8, 2011 Share Posted July 8, 2011 I have been with the NFU since I was 17 and always found them very good, especially considering my 90 has been converted to 300tdi, soft top, lifted, disco axles, larger tyres and a whole lot more. They even said I could put a 3.5v8 in my series 3 with no increase in my premium (i was 17 at the time) They are always quick to help and also pay out very quickly when you have a whoopsy. I rang adrian flux at christmas because the NFU got a bit iffy about me fitting a roll cage and they quoted me £100 less than the NFU did, but because I'm 20, they couldn't offer me 3rd party cover on any vehicle which NFU do. In the end I stuck with NFU and havn't got round to fitting the cage but come renewal time at christmas, i'll probably try elsewhere. Harry Quote Link to comment Share on other sites More sharing options...
danebrewer Posted July 8, 2011 Share Posted July 8, 2011 Admittedly it wasn't on the road for half of the last year! But I'm daily driving it until my sister goes off to uni. she's pinching your landy? what? Quote Link to comment Share on other sites More sharing options...
landroversforever Posted July 8, 2011 Share Posted July 8, 2011 no no no no, dont be silly . I can then claim the 206 back and use that Quote Link to comment Share on other sites More sharing options...
mickeyw Posted July 8, 2011 Share Posted July 8, 2011 I have been with the NFU since I was 17 and always found them very good, especially considering my 90 has been converted to 300tdi, soft top, lifted, disco axles, larger tyres and a whole lot more. They even said I could put a 3.5v8 in my series 3 with no increase in my premium (i was 17 at the time) They are always quick to help and also pay out very quickly when you have a whoopsy. I rang adrian flux at christmas because the NFU got a bit iffy about me fitting a roll cage and they quoted me £100 less than the NFU did, but because I'm 20, they couldn't offer me 3rd party cover on any vehicle which NFU do. In the end I stuck with NFU and havn't got round to fitting the cage but come renewal time at christmas, i'll probably try elsewhere. Harry I have some recollection of another insurance thread from some time ago, when someone brought up the matter of cages and NFU. It seems the way you express the purpose of the cage makes a difference. I can't remember the exact detail, but it was something along the lines of a roll bar being an item that is fitted to race vehicles (read speed, and likelihood of accident). If however you word it that the cage is for protection of the vehicle they view it rather differently. With a bit of luck the individual who mentioned it then will pop his head up and explain this point properly. I also recall it being worth stating that your winch is for self recovery, as opposed to being for commercial (hire and reward) recovery. This makes a big difference to the risk factor. Quote Link to comment Share on other sites More sharing options...
western Posted July 8, 2011 Share Posted July 8, 2011 when I fitted my Husky winch, all my NFU agent wanted to know was that it was on the vehicle, don't remember them asking why or what I was going to use it for, it didn't affect my premium either. Quote Link to comment Share on other sites More sharing options...
Happyoldgit Posted July 8, 2011 Share Posted July 8, 2011 when I fitted my Husky winch, all my NFU agent wanted to know was that it was on the vehicle, don't remember them asking why or what I was going to use it for, it didn't affect my premium either. That was probably a gazillion years ago now Ralph Have you had this years renewal yet? Quote Link to comment Share on other sites More sharing options...
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