Snagger Posted February 20, 2013 Author Share Posted February 20, 2013 Ah, good. I'll give Academy and A-Plan a call tomorrow. I won't hold my breath, but it's only a few pence to make the call. Quote Link to comment Share on other sites More sharing options...
=jon= Posted February 20, 2013 Share Posted February 20, 2013 A-Plan (Thatcham Branch though) insure my 90 - Lancaster messed me around never calling me back due to it having a ford engine in it, A-Plan sorted it out in about 10 minutes. V6, lift etc all declared for something round £150 which I was pretty happy with... Quote Link to comment Share on other sites More sharing options...
Mean Green Posted February 22, 2013 Share Posted February 22, 2013 HiI have just re-insured my 1990 Disco on a classic policy. HD bumper, winch, 8 spokes 235/265 tires,rock sliders, steering guard, front axle/diff guard and rear diff guard. Age 50, 5000 miles pa £134.15 fc. www.cherishedcarinsurance.co.uk Good call bushwacker - spoke to cherished today and got disco 3rd party AND Defender laid up for less than 180. Quote Link to comment Share on other sites More sharing options...
doda456 Posted February 22, 2013 Share Posted February 22, 2013 Another vote for A plan here, they do have a special vehicles policy but only certain staff and certain branches can do it, The salisbury brach do, just insist on speaking to Phil Quote Link to comment Share on other sites More sharing options...
90 Inches Of Pure Pleasure Posted February 22, 2013 Share Posted February 22, 2013 Lancaster Insurance. Special 4x4 provider...worth a try. Quote Link to comment Share on other sites More sharing options...
Spongie Posted February 22, 2013 Share Posted February 22, 2013 lancaster quoted on my 101. Me: 25 yr old, no no claims bonus yet no accidents or convictions Vehicle: 1975 101" Forward control valued at £6000, 200Tdi, PAS, 5 speed gearbox, bigger wheels and tyres, CD/DVD player, electric winch front and rear. 15,000 miles per year (maximum they would allow) Social, Domestic & Pleasure inc Commuting stored on driveway at home or car park at work. I was astounded at the quote £355.60 Quote Link to comment Share on other sites More sharing options...
Snagger Posted February 22, 2013 Author Share Posted February 22, 2013 Lancaster wanted about £600, A-plan £530 and Academy £540, so Flux are still the best of those who will cover it. I'm going to email the ombudsman and ask for clarification on whether a piece of factory fitted optional extras constitutes a mod or an accessory, and if it is an accessory as I believe, the Tesco can lump it. I find it hard to believe a policy would be voided by fitting such an accessory. Quote Link to comment Share on other sites More sharing options...
Taffia Posted February 22, 2013 Share Posted February 22, 2013 Another vote for A plan here, they do have a special vehicles policy but only certain staff and certain branches can do it,The salisbury brach do, just insist on speaking to Phil I agree - Gemma Burke at Bletchley was the one I was referring too - only certain people at the branch seem to do the deals on Defenders - strange I know but with all the fun with an ex-MOD 110 'soft top ;)' and bench seats and I said I was going to fit a Snorkel which I am when I can find one included in the deal I was very happy. (anyone has on a 2.5NA please point me in the right direction). Hope it helps. Quote Link to comment Share on other sites More sharing options...
Snagger Posted February 22, 2013 Author Share Posted February 22, 2013 I'll try the Salisbury branch next week then, but the woman at the Woking branch did refer it to another specialist branch (Staines, I think), so I'm not hopeful. It's odd - 9 years ncd, 7000 mile limit, two drivers only, both over 40, kept on the drive in a good neighbourhood, no convictions or points, no medical issues and just one small knock over three years ago... Quote Link to comment Share on other sites More sharing options...
Diff Posted February 22, 2013 Share Posted February 22, 2013 Lancaster wanted about £600, A-plan £530 and Academy £540, so Flux are still the best of those who will cover it. I'm going to email the ombudsman and ask for clarification on whether a piece of factory fitted optional extras constitutes a mod or an accessory, and if it is an accessory as I believe, the Tesco can lump it. I find it hard to believe a policy would be voided by fitting such an accessory. Hi Snagger, I am afraid, no insurance company is obliged to take your business. Mod or accessory, it doesn't matter, it is like accepting a wager, they can choose to take your 'bet' or not. Anything fitted to your vehicle can affect the likelyhood of the insurance company having a claim made against them. They decide whether there is an increased risk or not. Some companies decide there is no extra risk, others decide there is. In some insurance company's eyes a snorkel can: 1. Make the vehicle more attractive, therefore more likely to be stolen than one without. 2. Make it more likely that you will take the Land Rover in deepwater/mud and make a subsequent claim 3. Possible additional risk to pedestrians in the event of an accident etc. All you can do is shop around as you have been, and find a company that doesn't count it as an additional 'risk'. Contacting the ombudsman would be a waste of time in my opinion. Good luck in your quest, Regards, Diff. Quote Link to comment Share on other sites More sharing options...
Taffia Posted February 22, 2013 Share Posted February 22, 2013 Hi Snagger - yes I had to deal with Bletchley for my MG 8 years ago even though I am on the south coast - and as far as I know Gemma ( 01908 271 771) is the one one dealing with Landy's. (Again nothing to do with them but as I am now at my desk I dug out the number) Your situation is very similar to me - except I have had no claims. I won't repeat some of the conversation I had with other insurance companies on an ex-MOD 110 Rag top "Is it armour plated?" "Does it have an MOT?" "Does it have any military insignia" "Does it have a 50mm Anti Tank or is it the Mortar Launcher version" (OK I am fibbing here - but close!) "Will you be racing hot hatches in town on Saturday Night - Yes if I get a week's head start!" "Sorry computer says NO" And that was in theory as bought with no mods - when I mentioned I was going to fit a 'Snorkel' they asked would I be driving in fins! /Rant off. Try is all you can do - I agree with Diff its like a lottery. Good luck Quote Link to comment Share on other sites More sharing options...
Snagger Posted February 23, 2013 Author Share Posted February 23, 2013 I understand the logic behind specification differences affecting policies. What is peeing me off is that they say that if the snorkel was factory fitted off the options list, it would be fine, but fitting the same equipment to the same spec vehicle after it has left the factory is not permissable. They are saying that two identical cars can have two different verdicts, regardless of the driver, use and circumstances. It is totally inconsistent and unreasonable, and shows their intransigence and stupidity. Quote Link to comment Share on other sites More sharing options...
Taffia Posted February 23, 2013 Share Posted February 23, 2013 Perhaps there has been some research into the mindset of post production car 'modification' which shows that an owner who wishes to add/improve or indeed change production specification is more likely to be an riskier owner! Considering as I understand it at least 75% of produced Land Rovers are still on the road (A green argument there - I wonder how many of them are in their original factory state. Perhaps you need to sell it to a friend for a £1 then buy it back for 80p (as we are not a AAA country any more!) and call the insurance and say this was the original condition as bought - declaring the Snorkel and wheel arch flame decals as original at the time of purchase. I wonder if the fact you as the new owner are not going to be 'fitting' them post purchase has any impact! Just a Saturday evening thought (that hurt!) Quote Link to comment Share on other sites More sharing options...
Snagger Posted February 24, 2013 Author Share Posted February 24, 2013 I can well understand insurer's needs to balance risks and load premiums for mods - when we consider engine swaps, suspension lifts, performance tweaks, adding seats and so on, it makes sense. When you expand it wider to factor in chavs with Saxos lowered by chopping the springs, with illegal lighting, cherry bomb exhausts, silly spoilers and the like, then you almost pity their insurers. But having double standards over mere accessories, based on whether they were fitted (in identical fashion) before or after first registration is not logical. People who fit mild accessories tend to have an interest in their cars, and so will look after them better, reducing both accident and theft risk. With modifications, risk probably is increased as the mods tend to be used for things like racing, off roading or sportier driving, or used for things like carrying more passengers and heavier or unusual loads. What is irritating is the insurers' inability to see the difference between a mod and an accessory. Quote Link to comment Share on other sites More sharing options...
rusty_wingnut Posted February 26, 2013 Share Posted February 26, 2013 Surely you should just remove the snorkel and save yourself the aggro Quote Link to comment Share on other sites More sharing options...
Aragorn Posted February 27, 2013 Share Posted February 27, 2013 Or just tell them it was factory fitted! Quote Link to comment Share on other sites More sharing options...
Happyoldgit Posted February 27, 2013 Share Posted February 27, 2013 Try LV. Quote Link to comment Share on other sites More sharing options...
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