Keeper96 Posted March 29, 2013 Share Posted March 29, 2013 Hi Can anyone recommend insurers who will give decent quotes for a young driver ( 17 years old and first car) The car is an '89 defender 2.5 turbo diesel if that helps Cheers Quote Link to comment Share on other sites More sharing options...
jeremy996 Posted March 29, 2013 Share Posted March 29, 2013 This is probably not want you want to hear, but they are all going to suck. You are going to have to talk to a lot of people and most of them will be ignorant and uncaring, so brace yourself for some grief. Try your local NFU office, Endsleigh, then the advertisers in the Land Rover mags. It will help a great deal if your 90 is un modified and you describe it as a Land Rover 90; most insurer databases will not recognize a 1989 Defender and you will, very likely, confuse the person on the phone. Put your parents on the LR as named drivers, agree a voluntary excess and ideally garage the 90 overnight to get the premium down. Don't ever lie to an insurance company as it can cost you more than money. Good luck! Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted March 29, 2013 Author Share Posted March 29, 2013 Cheers Jeremy, I've got a quote of £3400 ATM which isn't bad compared to my friends who are paying about £2500-£3000 for a mix of corsas, clips etc. so just wandering if I can get it down a bit more or see about a multi car policy with my dads cars or something? Quote Link to comment Share on other sites More sharing options...
Mean Green Posted March 29, 2013 Share Posted March 29, 2013 Try Adrian Flux - they have both a young driver and 4x4 dept so might be more helpful. Also for that age of vehicle it can come under a classic policy - not sure how your age will affect it. Also try http://www.cherishedcarinsurance.co.uk/ they manage a quote significantly lower than anyone else when I was doing my Discovery - but then again I am more than twice your age with a clean driving history so that will help a bit! £3400 isn't bad!!!!!!!!!!!!!!!!!!!!! Holy $h!t!!! I consider £340 to be too much.... guess I am really out of touch with reality! sign of getting old! Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted March 29, 2013 Author Share Posted March 29, 2013 Haha, insurance is an absolute nightmare unless you own a farm or a business to put it on the insurance of Quote Link to comment Share on other sites More sharing options...
studmuffin Posted March 29, 2013 Share Posted March 29, 2013 I cannot recommend any particular insurers, but for info Lancaster and Sureterm are the same group and do not quote against each other. It depends if you are insuring your kids direct, or putting them on your or your partners policy, as a named additional driver. From experience of insuring 2 sons and 1 daughter, if you are insuring them direct it is often cheaper, strangely enuf, to add you and your other half on the policy as named co-drivers, because it reduces the premium. The theory is, your sprog does not spend all the time driving the car! Apart from that be prepared to be royally shafted - because it aint cheap. I know that some insurers insure landys cheaper than hatchbacks and face it at the end of the day I would prefer my kids to be in a 0-60 in 10 minutes Defender then a rip-snorty hatchback imbedded in a tree. Quote Link to comment Share on other sites More sharing options...
Happyoldgit Posted March 29, 2013 Share Posted March 29, 2013 Sometimes the search function can be your friend http://forums.lr4x4.com/index.php?showtopic=80284&hl=insurance Quote Link to comment Share on other sites More sharing options...
zoltan Posted March 29, 2013 Share Posted March 29, 2013 Sometimes the search function can be your friendhttp://forums.lr4x4.com/index.php?showtopic=80284&hl=insurance Not often it has to be said Quote Link to comment Share on other sites More sharing options...
landroversforever Posted March 30, 2013 Share Posted March 30, 2013 Try Adrian Flux. Insured me at 19 on my modified 90 . Have a search on here as there a loads of threads on insurance Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted March 30, 2013 Author Share Posted March 30, 2013 Cheers for the replies folks Quote Link to comment Share on other sites More sharing options...
edessex Posted March 30, 2013 Share Posted March 30, 2013 I've found Admiral to be good, even for the Mrs when she was on a provisional, although she was 23/4... Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted March 30, 2013 Author Share Posted March 30, 2013 I had heard good things about admiral so I'll look onto them as well, cheers Quote Link to comment Share on other sites More sharing options...
Aragorn Posted March 30, 2013 Share Posted March 30, 2013 Admirals worth a go (or bell/elephant, their the same company), and adding low risk drivers to your policy with Admiral works well to bring the policy down too. Chuck the details at gocompare and comparethemarket, and try direct line and aviva too. Given its a first car, and your age, you'd be wise to keep it unmodified, as it means you can pursue all the mainstream insurance companies to maximise your chances of a good quote. Quote Link to comment Share on other sites More sharing options...
UdderlyOffroad Posted March 30, 2013 Share Posted March 30, 2013 As I said in the thread that Happy/Miserable/Ambivalent-OldGit linked to, this is worth a read too Matt Quote Link to comment Share on other sites More sharing options...
studmuffin Posted March 30, 2013 Share Posted March 30, 2013 Sorry - meant to say it may be worth asking an old fashioned insurance brokers. There are a few left and sometimes they have history with underwriters for particular insurers where they can hustle a deal. Doesnt mean you have to sign up unless they get you the right deal. Remember, not all insurance companies put product on compare sites, so there are other options. Some companies offer accelerated no claim policies over 10 months. Its up to you to do the maths to see if it works. Also be aware about spreading the cost with monthly DD payments. If you child has a claim ( and almost all of them do ) you have to pay the whole premium before the claim is settled. Normally there is no refund for unexpired period of insurance, although they normally offset a chunk of this if you re-insure another vehicle within a stated time frame. Best of luck Studmuffin Quote Link to comment Share on other sites More sharing options...
Ash.Witty Posted March 30, 2013 Share Posted March 30, 2013 Nfu hiked there prices last year and I changed to Adrian flux. Im 21 it cost me £1275 ish to insure my 110 with my old 4.2 Turbocharged v8, I have now insured it this year with my new 5.9 Cummins and is £1399 also the Nfu don't like a huge list of modifications and wouldn't insure mine once I fitted a roll cage but Adrian flux are more than happy to take your business with them. Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted March 31, 2013 Author Share Posted March 31, 2013 Cheers for the replies everyone. Btw the insurance is for me haha Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted March 31, 2013 Share Posted March 31, 2013 Keeping it standard will be the best way forward at your age. When I was 19 I had my 90 insured with Direct Line I think (transferred it from a Focus). If I remember correctly it was about £600. Quote Link to comment Share on other sites More sharing options...
Ash.Witty Posted March 31, 2013 Share Posted March 31, 2013 You would be surprised, my modifications didn't really increase my premium but the Bhp level did, going from Std. 111 Bhp 300Tdi to a 4.2 v8 with 200 then adding a turbo to make 260 Bhp made my premium £1850 at 19, then £1470 at 20, and at renewal this year was £1006 at 21. As the 5.9 Cummins will be bordering on 300+ Bhp this then increased my premiums again. Quote Link to comment Share on other sites More sharing options...
Retroanaconda Posted March 31, 2013 Share Posted March 31, 2013 I'd certainly count changing the engine as a modification! Insurance companies are set up based on "normal cars". So things like aftermarket wheels, bolt-on-bling and fancy stereos increase premiums because they make the vehicle more attractive to thieves, or at least their statistics show that those vehicles are claimed upon more often. Quote Link to comment Share on other sites More sharing options...
Ash.Witty Posted March 31, 2013 Share Posted March 31, 2013 Ah yes understand your point, never really thought about engine swaps as modifications as they just slip in so easy Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted March 31, 2013 Author Share Posted March 31, 2013 So will putting a different radio in, removing the bulkhead and fitting the mudrail seat rails and strengthening bar count as mods? I'm guessing chequer plating the back out is definetly a mod? Quote Link to comment Share on other sites More sharing options...
Ash.Witty Posted April 1, 2013 Share Posted April 1, 2013 I doubt they will be too bothered about those mods, but you must tell them anyway that way your covered if you do have an accident, I have listed 2 pages of A4 with modifications that way everything is covered on the system. I think the rule is any modifications that affect vehicle price and engine power will increase premiums, by fitting £2000 of gear onto a £5000 Landy won't necessarily mean it's going to be worth £7000 if you catch my drift. Quote Link to comment Share on other sites More sharing options...
Aragorn Posted April 1, 2013 Share Posted April 1, 2013 I probably wouldnt even tell them about those things tbh if they were the only mods. I've NEVER declared a stereo change in any car ive had, though i've happily declared that i've installed bigger brakes, or aftermarket suspension etc etc. A line has to be drawn somewhere doesnt it? A magnetic tax disk holder or a magic tree is a non-standard part, but your not going to mention those are you? Or maybe you fitted some Halfords "Ultra" headlamp bulbs or recovered the front seats with that non-standard kit from britpart so they're now clean and non-saggy rather than worn out and knackered? Or maybe fitting a nice classy beaded seat cover or a rug on the parcel shelf? What about when you fitted some BFG's instead of the OEM fitment General Grabbers to the standard wheels? So many things could in theory be considered to be a modification from the original specification, but in reality the insurance company wont give a carp about them, and if you mention them you just create a world or hurt for yourself as some call centre mongo hasnt a clue what your on about and makes a big deal out of nothing. Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted April 4, 2013 Author Share Posted April 4, 2013 Got a really good quote from Adrian flux, now I just need to wait till i turn 17, pass my test and I can get out in my car Quote Link to comment Share on other sites More sharing options...
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