Keeper96 Posted April 1, 2015 Share Posted April 1, 2015 Hi guys So I've rang my insurance company (admiral) and asked what Tue difference would be if I fitted a 300TDI from a 19j and they've said they can't insure me (18 year old, been driving for nearly two years with one claim) Do I have any sort of leg to stand on to argue with them? Eg only getting changed because the original engine is tired and starting to fail? If that line fails then can you reccomend anyone else who will give a reasonable quote? Cheers Jamie Quote Link to comment Share on other sites More sharing options...
reb78 Posted April 1, 2015 Share Posted April 1, 2015 Admiral are truly awful. Nfu simply said they would just consider my 200tdi as a 200tdi when I explained it's converted from a TD. I think you might be too young to get a policy with them though. Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted April 1, 2015 Author Share Posted April 1, 2015 They're awful but where the cheapest by about £2000 when I first looked. I don't think I am to young, I've had quotes from them but they where more than admiral, I might try them again now. Thanks for that Quote Link to comment Share on other sites More sharing options...
Mutley Posted April 1, 2015 Share Posted April 1, 2015 Could try Footman James as it would be classed as a classic will make it cheaper, down side is you wont accumalate any no claims bonus Quote Link to comment Share on other sites More sharing options...
robertspark Posted April 1, 2015 Share Posted April 1, 2015 Try some of the other landrover type ones from the back of the mags better to spend a while on the phone with each of them Suggest you approach it this way by asking for a normal quote giving them all your details and upon getting your quote then ask what about if need to change my engine because I'm getting someone to look at the vehicle at present and the preliminary verdict is that the engine is goosed or on its way out how would this affect the validity of my quote and what would I need to pay as a change to the policy at that time They the same with the others and see what you get. Be polite and try to get to know the call centre person with a bit of chit chat and not go in for the kill of give me a quote on an engine change please I'm a young driver with a claim. You have nothing to loose but time It's not dishonest just if you can ask for there advice on how to go about it it may help Quote Link to comment Share on other sites More sharing options...
mmgemini Posted April 1, 2015 Share Posted April 1, 2015 Fitting a 300Tdi isn't a conversion. Land Rover made a kit to do that. Quote Link to comment Share on other sites More sharing options...
=jon= Posted April 1, 2015 Share Posted April 1, 2015 I insured my old 90 which had a ford v6 in it with A-Plan - if you google the number for their thatcham branch they have a specialist 4x4 division... Quote Link to comment Share on other sites More sharing options...
western Posted April 1, 2015 Share Posted April 1, 2015 Admiral are truly awful. Nfu simply said they would just consider my 200tdi as a 200tdi when I explained it's converted from a TD. I think you might be too young to get a policy with them though. same engine change as my 110, had no problem with NFU before or after the engine swap. you have to be over 21 & live in a rural postcode area to be accepted, Try Heritage Insurance, talk to Leena Marsh. Quote Link to comment Share on other sites More sharing options...
GBMUD Posted April 1, 2015 Share Posted April 1, 2015 You do not need a rural postcode to insure with the NFU. I have insured with them at three urban postcodes, they currently insure my 90, quad, works van and household, all in town. There may be age restrictions though. Chris Quote Link to comment Share on other sites More sharing options...
ejparrott Posted April 1, 2015 Share Posted April 1, 2015 Don't bother with Peter James - they're a brilliant insurance company, in my opinion at least, but they don't insure under-25's. Quote Link to comment Share on other sites More sharing options...
LiftedDisco Posted April 2, 2015 Share Posted April 2, 2015 Another vote for A-Plan only I am sure that I deal with Bletchley. That may be due to the fact that the old manager there (Steve Marsh) set the 4x4 scheme up but he has since left so not really sure where they run this from. Try Bletchley but I do agree that there is one of their team at Thatcham who now seems to have 'ownership' for the scheme. I suspect they will see it as a 'modified' vehicle (notwithstanding the various engines and options that can be / have been found in factory produced LR) and your age is going to be against you - typically, specialist schemes are often only open to 21+ NFU will do most things LR related and don't seem to be fazed by mods but when I looked into this for our daughter, they would only look at her if we had all the other household, business and motor insurance with them so I have told her that she needs to wait until she is older (or opts to pay her own insurance...)! Quote Link to comment Share on other sites More sharing options...
Cynic-al Posted April 2, 2015 Share Posted April 2, 2015 They are quite within their right to refuse, they don't have to offer you a product. Shopping around is your only option or sell and buy a 300tdi. I've always wondered, once the engine number and details have been updated on the V5 does that update their database or not? If it updates their database and you answer the question "what engine is it?" with "it's a 2.5 litre turbo diesel" have they been mislead? Quote Link to comment Share on other sites More sharing options...
landroversforever Posted April 2, 2015 Share Posted April 2, 2015 If changing stuff, you're far better off with a company that knows land rovers or at least is able to do something different. With a company like admiral, they aren't going to like it as it can't just be a tick in a box! When on the road (and as layed up cover now) my 90 with a retrofitted 200tdi was with Adrian flux, no complaints about them. Bought it when I was 19. Quote Link to comment Share on other sites More sharing options...
GBMUD Posted April 2, 2015 Share Posted April 2, 2015 They are quite within their right to refuse, they don't have to offer you a product. Shopping around is your only option or sell and buy a 300tdi. I've always wondered, once the engine number and details have been updated on the V5 does that update their database or not? If it updates their database and you answer the question "what engine is it?" with "it's a 2.5 litre turbo diesel" have they been mislead? They will be misled if you go on to answer 'No' to the question 'Has the vehicle been modified in any way?'! Chris Quote Link to comment Share on other sites More sharing options...
dailysleaze Posted April 2, 2015 Share Posted April 2, 2015 I've just insured a Defender with a shed load of mods (including a larger non-standard engine) with Adrian Flux. They really didn't care that the mods existed, just that they knew what they were. They were £1000 cheaper than a bog standard car insurance company. Quote Link to comment Share on other sites More sharing options...
Cynic-al Posted April 2, 2015 Share Posted April 2, 2015 Fair point Quote Link to comment Share on other sites More sharing options...
LiftedDisco Posted April 2, 2015 Share Posted April 2, 2015 I've just insured a Defender with a shed load of mods (including a larger non-standard engine) with Adrian Flux. They really didn't care that the mods existed, just that they knew what they were. They were £1000 cheaper than a bog standard car insurance company. I think insurance with mods is wholly dependent on your age - the OP said that they are 18! My D1 with loads of mods (including things that could do lots of damage like HD bumpers and winches) was £110 a year fully comp... but then I am slightly older! Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted April 2, 2015 Author Share Posted April 2, 2015 Yeah my age is the problem, I would have went with Adrian flux for my first year but they quoted nearly £3500 where as admiral multicar got me insured for £1200. However my slave cylinder giving our in a car park and shunting my 90 into the car behind me just before my renewal last year hasn't really helped things. Going to try adrian flux tomorrow and see what they say this time round. Cheers Jamie Quote Link to comment Share on other sites More sharing options...
LiftedDisco Posted April 2, 2015 Share Posted April 2, 2015 Jamie... try A-plan as well. I don't think I have ever had a good experience with Flux - they seem to quote a price and then ask if you have an alternative quote which (mysteriously) they can then match; they charge you to change the policy; they charge you to cancel the policy and I know of folks who have had horrendous times getting claims resolved... Worst of all, a mate of mine had a shunt (hit a house in the fog...) and there was no real damage done to third party property so (potentially...) no claim to consider. Flux (who were her broker) then proceeded to aggressively pursue the passenger to make a 'personal injury' claim - surely they should act on behalf of the insured party and not go ambulance chasing... Every experience with Flux has been less than savoury... Quote Link to comment Share on other sites More sharing options...
mickeyw Posted April 2, 2015 Share Posted April 2, 2015 Isn't Heritage insurance getting very geared up towards enthusiast LR owners? They've been talking on a number of fb pages, although I don't know their stance on young drivers. Quote Link to comment Share on other sites More sharing options...
Keeper96 Posted April 2, 2015 Author Share Posted April 2, 2015 Cheers everyone, keel the options coming in for me please. Just a question, does anyone think I'm being stupid hoping for insurance with a different engine from standard at my age? Cheers Jamie Quote Link to comment Share on other sites More sharing options...
ejparrott Posted April 3, 2015 Share Posted April 3, 2015 Stupid, no. First thing I did was take the 2286 out of my 88, my mistake was fitting the TD and not the TDI. Hoping to get it as cheap as the £140 I pay to keep both of mine on the road? Well not stupid perhaps, but hoping for sure. It's going to be expensive I'm afraid, that's just the way it is now. I'm lucky, I seem to be always just ahead of these things. Quote Link to comment Share on other sites More sharing options...
GBMUD Posted April 3, 2015 Share Posted April 3, 2015 Cheers everyone, keel the options coming in for me please. Just a question, does anyone think I'm being stupid hoping for insurance with a different engine from standard at my age? Cheers Jamie Stupid? No. What would be stupid is changing the engine and then finding you cannot insure it! You are going the right way about it. NFU seemed to view my 300Tdi from TD conversion as a simple case of fitting an available engine in place of one no longer available - as far as they were concerned, a 2.5 turbo was a 2.5 turbo. They cannot be alone in taking this view, you just need to keep talking to insurers until you find one that understands you and your needs. Remember that no insurer bases his premium on you, they all look at categories of risk and load your premium accordingly. For example, a Landrover may cost £100 to insure, but being 18 makes you (in their experience) 5 times more likely to crash than a 50YO, so that is £500. They might then say that an engine mod doubles their risk, £1000 but that your postcode reduces risk by 20%, £800 and so on. You need to find the company whose assessment of the different risks fits your profile and hey presto, the lowest quote. Keep ringing round! May I suggest, if you have not already done so, a chat with your local NFU office? Their number will begin 01 and not 08, 03, 09 etc., and they may be much more able to help than the national enquiries number. They will often agree to extend cover to younger persons if you have other policies with them - I had to have motor cover before they would cover my quad for example, so you might find that getting a small pension with them, or workshop cover or persuading your parents to insure through them that it can work out in your favour. The local office will advise you and are usually very helpful and friendly. Chris Quote Link to comment Share on other sites More sharing options...
qwakers Posted April 3, 2015 Share Posted April 3, 2015 i would also recommend looking at adrian flux. ive got my 7.5tonner insured with them at 1/3 of the price of nfu and no one else will touch it.... Quote Link to comment Share on other sites More sharing options...
missingsid Posted April 3, 2015 Share Posted April 3, 2015 What body does your LR have? Some of the risk is all aout the number of seats, Truck cab = less seats less personal accident claims. My work mate has a young son and it is cheaper to insure an open top sporty two seat kit car than a low power hatchback! When I insured my first LR the S1 V8 they were more concerned about seven seats than the engine! I insured it for four seats and the cost came right down! Marc Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.