disco insurance any idears?

[cluffy]

hi guys abit of a toughy hear, looking at selling me car to get a disco 200-300tdi. Im 28 an have 7 years nc. Any idea what sorta price insurance would be fully comp? Whos the best out their to use?

[Disco_Stu]

NFU Mutual. About £500 I would have thought.

[cluffy]

do thay charge for vehicle mods ie lift kit bumpers larger wheels/tyres etc?

[diggerdog36]

NFU are good, Adrian Flux are good for modified vehicles, Id have thought less than £500, Im 26 with a Td5 with mods, only 2 years no claims and its only £420 with Norwich Union.  My sister is a manger for AA insurance and she says they add 10% per item for modifications, but they are different to accessories, like roof racks and towbars. Those are usually free to add to your policy.

[cluffy]

diggerdog many thanks thats given me a balpart figure to work to. Its about the same as my car.

[Disco_Stu]

NFU charge 10% for mods too.

[muddyjames]

I'm with adrian flux and 26yr old and have 2-3 years ncb on the disco but full ncb on my other car so they give me full ncb on my premuim.

They dont charge any extra for any mods as long as it isnt to do with power upgrades, so lift kits, snorkels etc etc etc are all free. You still have to declare them all though.

I pay £350 3rd party fire n theft (cant see the point in fully comp for a £2k disco that I wont get 2k for in a claim)

I was on a limited mileage policy but to up grade to unlimited it was £3. yes £3  :doh: no brainer really!! :lol:

they have come in the cheapest for 3 years running now and if you haggle with them they will come down in price or throw in extra things like protected ncb for example. Also I am covered for off roading and treasure hunts.

[lee celtic]

Try snowball..(you'll find them in the mags)

as long as you tell them all the mods the price is the same as a standard car.....

I've been with them for three years and had to claim once (lady ran into the back of me ) all sorted very quickly really..

The mark of a good insurance company is'nt how cheap they are, it's how they deal with a claim..

ps. they are cheap too  :dance:

[crazymac]

I'm with MCE, they advertise in the Landrover mags.

3 years NCB, winch, snorkel, etc

£183 fully comp. OK I am 40 but still :roll:

[cluffy]

when i phoned the pru (current car insurer) i was told i couldnt have a 2nd vehicle added to my policy. If i wanted another car it would be a new policy and no no claims!

[muddyjames]

that is what I do for both my cars. Doing them together is £100 cheaper but it means you end up with car insurance for both cars running out on the same day for ever more. I prefer to have the cars insurance split by 6 months to give me time to save up again!

[peasey]

Im with loydds tsb and pay £198 tpft im 36 with 7 years ncb cant comment on claim dealing eficiancy as i havent claimed,did it all on line.

[Disco-andy]

im 26 with 6 years no claims and i pay, £280 300tdi with lots of mods, with adrian flux. and added a second car and they let the carry the no claims accross.

[muddyjames]

im 26 with 6 years no claims and i pay, £280 300tdi with lots of mods, with adrian flux. and added a second car and they let the carry the no claims accross.

is that fully comp?

[Disco-andy]

yep thats fully comp, with limeted millage of 5000m but i changed the car half way through so have told them about my 500m since the being of the year :?

[muddyjames]

blimey. so how comes we both have the same car and same age and same full ncb but yet I am paying more for 3rd pft?? I have had no claims ever either.

Only difference is you can do 5000m but I only had to pay an extra £3 for unlimited.

How annoying.

[beast5680]

mine costs about £170 i think from adrian flux but no mods and fully comp they were quite good at renewal cos they were way above that price like over £100 more but said if you can find a better quote they,ll beat it so we did only thing you have to watch is they,ll renew without telling you if you dont contact them

[DurtyDisco]

Adrian Flux 4x4 insurance for me, good prices and don't add on for modifications. Been with em for years and rthey always price match whatever I find as long as it's like for like!

[bobtailed disco]

i am with sureturm direct i found then the cheapest but you have to play them on the quote. My last years was about £500 and the renewal for this yea came in at ova £1500 so called them said i was gonna stop it got a call back about an hr l8er asking why i wanted 2 stop it told them the price. After about 10 phone calls got it down to £330 :-)
Rob

[crazymac]

i am with sureturm direct i found then the cheapest but you have to play them on the quote. My last years was about £500 and the renewal for this yea came in at ova £1500 so called them said i was gonna stop it got a call back about an hr l8er asking why i wanted 2 stop it told them the price. After about 10 phone calls got it down to £330 :-)
Rob

They would still not get my business!! Sureterm tried that with me years ago, exact same scenario. When they phoned me back with the much cheaper quote I told them to [!Expletive Deleted!] off! They asked why? I said don't try to rip me off with mahoosive increases then change your mind! Give me your best quote 1st time or you don't get my business!!

[bobtailed disco]

i am with sureturm direct i found then the cheapest but you have to play them on the quote. My last years was about £500 and the renewal for this yea came in at ova £1500 so called them said i was gonna stop it got a call back about an hr l8er asking why i wanted 2 stop it told them the price. After about 10 phone calls got it down to £330 :-)
Rob

They would still not get my business!! Sureterm tried that with me years ago, exact same scenario. When they phoned me back with the much cheaper quote I told them to [!Expletive Deleted!] off! They asked why? I said don't try to rip me off with mahoosive increases then change your mind! Give me your best quote 1st time or you don't get my business!!

I was up to about the ninth phone call but what they were offering i couldent beet anywhere else.

[Disco_Stu]

Sureterm refused to even send me a claim form when my Rangie caught fire and burnt out on the motorway, I was fully comp - they said they didn't cover mechanical or electrical faults! Barring petrol bombs, what else causes vehicle fires?

I called the ombudsman, then their underwriter, NIG Skandia, I had a pay out of the full paid value and contents within 10 days. I wouldn't use sureterm again, even if they were giving free disco's away with every policy.

The cheeky gits then took £600 out of my account 8 months later - the car was written off [Edited]. When I complained they then made prank calls to me for the rest of the week.
Bunch of unprofessional d**kheads IMHO.

Stu.

[landymad]

im 18 i drive a 200tdi with mods. 1800 adrian flux 1 years ncb

[JumboBeef]

V8 LPG, fully comp, full NCB with Flux and full business use: £250.

...then again, I'm ancient.

(43 :D )