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AuthorTopic: 4x4 insurance HOW CAN THEY DO IT ???????  (Read 3967 times)

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Offline bobtailed disco

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4x4 insurance HOW CAN THEY DO IT ???????
« on: September 16, 2010, 13:05:59 »
It is that time of year again the insurance is due  :'( I am with sure turm last years policy was
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Offline fuzzy

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #1 on: September 16, 2010, 13:24:08 »
try frank pickles, saw them on another thread on here the other day, tried them and got my insurance down from 600 to 226!!!! only for modified 4x4s and they take no account of your no claims
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Offline bobtailed disco

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #2 on: September 16, 2010, 13:33:04 »
Quote from: fuzzy on September 16, 2010, 13:24:08
try frank pickles, saw them on another thread on here the other day, tried them and got my insurance down from 600 to 226!!!! only for modified 4x4s and they take no account of your no claims

thanks just looked at them but you have to be over 25  :(

cheers Rob
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Offline V8MoneyPit

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #3 on: September 16, 2010, 14:19:57 »
Ah, the joys of youth  :twisted:

The other one to try is Adrian Flux, if you haven't already.
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Offline muddyjames

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #4 on: September 16, 2010, 15:44:31 »
My ranger insurance last year was
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Offline Disco Matt

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #5 on: September 16, 2010, 16:44:17 »
I've heard that some insurers are frantically trying to get rid of people they consider a high risk, usually by loading their premium to a ridiculous level come renewal time.

I'm with Adrian Flux, no complaints, mods declared, have parents down as named drivers and 3rd party cover to drive other vehicles. I forget the exact premium but it was similar to muddyjames' quote.
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Offline Saffy

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #6 on: September 16, 2010, 17:54:55 »
Quote from: Disco Matt on September 16, 2010, 16:44:17
I've heard that some insurers are frantically trying to get rid of people they consider a high risk, usually by loading their premium to a ridiculous level come renewal time.

I'm with Adrian Flux, no complaints, mods declared, have parents down as named drivers and 3rd party cover to drive other vehicles. I forget the exact premium but it was similar to muddyjames' quote.

My defenders at
« Last Edit: September 16, 2010, 18:00:13 by Saffy »
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Offline mikiep1986

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #7 on: September 16, 2010, 18:08:30 »
i got a quote from lancaster for
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Offline bobtailed disco

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #8 on: September 16, 2010, 19:25:21 »
Adrian Flux did it for me in the end.
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Offline Disco Matt

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #9 on: September 16, 2010, 22:55:33 »
The greenlane cover struck me as a bit of a cheek - you're covered for lanes anyway, they're roads!

Insurers definitely abuse the fact that it's a legal requirement.
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Offline Saffy

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #10 on: September 17, 2010, 06:50:56 »
Quote from: Disco Matt on September 16, 2010, 22:55:33
The greenlane cover struck me as a bit of a cheek - you're covered for lanes anyway, they're roads!

Insurers definitely abuse the fact that it's a legal requirement.
policy small print will say something like ' highways only not byways' BUUUUUUUUUUUUUUUUT that just means you're car is not fully covered on a greenlane but you are still covered to the legal minimum of 3rd party as all polices have the words "nothing within this policy effects the right of a 3rd party to make a claim" that's law and they can't riggle out of it.  So, as long as your happy with taking the cost of any damage whilst greenlaning to own vehicle (and own body) you do not need the greenlane cover as your still legally insured and others can claim against you (including your passengers).
« Last Edit: September 17, 2010, 06:55:35 by Saffy »
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Offline Bob696

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #11 on: September 17, 2010, 07:13:34 »
Adrian Flux (using equity red star) =
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Offline lurch_917

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #12 on: September 17, 2010, 11:59:27 »
first of all rob i would have asked for a reason why the huge jump  , as with some of these automated insurers the policy starts afresh each year so you acordind to a computer somwhere are new buisness . as i had it a few years ago mine went up by over 700 quid when i asked i was told " oh sorry its been a error in the data input then it came back as 95 quid less than the year before . so always check and ask why as it could be a error like mine or as a freind found out some migrant had given his details at a smash not fun had to prove he was inocent .
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Offline fuzzy

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #13 on: September 17, 2010, 13:50:07 »
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Offline Disco Matt

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #14 on: September 17, 2010, 13:50:10 »
True, I have heard a few tales of people enquiring why their insurance had gone up vertically, mentioning that they were therefore going to switch, and as if by magic being given a more reasonable quote!  :lol:
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Offline Range Rover Blues

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #15 on: September 17, 2010, 21:07:19 »
I've never had a problem with Adrian Flux though my sister had a claim that never got paid out for which was pretty poo.

For work now I need business use for all of 4 miles a week.  Can't get it at all so it's micra or nothing from now on.

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Offline Saffy

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #16 on: September 17, 2010, 21:46:55 »
Quote from: Saffy on September 16, 2010, 17:54:55
Quote from: Disco Matt on September 16, 2010, 16:44:17
I've heard that some insurers are frantically trying to get rid of people they consider a high risk, usually by loading their premium to a ridiculous level come renewal time.

I'm with Adrian Flux, no complaints, mods declared, have parents down as named drivers and 3rd party cover to drive other vehicles. I forget the exact premium but it was similar to muddyjames' quote.

My defenders at
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Offline Terranger

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #17 on: September 19, 2010, 16:35:35 »
I went to Peter Best, in the Land Rover magazines, and have found very reasonable.

Best quotes by far, compared to others.

Got this year's quote and the price has gone DOWN this year  :dance:
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Offline eugene

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #18 on: September 19, 2010, 17:37:45 »
been with adrian flux for four years always around
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Offline DaveM0YAA

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #19 on: September 20, 2010, 01:54:19 »
i had this issue with Budget when i owned a Vectra 2.5 V6.

Insurance
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Offline V8MoneyPit

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #20 on: September 20, 2010, 09:27:48 »
Insurance companies are businesses. They are there to make a profit for the shareholders. The difference is that their products, in cases like car cover, are compulsory.
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Offline Saffy

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #21 on: September 20, 2010, 11:04:16 »
Quote from: V8MoneyPit on September 20, 2010, 09:27:48
Insurance companies are businesses. They are there to make a profit for the shareholders. The difference is that their products, in cases like car cover, are compulsory.

I'm for a compulsory State run insurance scheme  :police:
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Offline discodee

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #22 on: September 29, 2010, 20:04:08 »
aye its a rip off, theyve got it sussed here in sweden its the vehicle thats insured for any driver not like there its the driver  if the driver is under 25 than you have to tell them than you pay a little extra there is also no points system if you get caught doing something like excessive speed thenyou will get a fine then if its a scary speed you may lose your licence for a few weeks, you have the same sort of cover here you get  full ,half insurance, third party etc ,i was paying about
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Offline bobtailed disco

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #23 on: September 30, 2010, 08:27:11 »
Quote from: discodee on September 29, 2010, 20:04:08
aye its a rip off, theyve got it sussed here in sweden its the vehicle thats insured for any driver not like there its the driver  if the driver is under 25 than you have to tell them than you pay a little extra there is also no points system if you get caught doing something like excessive speed thenyou will get a fine then if its a scary speed you may lose your licence for a few weeks, you have the same sort of cover here you get  full ,half insurance, third party etc ,i was paying about
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Offline DaveM0YAA

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #24 on: September 30, 2010, 09:03:31 »
Is Sweden the place where if you're caught doing something silly they can impound your car for 24 hours?  :police:

Should do it over here, maybe if Mr. Salesrep lost his car for 24 hours he wouldn't sit up the a*se of someone doing 70mph trying to bully them out of the way because of the meeting he's late for.
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Offline tomo-tdi

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #25 on: October 09, 2010, 22:31:51 »
im under 25 and i used adrian flux and i would recommend them to anyone
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Offline kizz81

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Re: 4x4 insurance HOW CAN THEY DO IT ???????
« Reply #26 on: October 10, 2010, 00:11:18 »
does anyone around the age of 20 get insured on a range rover 3.5 on carbs, fully comp for less than the 1k mark?
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