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stan
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Member Since: 13 Jul 2010
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England 2012 Range Rover Westminster TDV8 Santorini Black

i always use a comparison site..various companys will have introductory specials which are competitively priced..

i never go for the protected claims as that will only be effective if you stay with that particular company...

Post #508408 12th Mar 2019 11:37am
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supershuttle



Member Since: 20 Mar 2011
Location: Lancashire
Posts: 2574

England 2010 Range Rover Autobiography 5.0 SC V8 Ipanema Sand

My wife and daughter both had "protected no claims" so yes the no claims discount was protected but as they both had accidents the basic policy for my wife went up a lot and again 15 minutes on the comparison sites being honest about the date and time of the claim got me a great price. Daughter wrote her car off and it was her fault and the company she had the "protected no claims" with wouldn't insure her (I don't blame them Very Happy ) Geoff

Post #508410 12th Mar 2019 11:41am
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gj88



Member Since: 10 Sep 2018
Location: Redditch
Posts: 106

United Kingdom 2004 Range Rover Vogue Td6 Zambezi Silver

I wouldn't agree about not taking a Protected NCB, but it does depend on your circumstances.

Obviously in moving to a new insurer, they won't care that the NCB was protected, they'll just want to know if you've had a claim. If you have, whether it was protected or not, you'll have to declare it and your premium will be impacted accordingly. However, that doesn't mean it was no use, as you will still be able to apply x number of years worth or no claims. If I do some simple quotes for my own circumstances below (all from Confused as of today):

No claims, 9yrs NCB - £495
Assume 1 non-fault claim occurred that removed my NCB entirely - £808
Same 1 claim as above, but my NCB had been protected - £539

So you can see that having a decent chunk of NCB is a much bigger risk factor impacting premium than claims history alone. I agree with Stan that any new insurer won't care whether or not it was protected, but as a result of being able to maintain those non-claim years, in my circumstances I'd be almost £300 better off for having it protected. Also worth pointing out that protecting the NCB costs me on average about £25 pa, so this would eat into the premium differences. Sorry to get too detailed, but it seemed like a point to clarify!

Post #508416 12th Mar 2019 12:14pm
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supershuttle



Member Since: 20 Mar 2011
Location: Lancashire
Posts: 2574

England 2010 Range Rover Autobiography 5.0 SC V8 Ipanema Sand

Thats good to hear, I always protect it - maybe I'm not wasting money Very Happy Geoff

Post #508425 12th Mar 2019 2:05pm
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mercs600



Member Since: 19 Mar 2011
Location: North Yorkshire
Posts: 339

England 2002 Range Rover Vogue Td6 Java Black

Insured my 2002 TD6 with O2 for £145 full comp Smile

Post #508495 12th Mar 2019 9:30pm
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Captain Black



Member Since: 13 Mar 2018
Location: Cambridgeshire
Posts: 18

England 2018 Range Rover Vogue TDV6 Corris Grey

I would just like to say thank you to all who have offered advice.

I've contacted NFU and waiting for them to call me back and downloaded the comparison information ready for the conversation.

I haven't bothered to call LRI, seems just a waste of my time as well as theirs.

Ill update when it's all sorted out. Thanks again gentlemen.

Post #508577 13th Mar 2019 3:01pm
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ilard



Member Since: 21 Oct 2012
Location: London
Posts: 157

United Kingdom 

One other contributory issue is that different postcode areas can be risk rated differently by different insurance companies.
Here is a rough guide: http://www.motorcarinsuranceuk.co.uk/post-code-ratings.php#P

I live in an F* risk area. Which is exactly what I say when I see my renewal each year, so it’s very apt.

Post #508635 13th Mar 2019 11:15pm
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gj88



Member Since: 10 Sep 2018
Location: Redditch
Posts: 106

United Kingdom 2004 Range Rover Vogue Td6 Zambezi Silver

Definitely true that your postcode is a key risk factor, but it tends to get ignored because you can't reasonably do anything about it to lower the premium. So many factors make up the final price, that it's always best to tweak one factor at a time, if the price goes down, edit your quote and change something else. If it didn't go down, go back and start again.

People don't realise that even things such as your job title has a huge impact, so always worth trying a couple of others, as long as it could still be argued that what you're putting in is accurate. Moneysavingexpert has a great tool to show the differences - https://www.moneysavingexpert.com/insuranc...ob-picker/

For example, in sorting my wife's insurance, Nurse is about £30 more expensive than Staff Nurse. Both are true, so take the lower one.

Post #508665 14th Mar 2019 10:07am
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A-Plan Insurance
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Member Since: 27 Feb 2014
Location: United Kingdom
Posts: 107

United Kingdom 

Also don't forget us as site sponsor you get club discounts Smile and as a broker we use a panel of about 40 insurers many of whom are broker only so won't appear on comparison sites or be directly contactable as a client.

You'll need to call us here in Thatcham if you would like us to take a look for you - it's 01635 874646 - as we support the club and have the specialist 4x4 schemes and modified policy deals.

If you have any questions, as always you are welcome to pm me Thumbs Up
Carlie A-Plan Insurance
Call us on 01635 874646 for a quotation Click Here

Post #508786 15th Mar 2019 8:42am
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Andy B



Member Since: 03 Apr 2012
Location: West Malling
Posts: 937

England 2015 Range Rover Vogue SE SDV8 Corris Grey

Having got a renewal quote that was too high from my existing insurer, I contacted A-Plan and have gone with them. Saved a few quid and what a nice bunch of people to deal with. Great service! Thumbs Up Current : SDV8 VSE
Previous : 5.0 S/C AB, 4.2 S/C, BMW 528i, Saab 900 Turbo, Saab T16S

Post #508841 15th Mar 2019 3:55pm
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A-Plan Insurance
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Member Since: 27 Feb 2014
Location: United Kingdom
Posts: 107

United Kingdom 

Thanks AndyB!

We only employ nice people Wink A-Plan Insurance
Call us on 01635 874646 for a quotation Click Here

Post #508842 15th Mar 2019 4:03pm
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alanm_3



Member Since: 19 Feb 2011
Location: my House, unless I’m not at home, in which case I’m somewhere else.
Posts: 5865

Scotland 2008 Range Rover Vogue SE TDV8 Java Black

I once had a protected NCB with Directline and invoked it when I wrote off a car some years ago.
What they don’t tell you is that, yes they do protect your NCB but they loaded my premium by factor of 3, maybe 4, so they end result was a huge increase in my premium, even with a protected NCB. Got - 2008 TDV8 Vogue SE in Java black
Had - 2007 S/C in Stornoway Grey

Post #508939 16th Mar 2019 7:53pm
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gj88



Member Since: 10 Sep 2018
Location: Redditch
Posts: 106

United Kingdom 2004 Range Rover Vogue Td6 Zambezi Silver

They do tell you that though, obviously. Usually people saying that insurance companies don't tell you stuff means that they didn't read their policy. If they really didn't tell you, complaints procedure, FOS, money back.

As I showed with the calculations above, on the open market, still having your NCD is significantly more valuable than the premium increase from the incident. The quote from your existing insurer is almost irrelevant, they'd previously priced you as a good risk, now they don't, they don't want your business anymore so jack the premium up to prohibitive levels.

Almost without exception you're far better off having it protected when you have an accident. It's each to their own on this stuff, but the numbers don't lie

Post #508991 17th Mar 2019 1:44pm
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Cam-Tech-Craig



Member Since: 03 Aug 2011
Location: Gloucestershire
Posts: 12407

England 2007 Range Rover Autobiography TDV8 Java Black

I use A plan for one of my current private cars and have to say they are very good Thumbs Up

I used them again this year as they were again, very comparable Thumbs Up

Post #509024 18th Mar 2019 1:09am
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Captain Black



Member Since: 13 Mar 2018
Location: Cambridgeshire
Posts: 18

England 2018 Range Rover Vogue TDV6 Corris Grey

My Insurance is now sorted.

Once again I would like to thank everyone for their relevant and very useful contributions.

After further comparison checks and a bit of too and froing with NFU I have gone with NFU.

They came in at £741 which includes business cover which is £116, give or take a few pence, more expensive than the other cheapest company offering very similar same cover. However, NFU had two big advantages:

The first is financial. They provide a brand new vehicle replacement in the event of mine being stolen or written off. As far as I have seen they are the only company that provide this cover for a vehicle which is under 24months old. I have only seen (I'm sure someone will correct me) this cover for vehicles up to 12 months old. IMHO this alone is worth more than £116.

The second is more tangible and 'feeling' that has also been aired by others. I have spoken to a real person who sits in an office that is no more than 15 miles from where I live. We had an open discussion and then messed around with options and my complicated employment function description to come up with the right cover for the best price they could offer. The lady did what she said she would do, when she said she would do it, and came back to me when she said she would. That alone has a value that you can't calculate to an actual monetary value. I can't fault the service so far, although I am fully aware this is the sales phase of the arrangement. Also worth mentioning is they do not make any administration charges for any changes you might make to the policy during the term which in my case might be important.

I'm happy enough with the outcome and hopefully I won't need to test how they deal with a claim.

Thank you again everyone for your input.

Post #509238 19th Mar 2019 7:22pm
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