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rrover9



Member Since: 03 Jun 2020
Location: London
Posts: 3

22 year old insurance

Hi, I'm a young driver 22, turning 23 in a few months, living in London. I'm planning on getting a 2013+ Range Rover in the next few months, I ran a check to see if I can get insurance & there's absolutely no quotes at all! Anyone want to suggest any ways that a young driver could get insurance? Brokers? Family? Any other ways?

Post #556356 3rd Jun 2020 1:25pm
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Roystonh



Member Since: 21 Nov 2011
Location: Kent
Posts: 395

United Kingdom 

Hi

Sounds like it will be expensive!

I am with “A Plan insurance” (there might be some links in this site) or google for info.

They are pretty good at high risk - would be a good place to start.

Cheers Roy 2005 L322 Vogue Gold gone
2006 L322 Vogue Black gone
2011 L322 Vogue Silver gone
2011 L322 Autobiography Black gone
2015 L405 Autobiography LWB Black gone
2019 L405 P400e Range Rover Autobiography LWB Eiger grey / black roof gone
2001 P38a 30th Anniversary Wimbledon Green gone
2019 L405 P525 Autobiography LWB British Racing Green

Post #556359 3rd Jun 2020 1:36pm
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Haylands



Member Since: 04 Mar 2014
Location: East Yorkshire
Posts: 7879

England 2014 Range Rover Autobiography SDV8 Loire Blue

Try a broker, make them work for their money and find you a quote, don't be scared to ask them to contact the underwriters and have a barter over price... Thumbs Up Pete

__________________________________________________
2014 L405 Autobiography SDV8 4.4 Loire Blue Ebony interior
2011 L322 Vogue SE 4.4 TDV8 Baltic Blue. Parchment over Navy Interior. Sold
2012 L322 Autobiography 5.0 Supercharged Ipanema Sand, Jet Interior. Sold
2002 L322 Vogue 4.4 V8 Epson Green, Ivory over Aspen Interior (Fatty Offroader) Sold
-Click for Project Fatty off roader-

Post #556360 3rd Jun 2020 1:41pm
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Joe90



Member Since: 29 Apr 2010
Location: Hampshire
Posts: 6397

England 

I have a 22 year old policy on my classic MG - but that is a different thing Laughing .
Experience is the only genuine knowledge, but as time passes, I have forgotten more than I can remember Wink
Volvo V70 P2 2006 2.4 Petrol 170bhp Estate SE
MG Midget Mk1 1962

Previous: L322 Range Rover TDV8 3.6 2008; L322 Range Rover TD6 3.0 2002; P38A Range Rover V8 1999

Post #556362 3rd Jun 2020 1:48pm
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AJGalaxy2012



Member Since: 11 Jun 2018
Location: Gainsborough
Posts: 1446

United Kingdom 2012 Range Rover Vogue SE 4.4 V8 Bonatti Grey

This may sound mad, Adrian Flux, declare your Range Rover model and modify it quite a bit eg, stage 1 cams, mapped etc etc and you may be surprised. When my boy was 17 he had a Fiesta and was paying £2500 fully comp, he fitted a 1700cc PUMA engine, big exhaust, lowered suspension the works. Adrian Flux insurance £970 fully comp. He later changed to a standard 1300 Fiesta and they wouldnt insure him.

Insurance is crazy, just try it ! BMW i3 Electric Car
2012 Full Fat RR 4.4 TDV8 (now gone)
2006 VW Touareg 3.0 TDi V6

Post #556372 3rd Jun 2020 2:42pm
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rrover9



Member Since: 03 Jun 2020
Location: London
Posts: 3

Really! That's crazy! I'll check it out How do I modify it after buying and without having to pay insurance, nor be liable to do so? With a SORN while its in the garage?

Post #556379 3rd Jun 2020 4:12pm
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rrover9



Member Since: 03 Jun 2020
Location: London
Posts: 3

Haylands wrote:
Try a broker, make them work for their money and find you a quote, don't be scared to ask them to contact the underwriters and have a barter over price... Thumbs Up


Cheers I'll check this out and A Plan

Post #556380 3rd Jun 2020 4:13pm
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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: 6646

Scotland 2017 Range Rover Autobiography SDV8 Loire Blue

I think the reality of the situation is that they have a huge aversion to a relatively new driver getting behind the wheel of a very big, very heavy car, capable of creating immense carnage and destruction.
Small cars going fast are 1 thing, very big cars doing the same multiply the potential for the insurance company to have immense payouts.

I wish you you luck in your search for anyone that will be willing to take the chance. Got - 2017 SDV8 Autobiography in Loire Blue
Had- 2008 TDV8 Vogue SE in Java black
Had - 2007 S/C in Stornoway Grey

Post #556382 3rd Jun 2020 4:24pm
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Rob99



Member Since: 03 May 2016
Location: Gatwick
Posts: 1328

United Kingdom 2017 Range Rover Autobiography SDV8 Santorini Black

You could also try adding an older driver with a good insurance record as a named driver, that usually makes a big difference, even if they will never drive it.

My 18yr old nephew added his dad and his quotes halved overnight!!

Admittedly he wasn't in a £40k FFRR...... Shocked Shocked 2017 4.4 SDV8 Autobiography
2012 4.4 TDV8 Westminster - Gone, but not forgotten

Post #556395 3rd Jun 2020 5:42pm
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LiftedDisco



Member Since: 13 Nov 2019
Location: Towcester
Posts: 31

England 

I think others have pretty much summed it up already - it ain’t going to be cheap and it ain’t going to be pretty...

If you genuinely ‘have’ to have a L405 in London, then expect to have your pants taken down and get roundly spanked for the necessary insurance!

My thoughts would be to look at Bell - they are part of Admiral and specialise in younger driver insurance with the fitment of a black box which you would typically have for 3 months. Depending on your driving style, you then stand to get a (small) discount after the initial 3 month period and they also award an initial NCB after just 10 months, allowing you to benefit quicker when you come to renew.

Admiral might also be worth a try if there are other family cars - do it on a multi-car policy but I think Bell would be your best bet in the first instance.

Good luck!!!

Post #556397 3rd Jun 2020 5:53pm
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Brian Considine



Member Since: 15 Apr 2019
Location: Garlinge
Posts: 428

United Kingdom 

Or, you could be patient & do what many other young drivers do - get a small run about, use it for a couple of years, gain some experience & NCB.

Beware of insuring people who will never drive the car or getting an older driver to insure it for you - insurance companies are getting wiser & wiser to these "grey" area's & the last thing you want is to have a claim refused. 2003 Range Rover Vogue TD6

Post #556411 3rd Jun 2020 8:08pm
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paulbrown22



Member Since: 23 Dec 2017
Location: London/Poole
Posts: 350

United Kingdom 2011 Range Rover Supercharged 5.0 SC V8 Stornoway Grey

London is a massive part of the problem as well with an RR, due to risk of theft and other insurance considerations.

I bought my 2011 L322 5.0 S/C when I was 32, with a flawless diving history and no claims discount since I was 17, and that still costs me nearly £1000/year in London (Canary Wharf), and there wasn't a huge choice of insurers. If it was at my home in Poole, Dorset would be more like £300-400/year.

I started this vehicle with Admiral, then MoreThan offered a very competitive quote for 1 year, and am now back with Admiral again. My previous TD5 Defender 110 SW only cost £350/year insurance in London, but my wife persuaded me to swap for something more "comfortable"!

Post #556497 4th Jun 2020 1:28pm
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DrF



Member Since: 30 Jun 2014
Location: South East
Posts: 1229

United Kingdom 2013 Range Rover SVAutobiography 5.0 SC V8 Orkney Grey

Have you tried the NFU, all of my cars are insured with them and they are brilliant. my daughter has a 4.8 Turbo Porsche Cayenne and shes only 24 and no problem insuring her and cost was good, maybe because i have 8 cars insured with them helps ?

Post #556528 4th Jun 2020 5:30pm
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Andy S



Member Since: 16 Jun 2013
Location: Sevenoaks
Posts: 944

United Kingdom 2015 Range Rover Vogue SE SDV8 Aintree Green

Not sure NFU will cover a car kept in London cheaply. They like covering stuff in rural areas or market towns. I’ve got car and home cover with them. Good on Land Rover, but pricey on the Mini JCW which insured with Allianz.

As Brian says, ask yourself if you really need such a car in London at your age. At 23 I was driving around London in a leggy Triumph Acclaim. Cheap as chips, reliable and got the NCD down. Meant when I could finally get my hands on a decent car I’d got max NCD and I’d moved out of London so didn’t get rogered for insurance.

If you really want one and can afford to meet a premium measured in £000s then go for a broker. Expect an eye watering premium and huge excess and almost certainly the requirement of a secure tracker.

Post #556533 4th Jun 2020 6:00pm
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Weegie



Member Since: 09 Jun 2014
Location: East Sussex
Posts: 3186

Scotland 2008 Range Rover Vogue TDV8 Stornoway Grey

Agree with above but if you can afford it and it's what you want whose to say no?

Quote:
At 23 I was driving around London in a leggy Triumph Acclaim


At his age I was driving around Glasgow in a 1938 Ford 8 banger. Sad John
2008 Stornoway Grey 3.6 Tdv8 Vogue
2005 TD6 Java Black Vogue - Written off!!
GAP iiD BT
2003 Discovery TD5 Auto, Nanocom Evolution - gone to a new home!
MasseyFerguson 152 - No electronics!! - Sold

Post #556534 4th Jun 2020 6:08pm
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