Insurance - advice please.

Hi everyone. And in particular anyone who's an insurance expert.....
I have bought a 2002 Discovery, which will be partly used to access hills and mountains around Scotland where I do environmental survey work. It is standard today, but I plan to make some changes for better driveability and off road use; many of the tracks I use are in very poor condition. Changes will be to remap the ECU - phase 1 I imagine, de-EGR, de-cat downpipe, perhaps some other small changes, some underbody protection.
After checking on many forums, I came up with a list of 4 insurance companies that LR owners recommended. Called all of them yesterday and only got one to provide a quote - £780 fully comp. Problem seems to be the work. They all say that without that I would have no problem.
But I am 48, this is a second vehicle, I am sole driver, it will be kept off road in the rural Highlands, 3 years NCB, 5000 miles/annum. Yes, got 2 SP30s from 2008 and 2009.
Can anyone give me any tips as to who I might speak to? The 4 I tried are NFU, Frank Pickles, Snowball (closed down?) and Adrian Flux. AF gave me the £780 quote.
Really hoping I don't have to go with that price.
Cheers,
joecrow.

Joe are you a member of the Highlands 4x4 Response group? AF gives a standing 10% off

Thanks Dave Roberts.
Interesting reading - Highland 4x4 Response. No, not a member. I will give them a call, but as I am out around the Highlands all the way down to the Borders for weeks doing survey fieldwork I am not sure they would be interested. Or if I could be that helpful.
Back to the insurance search.....
Cheers, joecrow

Skynet said:

Joe are you a member of the Highlands 4x4 Response group? AF gives a standing 10% off

Click to expand...

AF give ya a discount for being on here too.

joecrow said:

. - £780 fully comp. Problem seems to be the work. They all say that without that I would have no problem.
But I am 48, this is a second vehicle, I am sole driver, it will be kept off road in the rural Highlands, 3 years NCB, 5000 miles/annum. Yes, got 2 SP30s from 2008 and 2009.
Can anyone give me any tips as to who I might speak to? The 4 I tried are NFU, Frank Pickles, Snowball (closed down?) and Adrian Flux. AF gave me the £780 quote.
Really hoping I don't have to go with that price.
Cheers,
joecrow.

Click to expand...

I think you might find that it's not the work so much as your planned upgrades to the ECU and that you will not be getting any NCB. They say that they what to know what NCB you already have, as an assessment of overall risk, but will not be giving you any NCB.

Have you tried your current insurer for a second vehicle? You could also try Lancaster.

Tazz

Thanks Tazz.
Having spent about 8 hours talking with a host of insurers and brokers, I am now going back to my usual broker and am going to hold off on any mods for now. Can't justify the 780 from AF, and anyway, they put a limit of 5000 annual miles, which would not be enough for me. My broker has no companies that will consider mods. The more people I have talked with, the more it seems that either mods OR business use are fine, its just that they are not set up to combine the two.
I am now planning the 'standard' mods/improvements that I could do to get the best out of the TD5. Without any ECU modification.
Thanks anyway for the tip.
Cheers,
joecrow

Who would know you modified the ECU, EGR and downpipe anyway?

finallysnapped said:

Who would know you modified the ECU, EGR and downpipe anyway?

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The bloke paid by the insurance company to go over your car with a fine comb when some numbty hits you and you have to claim.

Google work insurance as im sure some one must, ok its on a different scale but the leccy boards ect have modded wagons as do mountain rescue teams and they need vehicle insurance.