insurance advice

hi,

does anybody have an idea of what the insurance would be like on a defener 90. Some people say it would be hight as they are 2.5 litre TDi's but some say it would be low as they are slow and strong vehicles. It will be for a 17 year old *ducks for cover* which will mean it be high any way, but how much do you think i would be looking at. I am looking for around a 1990/91 model.

Thanks

Craig

From personal experience i can tell you that it will be in the lower end. Make sure youy have a good look around, try www.confused.com. there are other ways too for young lads, pm me for more details..

For a 17 year old on their own policy for third party, fire and theft who has passed their test you are looking at about £1500 for the year. Variations to this would depend on location in the Uk. I am currently insured with CIS and at the age of 18 on a 1987 90 turbo it cost me £1200. This may seem steep but have a look at something like a 1.9litre diesel golf and you'd have to fork out something like £2000!! Unfortunately this is the current market dictates for you to have to pay up for your first policy.If you were to be insured on a much older persons policy you are looking at around £600 but then there is the added risk and the inability to claim no-claims bonus. When you are looking through the companies just make sure you read whats included as I was particularly lucky in that I could get unlimited EU cover and some breakdown cover. When I come to renew though it is going to be about £600 so at least it does not hurt for too long. It is certainly ironic that even though young lads are high risk, once you are over 50 the probability of you having an accident goes up but still it is cheap to be insured. I found this out from the department of transport so it is true.
Just remember if you are buying a vehicle for a 17 year old that something like a series3 or 90/110 is going to be quite alot cheaper to insure than a 200tdi defender and the larger the land rover the more as well. For me I found that a 90 turbo was the best mix of cheapness and usability and I should be able to put in a 200tdi next year.
Hope that this is of help,
Hugh.

Hi CrAIG,

The above post seems to about sum it up from my past experience. When our youngest son wanted to insure his first car a year or so ago around about £1200, tpf&t was about the average. (Wasn't a Land Rover, but was low insurance group). Taking "Pass Plus" though did save him about 30% in the end.

Also worth trying the specialist Land Rover insurers, (as advertised in all the comics).

Best of luck

Dave

thanks alot everyone, i am going to take that pass plus option as it seems to be very good. £1500 a year is not that bad considering a friend is paying £2000 a year for an m reg astra. thanks everone

for young people endsleigh are supposed to be quite cheap, there is another car insurance comparison site like confused called www.quotezone.co.uk , i think endsleigh are on their list. If you try it please tell me if it was any good, thanks

i'm 21 and just bought a landrover 90 2.5td @ around £2k
fully comp with 0 no claims but have had a liscense for 2 years the best quote is
£424 from lancaster insurance (specialist 4x4)

hope this helps

I'd give the same advice to any young lad getting their first policy, and that's avoid any of this named driver on someone else's policy nonsense (unless ofcourse it is really all you can afford) and get your own cheapest bog standard 12 month policy that will start earning you NCB straight away.

Seen a few people at the age of 20ish who have been driving a couple of years on their parents policies and not had NCB, and they still struggle to get realistic insurance, exceptions can be made, as above because £424 with 0 NCB is pretty damn good in my book.

Also don't believe all this about NCB as a named driver, a friend of mine did that with Direct Line, and come renewal they quoted much higher than other insurers, but he couldn't take his NCB as a named driver anywhere else because they wouldn't accept it, so direct line had him by the short and curlies there!

My first car was a 1.1 Fiesta, can't remember how much it cost to insure but it was a bit at the time, and I had some of the best fun on 4 wheels in that heap of toss! As for now, I have trade insurance so it insures me for anything I jump into from a Fiesta to a Landy, to a Nissan Skyline

Matt TDi said:

I'd give the same advice to any young lad getting their first policy, and that's avoid any of this named driver on someone else's policy nonsense (unless ofcourse it is really all you can afford) and get your own cheapest bog standard 12 month policy that will start earning you NCB straight away.

Seen a few people at the age of 20ish who have been driving a couple of years on their parents policies and not had NCB, and they still struggle to get realistic insurance, exceptions can be made, as above because £424 with 0 NCB is pretty damn good in my book.

Also don't believe all this about NCB as a named driver, a friend of mine did that with Direct Line, and come renewal they quoted much higher than other insurers, but he couldn't take his NCB as a named driver anywhere else because they wouldn't accept it, so direct line had him by the short and curlies there!

My first car was a 1.1 Fiesta, can't remember how much it cost to insure but it was a bit at the time, and I had some of the best fun on 4 wheels in that heap of toss! As for now, I have trade insurance so it insures me for anything I jump into from a Fiesta to a Landy, to a Nissan Skyline

Click to expand...

How do you get trade insurance?

for my landy 90 with 200tdi i pay £160 for myself and the missus. i'm 26 with 0ncb (all on other car) and she has 4 yrs ncb and is 25. neither have ever made a claim. touch wood.

When i was 19 i insured my vw scirocco with 1yrs ncb for £900 with elephant (i was on my dads as named driver for first 2 years in a volvo
i now pay £200 for that with 5yrs ncb.

So basically it may seem alot but it makes very little difference in the end. when you hit 23 ish the cost just plummits. i was also paying just £100 to insure a micra!

no use at all. sorry.

My dad is 62 and has never made a claim. His citroen xantia is £23 a year fully comp!

confused.com is a good place to start.

Putting you parents on as named drivers but you as the main driver can reduce the premium too. i used to do this

BuzzLand said:

How do you get trade insurance?

Click to expand...

Well I have it because I own my own business and am 'in the trade'. The nature of my job (welder & mechanic) means that I have to be able to drive alot of vehicles. Plus, because I also buy cars, fettle with them and sell them on, I use it for the purposes of insurance too, it also gives me trailer insurance and goods in transit, 2 other things I need.

It's not cheap at around £1900 a year with all the bells and whistles, and no insurance group limitations, but in all fairness a solitary quote on my van for business use is only a few hundred quid LESS than that anyway, and my van is part of the trade policy as a permanent vehicle.

Aslong as I carry my cover note I am insured fully comprehensive on anything I am licensed to drive, excluding plant equipment. For vehicles I have in my possession I have access to the Royal & Sun Alliance Motor Insurance Database (MID) where I can add and remove upto 400 vehicles per year so they show up as insured on ANPR cameras, and are covered for the purposes of theft etc, it also allows me to tax them online.

I used to have trade insurance until about two years ago I only used to pay about 600 quid but stuff like ferraris etc weren't covered.

hello m8 i am 17 and i drive a 1992 200tdi defender 90 i have spotlights snorkel + large front winch bumper (no winch yet but its my b`day soon haha)

I am with adrian flux insurance who do a special 4x4 insurance.
i have taken my pass plus, and i have limited mileage a year of 12,000miles a year.
im paying just under £1500 a year which isnt bad and i dont want to drive a little jap car so its well worth it and i love it. And when ur m8s spin off in the buzz wagans you can pull em out the ditches haha

good luck budd, private mail me if you want more info on the insurance phone number etc.etc. cheers Max

Thankfully I didn't have these problems(my first insurance as an 18 yo cost me £21) but it seems general advise is to shop around, the instant quote web sites are geared up to standard Euro/Japanese hatchbacks and just throw a wobbly when faced with an older Land Rover.
I know someone who's son was 17 & yet to pass his test and was paying well under a grand for a Freelander Commercial.

I have an old 90 with a 2.5 Diesel (non-turbo) I am 29 with no 2nd car no claims and it costs for me and my partner £93 fully comp. I used a price comparison website and got insurance with a company called 1stQuote

Im 18 with a 200tdi, without a no claims bonus with an nfu limited millage policy, although im not the main driver so i dont gain a no claims discount, insurance is around £400 and at that price no claims doesnt bother me. My brother has just passed and drives a pug 106 and he pays around £1400 as a named driver, even after a crash free year, he will still be paying over a grand.. so i guess it depends what u want to get out of it, a no claims bonus or a lower insurance payout.

ollie

When I started out, I became a named driver on my mum's car, then my sisters, then my girlfriends. As she became my fiancee and then wife, I stayed on hers. A number of cars / years later and many thousands of miles in the uk and around europe, I am still on her insurance.

I've never needed no claims on a car and how much money have I saved? thousands.

I do have a motorbike with my own insurance and even have full no claims, but it is sooooo much cheaper from the start that it has never hurt my wallet too much - even as a student!

1. be really nice to one or two members of your family
2. find a useful (long term) girlfriend
3. don't dump the girlfriend - you'll have to start your own insurance!!

just thought - I actually don't own a landy, my wife does!!! ah well! How come I still end up paying the bills and fixing it?

hope this helps!!!

Actually I did have one car for a month (before it got stolen) a very long time ago in 1992. It was a 1.3 astra and I got the cheapest insurance ever (£500 instead of the £1000+ the other companies were offering). After it was stolen, the company was crap and it took me 9 months to get any money out of the insurace broker. Hence the motorbikes - it was what I could afford without the insurance money. So dirt cheap wasn't the best, I would have been better paying a bit more and getting good service. That was the only car I have personally ever owned / been insured on.

dringo said:

3. don't dump the girlfriend - you'll have to start your own insurance!!

Click to expand...

LOL! I've heard of people staying together "for the sake of the kids", but this is a new one!