Disco 3 (LR3) Insurance renewal plus mot

gstuart · Oct 13, 2023

just got my renewal , wow, just wow, from A plan which doubled since,last year just under £1100 , did call them but alas was considered to be under the entire Land Rover tree , ie keyless entry

Went on confused and compare the market and got a basic quote from Hastings for £380, with breakdown cover, key, protected ncb etc it came to £520 which indeed is a good saving

That’s with a full clean licence since 1986 and 12 x years ncb

Also found confused.com cheaper than compare with the same insurance provider

Best of all mine passed its mot today , plus my new discs, calipers and pads etc fitted , only advisory is about the rear lower arms , which I’ll get done very soon along with the rear tie bars + tracking

Knew premiums were going up but didn’t realise they were doubling, will also be interesting to see what FFRR and D4’s premiums will be this year , for me on a 2016 D4 it’s just over £2,800

Stanleysteamer · Oct 13, 2023

gstuart said:
just got my renewal , wow, just wow, from A plan which doubled since,last year just under £1100 , did call them but alas was considered to be under the entire Land Rover tree , ie keyless entry

Went on confused and compare the market and got a basic quote from Hastings for £380, with breakdown cover, key, protected ncb etc it came to £520 which indeed is a good saving

That’s with a full clean licence since 1986 and 12 x years ncb

Also found confused.com cheaper than compare with the same insurance provider

Best of all mine passed its mot today , plus my new discs, calipers and pads etc fitted , only advisory is about the rear lower arms , which I’ll get done very soon along with the rear tie bars + tracking

Knew premiums were going up but didn’t realise they were doubling, will also be interesting to see what FFRR and D4’s premiums will be this year , for me on a 2016 D4 it’s just over £2,800

At those prices I don't know how anyone can afford to run them. We couldn't.
But the renewal being more expensive than taking on a new policy is par for the course, despite it being almost illegal.
You have to wathc them like a Hawk..
If you are over 50 try SAGA provided you haven't modified it. We are both with them and they don't whack the premuiums up, or if they do you can talk them down again. They even do 3 year fixed rate deals.

gstuart · Oct 13, 2023

Stanleysteamer said:
At those prices I don't know how anyone can afford to run them. We couldn't.
But the renewal being more expensive than taking on a new policy is par for the course, despite it being almost illegal.
You have to wathc them like a Hawk..
If you are over 50 try SAGA provided you haven't modified it. We are both with them and they don't whack the premuiums up, or if they do you can talk them down again. They even do 3 year fixed rate deals.

plus 1 as indeed if the cheapest quote had been £1100 I would be forced to sell the D3 , did also check what a 2016 FL2 was and that came out at £900

think LR have a lot answer for with the keyless entry system as by doing so made the premiums extremely expensive

many thks ref saga , something To think about next year when my renewal comes in from Hastings

gstuart · Oct 13, 2023

Why has car insurance gone up and what does Martin Lewis advise?

High prices driving you up the wall?

metro.co.uk

Admiral attributed the recent car insurance rise to several factors, including:

Severe weather changes – Extreme changes between hot and cold can have a detrimental effect on cars
Car theft increases – An increase in car theft has also driven up the cost of claims
Rising cost of car repairs – Inflation has led to an increase in labour costs
Energy crisis – Admiral claim the steep increases in the price of energy have added around £70 to the cost of some repairs
Delays to the import of parts – There has been a delay to the importation of parts, meaning cars will likely be off the road for longer, and courtesy car costs will increase

Stanleysteamer · Oct 13, 2023

gstuart said:
plus 1 as indeed if the cheapest quote had been £1100 I would be forced to sell the D3 , did also check what a 2016 FL2 was and that came out at £900

think LR have a lot answer for with the keyless entry system as by doing so made the premiums extremely expensive

many thks ref saga , something To think about next year when my renewal comes in from Hastings

Hers the page from MySaga showing renewal premiums including legal etc and full recovery for both mine and W's cars.

Both are limited mileage. mine I think is 5000 hers is 3500. She has just saterted another 3 year fixed price one, I argued a bit more and mine is just for the one year. Fully comp, me and W to drive only.

gstuart · Oct 13, 2023

D3 just been dropped off, pleased at least the brakes are now all done

rear lower wishbones + tie bars and tracking need doing , going to see if a local garage can give me a quote, plus timing belt and oil pump will also need doing, hopefully it’s not silly money

alas just can’t afford to replace it , like everything will see how much longer I can keep it going for as indeed is such a lifeline for me

biketeacherdave · Oct 13, 2023

Stanleysteamer said:
At those prices I don't know how anyone can afford to run them. We couldn't.
But the renewal being more expensive than taking on a new policy is par for the course, despite it being almost illegal.
You have to wathc them like a Hawk..
If you are over 50 try SAGA provided you haven't modified it. We are both with them and they don't whack the premuiums up, or if they do you can talk them down again. They even do 3 year fixed rate deals.

Stay away from sage I paid 300 last year they wanted 1200 or so this year for my v8 D3 my fullfat went up 20 quid but still under the 400 mark with AXA iv no idea what my sport will be as it's not due till next april that's with AXA as well.

Stanleysteamer · Oct 13, 2023

biketeacherdave said:
Stay away from sage I paid 300 last year they wanted 1200 or so this year for my v8 D3 my fullfat went up 20 quid but still under the 400 mark with AXA iv no idea what my sport will be as it's not due till next april that's with AXA as well.

Can't agree with that.
We have been with Saga for our standard vehicles for years now, including my D2. They don't rip us off, we spens 6 months of the year abroad and as far as I know they are the only insurer who do not blink at that AND they provide recovery abroad for the whole period too.
I have posted my MySaga page which shows the premiums. See post #5. I don't know how anyone can argue with that.

I was with Axa before and had a heck of a game getting them to pay up when one of their other customers, a Belgian, ran into me. Totally the other guy's fault and he admitted it on the "constat amiable". The broker was Lancaster.

It doesn't kill you or anyone else to talk to them about your premium, witness the screenshot I put up re mine and the wife's Citroen Pluriel.

lynall · Oct 14, 2023

gstuart said:
D3 just been dropped off, pleased at least the brakes are now all done

rear lower wishbones + tie bars and tracking need doing , going to see if a local garage can give me a quote, plus timing belt and oil pump will also need doing, hopefully it’s not silly money

alas just can’t afford to replace it , like everything will see how much longer I can keep it going for as indeed is such a lifeline for me
View attachment 299937

If I remember correctly you had the oil pump done last Cambell change?
If so all you need is the cam belt and pulleys

gstuart · Oct 14, 2023

lynall said:
If I remember correctly you had the oil pump done last Cambell change?
If so all you need is the cam belt and pulleys

Bless u as didn’t realise that as indeed had the oil pump changed , plus got the rear belt done , don’t know if that also has to be done

Some of the quotes I got were 1500 to do the belts without new oil pump

Also need to see if I can try and do the rear lower wishbones / tie bars myself

Did look underneath yesterday and can see I need to do my dinitrol again , will also look behind my sill panels to ensure there’s no rust etc

Suppose as they say it comes in threes , lol, just seriously struggle with my back but maybe I could do the under seal and wishbones over several months in the spring time as it starts to warm up

Thks again

biketeacherdave · Oct 14, 2023

Stanleysteamer said:
Can't agree with that.
We have been with Saga for our standard vehicles for years now, including my D2. They don't rip us off, we spens 6 months of the year abroad and as far as I know they are the only insurer who do not blink at that AND they provide recovery abroad for the whole period too.
I have posted my MySaga page which shows the premiums. See post #5. I don't know how anyone can argue with that.

I was with Axa before and had a heck of a game getting them to pay up when one of their other customers, a Belgian, ran into me. Totally the other guy's fault and he admitted it on the "constat amiable". The broker was Lancaster.

It doesn't kill you or anyone else to talk to them about your premium, witness the screenshot I put up re mine and the wife's Citroen Pluriel.

Talking to saga didn't help any I'm 55 clean licence no claims decent post code off road parking max no claims discount.
I signed the car over to the wife she got a policy for 600 quid with AXA with 2 claims to her name 1 for car hit while parked the other vandalism.....go figure both were total losses.

Stanleysteamer · Oct 14, 2023

biketeacherdave said:
Talking to saga didn't help any I'm 55 clean licence no claims decent post code off road parking max no claims discount.
I signed the car over to the wife she got a policy for 600 quid with AXA with 2 claims to her name 1 for car hit while parked the other vandalism.....go figure both were total losses.

Did you actually ask them why it was so high? I'd be intrigued. Maybe it's your job, that can make a big difference, "licensed trade" for instance. Maybe they think you'd drive a car like you'd ride a bike. Though to me that means you'd be very safe.
Very weird and I'm sorry you had so much trouble.

biketeacherdave · Oct 14, 2023

They were unable to tell me why so high, I'm a bike instructor, advanced driver and trainer and rospa gold .......iv got a have class 1 u der my belt .
The car was social and pleasure only needless to say when they want x3 as much as previous I moved company.

lynall · Oct 14, 2023

gstuart said:
Bless u as didn’t realise that as indeed had the oil pump changed , plus got the rear belt done , don’t know if that also has to be done

Some of the quotes I got were 1500 to do the belts without new oil pump

Also need to see if I can try and do the rear lower wishbones / tie bars myself

Did look underneath yesterday and can see I need to do my dinitrol again , will also look behind my sill panels to ensure there’s no rust etc

Suppose as they say it comes in threes , lol, just seriously struggle with my back but maybe I could do the under seal and wishbones over several months in the spring time as it starts to warm up

Thks again

How many miles since last cambelt?

Stanleysteamer · Oct 14, 2023

biketeacherdave said:
They were unable to tell me why so high, I'm a bike instructor, advanced driver and trainer and rospa gold .......iv got a have class 1 u der my belt .
The car was social and pleasure only needless to say when they want x3 as much as previous I moved company.

It makes no sense at all. Maybe the actuary, or one of his minions, made a simple mistake. As you say, it seems extremely unlikely that your job made the negative difference.
Not worth troubling the insurance ombudsman probably, even if he has the right to dig into it.
I do understand how naffed off you must be.

gstuart · Oct 15, 2023

lynall said:
How many miles since last cambelt?

just checked and it’s around 2,000 miles since 2016 , blimey I didn’t realise I done such low mileage but is such a lifeline for me picking up prescriptions, hospital appointments etc

lynall · Oct 15, 2023

gstuart said:
just checked and it’s around 2,000 miles since 2016 , blimey I didn’t realise I done such low mileage but is such a lifeline for me picking up prescriptions, hospital appointments etc

In that case new belt and tensioner only, other two idler pulleys can go again, save yourself some money.
I did mine the other week, think last change was 7 ish years and 50k ago, everything still looked good.

gstuart · Oct 15, 2023

lynall said:
In that case new belt and tensioner only, other two idler pulleys can go again, save yourself some money.
I did mine the other week, think last change was 7 ish years and 50k ago, everything still looked good.

Many thks and good to know , did see an extremely small oil leak on the oil pump but in a year my engine hasn’t used A drop of oil , which reminds me I must do another service next year , have a vacuum oil pump down the dip stuck which saves me having to get underneath

drives me insane from before I done my back in I was lifting series 3 gearboxes in and out to do a clutch and nothing was ever to much trouble to work on , now very soul destroying

thks Again

lynall · Oct 15, 2023

gstuart said:
Many thks and good to know , did see an extremely small oil leak on the oil pump but in a year my engine hasn’t used A drop of oil , which reminds me I must do another service next year , have a vacuum oil pump down the dip stuck which saves me having to get underneath

drives me insane from before I done my back in I was lifting series 3 gearboxes in and out to do a clutch and nothing was ever to much trouble to work on , now very soul destroying

thks Again

If it's not dripping it is not an oil leak, misting and sweating are nowt to worry about.
I like the vac pump, but she takes to long so I cut a 3 inch round hole in the steel undertray to make changes faster.

gstuart · Oct 15, 2023

lynall said:
If it's not dripping it is not an oil leak, misting and sweating are nowt to worry about.
I like the vac pump, but she takes to long so I cut a 3 inch round hole in the steel undertray to make changes faster.

Many thks

Must admit find it harder messing around with the filter than the oil change , currently have the undertray off and like that idea of drilling a hole

For me will likely use the vacuum pump and just make a cuppa , lol

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