Disco 2 Insurance seems high

Bantam1 · Nov 13, 2018

Compared to the 110 I had the insurance on the Disco 2 is much higher.
Strange really because I always felt the 110 was at risk of theft and I dont have the same worries with the Disco.
The 110 was probably worth more despite being older too . . . .
We are only talking 180 quid to 261 quid and I dare say there are some of you who pay twice that to live in a concrete jungle, neverythe less its still a big difference.

Jamiegreen · Nov 13, 2018

Still beats 3 grand

Same insurance company or did you go through a comparison website?

swatts70 · Nov 13, 2018

Bantam1 said:
Compared to the 110 I had the insurance on the Disco 2 is much higher.
Strange really because I always felt the 110 was at risk of theft and I dont have the same worries with the Disco.
The 110 was probably worth more despite being older too . . . .
We are only talking 180 quid to 261 quid and I dare say there are some of you who pay twice that to live in a concrete jungle, neverythe less its still a big difference.

Sounds reasonable to me. I'm paying £300 fully comp, £50 excess and off roading cover included with Adrian flux.

neilly · Nov 13, 2018

swatts70 said:
off roading cover included

Unusual to have that covered??? most cover green laning as that is not off roading , but to cover off roading , pay and play etc is unusual, I will ask AF next time I renew.

Cheers

johnlad · Nov 13, 2018

neilly said:
Unusual to have that covered??? most cover green laning as that is not off roading , but to cover off roading , pay and play etc is unusual, I will ask AF next time I renew.

Cheers

I packed in asking flux for any cover and switched to Brentacre, been with them 2 years now and the renewal was £70 less than flux wanted for a new customer, doesn’t sound a lot but when overall cost is £210, it’s a big chunk, and they don’t charge extra for an agreed value.

AdamD1 · Nov 13, 2018

My td5 auto D2 is quite a bit more to insure than the D1 300tdi, this does have a tuning box on it though so may well just be that.

Disco1BFG · Nov 13, 2018

Bantam1 said:
Compared to the 110 I had the insurance on the Disco 2 is much higher.
Strange really because I always felt the 110 was at risk of theft and I dont have the same worries with the Disco.
The 110 was probably worth more despite being older too . . . .
We are only talking 180 quid to 261 quid and I dare say there are some of you who pay twice that to live in a concrete jungle, neverythe less its still a big difference.

Try A-Plan - Good in our experience, but we've not had a claim ....... ( usual caveat - just a customer etc... )

swatts70 · Nov 13, 2018

neilly said:
Unusual to have that covered??? most cover green laning as that is not off roading , but to cover off roading , pay and play etc is unusual, I will ask AF next time I renew.

Cheers

Just checked policy to make sure, lol.
Does cover what I need in terms off roading, also as one of my shoots also has a dedicated off road course built for private use by the landowner, driving around the land whilst shooting would be classed as gaining access to and from his course for insurance purposes

neilly · Nov 13, 2018

swatts70 said:
Just checked policy to make sure, lol.
Does cover what I need in terms off roading, also as one of my shoots also has a dedicated off road course built for private use by the landowner, driving around the land whilst shooting would be classed as gaining access to and from his course for insurance purposes View attachment 162680

Shirley, this would be 3rd party only, otherwise you buy a cheap motor , hoon around, trash your motor and they would pay to fix it? or write it off and you get your money back!! seems very open to abuse. I will have to call AF and see if I have this or not.

Cheers

swatts70 · Nov 13, 2018

Dunno, but I thought that all insurance covered 3rd party damage even on private land as a legal requirement.
I live in a group of 3 houses with a private driveway and if I damage another vehicle parked here my insurance has to cover any damage caused even though its on private property and not a public highway.

Bantam1 · Nov 13, 2018

Jamiegreen said:
Still beats 3 grand
Same insurance company or did you go through a comparison website?

Well through AFlux but I dont know whether its the same company.
3 grand! that's obscene.

Bantam1 · Nov 13, 2018

swatts70 said:
Sounds reasonable to me. I'm paying £300 fully comp, £50 excess and off roading cover included with Adrian flux.

Yeah I think its ok just cant understand why the 110 wasa cheaper, unless there are some stats that say the D2 is higher risk.

Jamiegreen · Nov 13, 2018

Bantam1 said:
Well through AFlux but I dont know whether its the same company.
3 grand! that's obscene.

Just part of the fun of being a young lr owner

Could be worth a check just popping your details through compare the market or something to see what prices come up, Aflux might match if you find one cheaper.

Bantam1 · Nov 13, 2018

Jamiegreen said:
Just part of the fun of being a young lr owner

Could be worth a check just popping your details through compare the market or something to see what prices come up, Aflux might match if you find one cheaper.

Thankfully you live in Wales as I do; if Manchester it would be twice that, lol

Disco 2 Insurance seems high

Bantam1

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