May be loosing my landy :(

Just been on the phone to insurance who said they wont renew my policy next year for me being to higher risk as i changed the parts of the policy apparently, the cheapest i been getting quoted for around £2.5k which is crazy. im 19 so not looking good! defiantly not getting rid of it though, its going on the drive once policy ends and gonna do a full rebuild and lots of pics so not all negative, apart from the fact i will be driving a 1.4tdi polo instead of my v8 landy

Would they renew it if you removed a few of the parts so they no longer consider you to be such a 'high risk'?

Dan_Trials said:

Would they renew it if you removed a few of the parts so they no longer consider you to be such a 'high risk'?

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Not as in mods as in swoped cars 3x during policy from a 200 disco to a polo 1.6petrol and then current disco and apparently that makes me high risk tried all 4x4 insurance place today and local brokers but nothing under £2k so think will be treating disco to nice bit of TLC and when im abit older with some of my own NCB hopefully be cheaper

bencorkill said:

Not as in mods as in swoped cars 3x during policy from a 200 disco to a polo 1.6petrol and then current disco and apparently that makes me high risk tried all 4x4 insurance place today and local brokers but nothing under £2k so think will be treating disco to nice bit of TLC and when im abit older with some of my own NCB hopefully be cheaper

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Did you try adding a parent to the insurance policy as a named driver (NOT MAIN)?

When i was 19 that made a huge difference to the policy price. Not really sure why, but, meh,


(Parent needs to have own vehicle, driving for a long time, clean licence, no illegal crap going on, etc.)


Oh, or you could just insure a polo then change it back to the disco after a month?

Bump said:

Did you try adding a parent to the insurance policy as a named driver (NOT MAIN)?

When i was 19 that made a huge difference to the policy price. Not really sure why, but, meh,


(Parent needs to have own vehicle, driving for a long time, clean licence, no illegal crap going on, etc.)

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Yeah tryed both ways, with one as main just to see price difference was £2.2k me as main was £3k and with thm on policy was £2.5k gives me along time to get it sorted though, may even put a 4.6 in it ha

Mate, have a look at aviva! Didn't look into the fine print and you gotta phone about mods but my renewal is coming up so have been looking around and they're coming back around £500 cheaper than most places 4x4 insurance places.

Guvnor said:

Mate, have a look at aviva! Didn't look into the fine print and you gotta phone about mods but my renewal is coming up so have been looking around and they're coming back around £500 cheaper than most places 4x4 insurance places.

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Tried them today, 3.8k they wanted!

Try getting a quote with elephant online they seem to do a pretty good deal. as others have said, get parents on ye insurance! And if you have a NCB even better!

Im 20 with one years NCB and managed 810 quid on my 90 with 5000 miles a year and an accident declared on my fault.. Last year it was only a grand try Adrian Flux..

abcdedd said:

Im 20 with one years NCB and managed 810 quid on my 90 with 5000 miles a year and an accident declared on my fault.. Last year it was only a grand try Adrian Flux..

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Will do some more quotes tomorrow, its a disco v8 which probably doesn't help, and a london postcode will try flux tomorrow and elephant

admiral? they were the only ones that would insure me on my punto gt reasonably. I got quotes of anything over £3k all over, rang admiral and it was £700 for 10 months to get my no claims up.

try Admiral, thts who im with and there pretty cheap for all kinds of motors

Adrian Flux are a brokers though, that's why some people have better experience with them than others.

Gonna do some serious quote getting tomorrow thanks for advice but i still think its lookin bleak, but positive side is will get time to have it off the road and do some work it needs

V8 and london thats bad news, good luck with your search.

Don't forget to get it SORN if you take it off the road. If you don't then it must be insured stil

bencorkill said:

Gonna do some serious quote getting tomorrow thanks for advice but i still think its lookin bleak, but positive side is will get time to have it off the road and do some work it needs

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try moving to an aunts place in the sticks,


nuffin eleegal tho`

me and my wife moved both our cars to admiral on a multi car policy because they would insure my teenage daughter in her first car (renault kangoo 1.4) for £750 fully comp.
the lady i spoke to at admiral was telling me what i need to do to get the price down.
even our insurance with them was cheap. and i ring round every year.

Try Greenlight Insurance

Would it be worth selling it and buying a Tdi one? I know it will be slower and not make the nice noise but at least you will have a landy you can use and it will be better in the wet stuff

another one to try is tesco insurance, it got my missus car down to £400 from quotes of around £1000