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Thread: Seriously Modified Defender Insurance $100K cover??? Is it doable?

  1. #1
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    Seriously Modified Defender Insurance $100K cover??? Is it doable?

    As per the title, and seeing as I’ve just spent $70K on top of the $60K plus that I’ve spent on my 2012 110 on top of its purchase price, for the people who have insured their highly modified/accessorised late model 110, who are you insured with and for how much etc if you’re comfortable sharing?

    I’m Rating One, full No claim bonus.

    I’ve currently insured with Club 4X4 for $80K (dropped $10K by them this year which Im not impressed by) and I’m looking at $100K insurance after fitting the LS3 6.2 V8 and 6 speed auto conversion/up rated running gear, ARB BP51 suspension etc etc.

    Please, let’s not turn this into bagging insurance companies or quotes for $60K Defenders, just highly modified and high value cover towards the $100K mark.

    Thank everyone.

    Ken
    C7347EEA-AFB4-4EE5-9BBB-67BF4D144472.jpg

  2. #2
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    What do the guys that build show cars do ? They would be pretty much in the same category I have found Shannons to be OK and they created no fuss at all increasing the cover on m y old Falcon ute, but not at the 100K price range

    Regards,
    Tote
    Go home, your igloo is on fire....
    2014 Chile Red L494 RRS Autobiography Supercharged
    MY2016 Aintree Green Defender 130 Cab Chassis
    1957 Series 1 107 ute - In pieces
    1974 F250 Highboy - Very rusty project

    Assorted Falcons and Jeeps.....

  3. #3
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    As my old insurance broker said years ago, you can get insurance for anything if you're willing to pay the premium.....

  4. #4
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    Try Club 4x4 again. They did the same thing to me at renewal time, dropped the value by $10k (and mine's nowhere close to having the mods yours does so it was a massive % drop), but after a bit of negotiation they put it back up again.
    Dan

    '14 Def 110
    '75 Lightweight
    '98 300Tdi Disco (gone)
    '80 2Dr Rangie Classic (gone)

  5. #5
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    I was going to say Shannons (all of my Landy’s are with them) but wasn’t there a stink recently with Shannons? Something about if you go through a water crossing you’re not covered?
    88 Perentie FFR - Club Rego
    93 Discovery 1 200 Tdi - Club Rego
    03 130 Td5 Single Cab
    06 Discovery 3 Petrol
    22 Defender 90 - Full rego

  6. #6
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    Shannons

    I contacted Shannon’s recently at renewal time when comparing options against Club 4X4.

    They had no idea about Defenders, and actually looked at Car Sales while I was on the phone with them. I could hear them talking. They wouldn’t insure my vehicle above $60K at the time.

    I will contact them again, but if they are not good at covering the vehicle for actual 4X4 activities, then I’ll give them a miss. At least I won’t have to listen to Glen Ridge carry on while on hold again!

    Quote Originally Posted by grey_ghost View Post
    I was going to say Shannons (all of my Landy’s are with them) but wasn’t there a stink recently with Shannons? Something about if you go through a water crossing you’re not covered?

  7. #7
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    It does seem a bit hit and miss with them - if you get a good operator that is. Maybe ask if they have a Land Rover specialist?
    88 Perentie FFR - Club Rego
    93 Discovery 1 200 Tdi - Club Rego
    03 130 Td5 Single Cab
    06 Discovery 3 Petrol
    22 Defender 90 - Full rego

  8. #8
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    GG, yep, I’ll call them tomorrow to discuss.

    Ive sent off a request to Club 4X4 again, and DGA. I’ll keep searching the net for specialist 4X4 insurers, and post the details here.👍

  9. #9
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    I hear you on the insured max of $60 thou. I've previously run into that problem with RACV Insurance except their max was a mere $40 thou.

    Perhaps consider saving your sanity and getting an insurance broker to do all the running around for you. It's in his best interest to make you happy.

  10. #10
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    Just because you have spent all this money, it doesn't mean it is worth what you have spent - but then again maybe it is - I dont know.

    You need to take the vehicle to a professional valuer that is recognised by the insurance industry and get a proper valuation. Certainly many of the mainstream insurance companies will not insure it as it is modified - with many of these companies like Allianz, as soon as you tick the modified box you will get a message that they are not prepared to insure.

    Get a recognised valuation certificate and see how you go from there.

    Garry
    REMLR 243

    2007 Range Rover Sport TDV6
    1977 FC 101
    1976 Jaguar XJ12C
    1973 Haflinger AP700
    1971 Jaguar V12 E-Type Series 3 Roadster
    1957 Series 1 88"
    1957 Series 1 88" Station Wagon

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