Defender Insurance

[landy]

It's that time again!
I'm currently with AAMI and the agreed value is $12,800. The accessories total amount is that again and there is no way I could replace the basic vehicle for $12,800 let alone get half what I've already put into it.
I know insurance is a heart ache but does anyone know of a better insurance option.
It's taken me six years to get the car to wear I want it and if it got written off or stolen i don't think I'd buy another 4WD. I couldn't do it all again.

Cheers,
Nino.

[Safari]

Hi,
I'm insured with Youi and have not had a claim yet. However when I changed over they were considerably cheaper. Last year I rang up as I thought they had bumped the price up a bit and talked to a helpful guy. To make the policy cheaper he changed the policy to nominate a value for the extras and market value for the vehicle. This lowered the premium but still pays out the extras at an agreed value in a total loss. I shop around each year and they still beat all the others. Cheers Rob

[MBRRC]

Hi Nino,

Give shannons a call, I have my 88 classic insured with them for $16500.00 and cost me $600 a year, which is cheaper than the previous year with a different insurer and it was only insured for $5000.00 with them.

Cheers,
Matt

[tequesta]

Here in Melbourne, I'm with Youi. Had a claim for a new windscreen after hail damage, and it was process quickly. I pay about $50/month for a MY12 Puma 90.

[synthium]

I am with TIO in the NT. I have a defender 130 - 300tdi 97 with quite a few accessories.
They have quoted the market value to be 15500 which I am pretty happy about considering I paid considerably less for it.
I didn't shop around however coz I wanted to get it insured ASAP and been too lazy to look to see if there is a better deal.

[debruiser]

I thought that AAMI was pretty good. They did me a good deal on my 2013 90.

[cooperrat]

I am with shannons for my MY13 90..agreed 50000 value and insured for off road. around 1600 from memory..

[MR LR]

Shannons... Insurance for motoring enthusiasts. They'll look after you.

[Witchdoctor]

What ever company you select for your insurance, read were they state your pride & joy & your premium is covered off road!
There is no point allowing the sales person telling you it is covered, if not in writing, no point paying the policy.

More than likely if you are insured by one of the big boys, pull out your policy and find were its insured off road.

Sorry for been the fun Police
2012 90 $700

David

[Pickles2]

I am with shannons for my MY13 90..agreed 50000 value and insured for off road. around 1600 from memory..
$1600?.....a good deal?......I DON'T THINK SO!!!...What are others paying?
Cheers, Pickles.

[Drover]

2008 SVX
Agreed value with Shannon's at $57,000

Extra listed on the policy include
- 8" rims with 285/75x16
- 50mm lift
- bulbar/Winch
- Black Widow drawers/cargo barrier/top shelf.
- Engle fridge
- Snorkle
- Roof Rack
- HID Hella's

Per annanum $997.24.

Very happy with Shannons.

AAMI who I had been insured with for a million years wanted $1600 for agreed value at $42,000.

[schuy1]

Weird how much they vary considering that Shannons , and AAMI are all owned by the Suncorp insurance group! O_O

[landy]

It's very interesting that so many people have said 'Shannons'. I'm a rating one driver and hadn't had a claim in the last ten years when I applied with Shannon's on line. It would not except my claim and said to ring a consultant. It turned out that Shannon's would not insure me as the accessories total more than 50% of the market value.
Anybody had dealings with TCIS?

Nino.

[sdt463]

My 1999 defender 130 is insured for market value $23000 with accessories, by Affinity isurance brokers. for $532 a year including one windscreen a year. :D:D
Dave

[dawsey]

Im old,, with aami 2013 110 never made a claim $507 a year insured for $54,000
plus extras,,

[debruiser]

since we are all flopping it out...

2013 90, AAMI, $680/yr agreed value $47K, excess $600.

Check out your excesses.... Although from what I've seen and could work out, from memory if you lift the excess from 500 to 1000 you will only save money IF YOU DON"T CLAIM in the first 5 yrs of the policy (I think that's what I figured out) SOoooooo if you plan on claiming keep your excesses low. If you're like me and you NEVER plan on claiming then lift the excess some to save a bit of cash each year. I didn't get too excited when I lifted it, the MRS was restraining me.... I wanted to lift it to $1000 and how much damage to you really have to do to rack up $1000! not very much imo.

[debruiser]

Im old,, with aami 2013 110 never made a claim $507 a year insured for $54,000
plus extras,,


That is a very valid point these days as well. Also where you live, if you lock the old girl up, how many times you've had an at fault claim.... traffic infringements...

The list goes on and on. Mainly I think they just look for excuses to overcharge. That's why my series 3 is only on "bomb" insurance.

[Sue]

Shannon's here also.. they were the only company that would insure most of my accessories including fridge etc..

Insured for agreed value of $55,000 I pay $1100 a year. Also insured for all off road including 4WD drive parks - as long as I am not competing in an event it is covered. I'm happy enough with that as I was paying a very similar amount but only covered for $35,000 and no off road work with allianze.

[gromit]

Have to look around again soon. 1995 Defender, struggled to get the agreed value up to $11K with Shannons and no salvage rights. Just over $700 last year for low Km usage.
At the same time, insurance on a current $45K vehicle was $750 with RACV :confused:


Colin

[BilboBoggles]

One thing I look at when I choose an insurance company is how the allow their repairs to be carried out. For example I had an experience with AAMI where they would not let the repairer I chose fix the car as the repairer wanted to fix, they forced them to use many use parts. The repair experience was not very good.

I'm now with RACV and just had a brand new Defender T Boned. RACV were pretty good, allowing all new panels . The only area they cheaped out on was repainting a rim instead of replacing it.

There are only three Land rover authorised repairers in Melbourne, 2 are crap, and the only good one is where I took the new Defender. I asked the manager there who they have the least hassle with. He said Shannons... So I've started switching over to them.

(Having said that RACV were excellent with handling the claim, and supplying a rental car.)

RACV $1184 for Top level Comprehensive on a MY13 110 Limited Edition $59,900 agreed value.

[Pickles2]

One thing I look at when I choose an insurance company is how the allow their repairs to be carried out. For example I had an experience with AAMI where they would not let the repairer I chose fix the car as the repairer wanted to fix, they forced them to use many use parts. The repair experience was not very good.

I'm now with RACV and just had a brand new Defender T Boned. RACV were pretty good, allowing all new panels . The only area they cheaped out on was repainting a rim instead of replacing it.

There are only three Land rover authorised repairers in Melbourne, 2 are crap, and the only good one is where I took the new Defender. I asked the manager there who they have the least hassle with. He said Shannons... So I've started switching over to them.

(Having said that RACV were excellent with handling the claim, and supplying a rental car.)

RACV $1184 for Top level Comprehensive on a MY13 110 Limited Edition $59,900 agreed value.
Very interesting information, Thank You.
Who are the 3 LandRover authorized repairers in Melbourne?
I hope I never have to use one, but it would be good to know who they are, as they are obviously thought to be familiar with the product, which would be of help to them in doing an "OE/Factory" repair, and also good for owners to know, so that they could direct their vehicles to these repairers if they wished, in the hope of getting the perfect OE/Factory repair.
Cheers, Pickles.

[Michael2]

Is there an insurance broker on this forum?

Maybe they can work out a club deal for aulro.

[BilboBoggles]

Very interesting information, Thank You.
Who are the 3 LandRover authorized repairers in Melbourne?
I hope I never have to use one, but it would be good to know who they are, as they are obviously thought to be familiar with the product, which would be of help to them in doing an "OE/Factory" repair, and also good for owners to know, so that they could direct their vehicles to these repairers if they wished, in the hope of getting the perfect OE/Factory repair.
Cheers, Pickles.


They used to be listed in the owners manual, have not looked for a while though. I've had personal experience with all three. I can't name them now cause I slagged off two of them. But lance dixon has a very good reputation. They are also factory approved for Bentley, Ferrari, Lamborghini.... Spectacular visiting them....

[Spencer72]

Just picked ny new 2013 110. RAC Insurance $640 for agreed value. Policy says insured offroad in permissable areas eg. On legally nominated 4wd tracks, beaches authorised for vehicles. Im happy with that as that is the realm of my adventures

[VladTepes]

Shannons !


You do need to be very careful re coverage off-road. I looked into thsi quite extensively and the two top contenders here in Qld were Shannons and Suncorp. Last time I got quotes Shannons were more competitive (for me YMMV). From experience Suncorp has EXCELLENT claim handling.

[BilboBoggles]

Just picked ny new 2013 110. RAC Insurance $640 for agreed value. Policy says insured offroad in permissable areas eg. On legally nominated 4wd tracks, beaches authorised for vehicles. Im happy with that as that is the realm of my adventures

Just be careful about travelling on marked tracks, that happen to be closed - as you are then travelling on an illegal road.

[gruntfuttock]

Shannons said they will not cover my Defender as it is registered as a business vehicle. APIA said they would, but will have to look into the fine print, that is yet to be explored