Defender Insurance

[Witchdoctor]

Looking at renewing the 90's insurance.

Thinking about all the time & money I've spent on my truck & now they will never be made like what i own. The insurance payout if the truck is written off as market value is total rubbish.

How many, if any have an agreed value on their Defenders?
Are all the accessories added?
What is the agreed value?
How much for this type of cover?

Thanks Members

David

[Tombie]

Agreed value on D4 and new for old on 90 (fat load of good but pays full price)...

Both with CGU...Covers everything.

D4 is about $700. The 90 is around $750

[manofaus]

Max value for a 2000 td5 130 hcpu is 13k. Glass guide and redbook value. I could not get a big name insurance company to go over this. Even with evidence of a low km and looked after vehicle. Ended up going to shannons. But would only insure using initial purchase price. But will increase it with evidence of improvement after policy has been started. Cost about 150 dollars more to go from 13k to 20k. I tried youi and they did say they would do agreed value but would not list it on policy. Only when you make a claim they would then assess the vehicle against current market value at that time. Too up in the air for me. I did ask what wiuld happen if it is stolen and not recovered how do they assess it then.. she said she will talk to supervisor. Then i was told they would take my word for it .... which really means we will give you your 13k unless you can prove otherwise.

[Witchdoctor]

Just got a price from Allianz for $50K agreed vale cover for $860 per year

Sounds ok but going to keep trying.

Cheers
David

[mekon76]

most I could get was $63 K for the 2015 110. Probably doesn't cover all the extras on it.

[zapt]

I had the same problem, only company that would insure the car for what I payed was Shannon's. All the rest were 10k under

[n plus one]

I just went to a specialised 4wd insurance broker - found me a policy that covers every accessory at an agreed value ($20k north of redbook) and covers anywhere in oz (whether a gazetted road or not). Was cheaper than my previous policy too.

[Rick Fischer]

Would also have said Shannons

[Witchdoctor]

I just went to a specialised 4wd insurance broker - found me a policy that covers every accessory at an agreed value ($20k north of redbook) and covers anywhere in oz (whether a gazetted road or not). Was cheaper than my previous policy too.

What is the name of your 4wd broker Rick?

[Turtle130]

We went with DGA insurance brokers after much internet research. They have a plain english policy which covers us everywhere. Cost was only slightly higher than 'mainstream' companies and underwritten by allianz.
The biggest thing we found when researching was to examine the fine print about off road coverage, it can be enlightening to say the least as to what some class as off road.

Sent from my Nexus 7 using AULRO mobile app

[n plus one]

What is the name of your 4wd broker Rick?

DGA, same as Turtle130.

[ATH]

Recently heard that RACWA are no longer insuring Defenders or any other vehicle which hasn't an ANCAP4 rating or better. If I find this to be true when the Deafeners policy comes up for renewal, that will be the end of a long standing relationship with them.
I nearly cancelled all our policies when they put up our van insurance by over 30% recently for no reason except 1 very small claim for damage amounting to a couple of hundred bucks, less than a third of a years premium.
I complained and was given a "loyalty discount"..... but the premium still increased by approx. 12%.
This is the second run-in I've had with them recently and will be looking very carefully before I renew anything with them now.
AlanH.

[loneranger]

We have all our insurance with Racwa and we had the same with our camper trailer insurance recently. I shopped around and provided them with a cheaper quote which they didn't quite match but did reduce the premium significantly so we stayed with them because I've had a few claims recently and had no problem getting things sorted.

Something to consider is that when we had that big storm a few years ago not all insurance companies had assessors in WA.

Sent from my SM-G920I using AULRO mobile app

[Graz]

Looking at renewing the 90's insurance.

Thinking about all the time & money I've spent on my truck & now they will never be made like what i own. The insurance payout if the truck is written off as market value is total rubbish.

How many, if any have an agreed value on their Defenders?
Are all the accessories added?
What is the agreed value?
How much for this type of cover?

Thanks Members

David

Try Shannons. I have agreed value (25 grand) and accessories like Aluminium canopy, generator, engel, roo bar and folding boat trailer covered. (they are fixed to the rig)

[Will Wallace]

I went with Shannon's for an agreed value of 20k for 900 a year with all accessories covered.

[barkingmad]

Has anyone tried Lumleys? I use them for my old Jag and they were significantly cheaper than Shannons.

[Avion8]

I had my Series 1 80" insured with Lumleys, as no one else seemed interested. Then I met Shannons at a car show & they agreed to a big discount if we insured all of our vehicle with them, even the old Grey Fergie which never leaves the property. I am going to get a quote from Lumley's for the 90" Heritage as Shannons will not give me salvage rights on a new vehicle, where Lumley's indicate they might.

[Longtimer]

Mine is through RACWA.
They haven't blinked at insuring it, and I can add my items to the policy and change the value with a phone call. They do require verification inspection on some things, but they haven't asked me to show 'em yet.
I have previously heard rumors of this company, or that one, not insuring due to lack of airbag, or low amcap rating, but it seems to be all bulls*#t.

My 1.4 cents worth.....


Cheers,

Phill.

[BilboBoggles]

Interesting the comments on Youi, they have to be the most unpleasant sales team I've ever dealt with - it's a bit like walking down a crowded street in bangkok with dollars sticking out of your pocket....


My decision ended up being based not on the total loss scenario, but on the case of a repair. For me a total loss is a chance to start again, but dealing with a ****ty repair is something you have to live with.

At the time I was dealing with accident damage on a 4 week old defender - I spoke to the Land Rover Panel shop who I had selected to do the repairs and asked them who was the easiest insurance company to deal with. The insurance company I was with at the time were pretty good, and used new panels and allowed it to be repaired to as new condition - except that they refused to replace a scratched alloy wheel (even though this accident was not my fault) instead insisting it be repainted. In the scheme of things this was a minor issue as they did well on the other repairs - but it's that short changing on a new car that some insurance companies take to extreme. The manager recommended Shannons, as the one insurance company that takes the vehicle seriously and will fix it to a really high quality - apparently they would have ordered me a new alloy without question.

So I switched all of my vehicles to Shannons. They are not quite as good as the previous company in touchy feely area - for example no rental car whilst your car is being repaired - which my previous company offered - but they are $600 cheaper.

So for me - the important thing was to find out how well repairs are carried out - some of those insurance companies are very difficult for your repairer to deal with and that's not a good thing.

[DiscoMick]

Recently heard that RACWA are no longer insuring Defenders or any other vehicle which hasn't an ANCAP4 rating or better. If I find this to be true when the Deafeners policy comes up for renewal, that will be the end of a long standing relationship with them.
I nearly cancelled all our policies when they put up our van insurance by over 30% recently for no reason except 1 very small claim for damage amounting to a couple of hundred bucks, less than a third of a years premium.
I complained and was given a "loyalty discount"..... but the premium still increased by approx. 12%.
This is the second run-in I've had with them recently and will be looking very carefully before I renew anything with them now.
AlanH.

Not sure if RACWA is different, but RACQ were quite happy to insure our 2009 Defender. They weren't as cheap as Youi, but we have several insurances with RACQ so overall its a good package.

[The ho har's]

Shannons for 3 of our vehicles. And they throw in $10,000.00 enthusiast insurance for the workshop for free:D Sorry $640.00 for all 3 though 2 are on Historic registration.

Mrs hh:angel:

[Witchdoctor]

Ok Guys,

We are going to go with DGA under written by Allianz.
Agreed value of $50,370 that covers the truck & most accessories for $858.00

Thanks for all the help

David