Insurance time

[karlz]

Ready for my first renewal for a 2015 Defender 110.
Current quote is $680 for market price, using Budget direct in Melbourne.

But what is market price?
Should I better insure for agreed value?
Ive got heaps of add on's, i.e. Winch, bullbar, roof rack, tow bar, side steps......

In addition, a little bit wary about cover whilst "offroad".

Any advice appreciated.

[Tombie]

Contact DGA they'll be one of the few that will cover everything.

[grinna1965]

i was with budget until yesterday,the max they would insure my car for was $52000.i called shannons said i wanted to insure for $70000 they said $65000
until i sent them a photo & they said yes no problem it cost $1298 but it is insured for what its worth and i have first option to buy back if anything happens.hope this helps

[DieselDan]

I've just gone through this.
I was also with budget for the first 2 years of my Defender's life (although that was over $800/yr on a 14MY also in Melbourne so you were doing well!).

I rang/emailed/filled out online requests with a few places and only club4x4 and DGA ever got back to me.

After being told redbook valued my 110 at about $40k and then having exactly the same conversation about 'market value' and emailing them a link to a list of 14MY 110s on carsales all asking over $50k, only club4x4 agreed to up the value of my 110. Still not up to the $50k mark, but did include over $10ks worth of accessories on top of the value of the car.
Ended up being about $1100, but cover includes anywhere you're legally entitled to be (track or no track) and recovery from anywhere.

[lump_a_charcoal]

Insurance is not an area in which to skimp, IMO.
When you need it, you will be glad that you chose a premium policy.
If you have a bunch of accessories and you cannot choose your agreed value, then go to another insurer.
DGA did it for me.

[karlz]

Common thread seems to be DGA. Funny I never heard of them before.
Anyway, I have sent off a request for quote to them.

[Jesters Td5]

Common thread seems to be DGA. Funny I never heard of them before.
Anyway, I have sent off a request for quote to them.

I ended up with Shannons as the only ones willing to insure me for true value. As a bonus (sadly it's a bonus now days) is they will recover and repair from any gazetted road or track, or any track that you are legally allowed to be in and found on a registered mapping service like HEMA.

Cost about $80 more than nearest quote, but that bit about recover and repair even single vehicle accidents won me over

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