Tdi Defender Insurance? also insurance value?

[VladTepes]

Who has what insurance for their Tdi Defender.

Mine is a 1995 Defender 130 HCPU

My current insurer (Affinity Insurance Brokers) will only do an 'agreed value' of $14,274 (odd number) INCLUDING the accessories (listed as 2" suspension lift, air compressor, bull bar, snorkel, towbar, driving lights, winch, UHF radio, and dual battery system.

Of that they value the vehicle at around $9,800 with accessories just over the $4K mark.

Jeez, I wish I'd only paid that.

2 nominated drivers, both old buggers, 60% no claim bonus.

My annual premium is $1,293.

What have other people got theirs insured with, and how much etc ?

Naturally I need a 'real' insurer that will cover my vehicle when it's, well, off-road ! :)

[strangy]

Try Shannons.
Premiums a bit more than half yours and AV nearly 4 times yours.

[filcar]

I'm with Club4x4, premium is less than that and agreed value much much higher.

[skidrov]

Try Shannons.
Premiums a bit more than half yours and AV nearly 4 times yours.
+1...

[incisor]

+ 2

[Shoogs]

+ 3

[VladTepes]

So what agreed value do you reckon I'd be able to snaffle?

[incisor]

depends what you want to pay

pick the price you think it would cost you to replace it and go from there

i got $15k for around $550 / yr

but it depends how many days a week you drive it and if it is in a shed etc etc

[Shoogs]

So what agreed value do you reckon I'd be able to snaffle?

They had to check pricing on my Camel via the UK in the end we ended up agreeing on sufficient amount and yes how much I drove it and where it is stored, suffice to say they recognised the value, and quite well priced for locked up, private garage and only driven a month a year, but anywhere.

[VladTepes]

Ha ha my garage is nowhere near tall enough for the Defender to fit in.

Thanks all. I'll do some maths on the weekend.

[Shoogs]

I would just call Shannon’s, they go out of there way to assist and ask every question, some I had not thought of, very good to deal with.

[alan48]

Hi, no harm in trying Club 4x4 also--I have my puma 130 and MUX with them and set max car value then added all the extras and much cheaper than say normal ones like NRMA etc. Also have my rebodied stage one ambulance with coils, discs,pas etc and all they wanted were some photos to see what on earth it was and went comprehensive when Classic NRMA refused to cover it as 'I used it for camping' yet NRMA Classic very good for my Game --as I don't use it for camping!

Also of course try Shannons and then decide.
Alan

[DiscoMick]

RACQ, but we have several insurances for vehicles and houses with them, so it's hard to compare with a single policy.

[VladTepes]

I enquired with RACQ some time ago (years) and at the time anyway they would NOT cover for off-road work. Only if it was a designated roadway would it be covered. Not much use for 4wd in the forests etc eh.

[bemm52]

If you want agreed value Shannon's seem the most helpful but you pay for it
Seems the older the vehicle more the premium goes down but they have a monthly pay option
eg MY 66 2a 88 agreed value 15k $240......MY 13 130 agreed value $60k $850
Market value sucks for Series or Defenders you've got to buy back into the market.....especially with Pumas

Cheers Paul

[Colmoore]

Shannons

[VladTepes]

Freaking Club 4x4 want photos and full lists of values of accessories etc before they will quote.
What a PITA given that some of the stuff I need insurance for actually isn't mounted to the vehicle just at the moment....

Also waiting for Shannons to contact me back.

[DiscoMick]

See what deal they offer if you put up a package of vehicles and house and contents insurance. Before you ring use the online calculators on several insurance sites. Then ring up the lowest and ask for a better deal. Then ring the next lowest and see if they will beat the best one. Etc.
Also play around with with the numbers in the policies.
We just saved $250 on the premium for our house contents by haggling.

[sid]

I've just insured my new (to me) Defender '99 130 TD5 with Shannons for an agreed value equal to the purchase price of $16.5k. Cost a bit (approx $900), but seeing I had to borrow some cash to buy it, having comprehensive insurance was a no-brainer. Rang Club 4x4, they were the same as all the other insurers and would only offer a max agreed value of about $10k based on redbook values.

[VladTepes]

So I've gone from

Affinity Insurance Brokers. Agreed value $14,274 (odd number) incl accessories, annual premium is $1,293.

to

Shannons. Agreed value $23,000 incl accessories, annual premium $648.

So I count that as a win.

[sid]

So I've gone from

Shannons. Agreed value $23,000 incl accessories, annual premium $648.

So I count that as a win.

Mind if I ask - do you have any past claims or demerits? Wondering why my lower insured value results in a higher premium...

[incisor]

Mind if I ask - do you have any past claims or demerits? Wondering why my lower insured value results in a higher premium...

will be the number of days a week he said he drives it IMHO ?

[VladTepes]

sid - yes. A few speeding fines, and a claim (withg Shannons) 3 years ago which resulted in a repairable write off.
inc is right - mine is not a daily driver - maybe 2 kms / day taking the dogs to dog park, and some weekends.

All might no be quite as rosy though. I estimated 150,000kms whereas its actually 187,xxx
The lady did say "its not up around 180 or 200 is it" to which I said I don't think so but will check.

So I'm afraid the insurance value will drop and/or premium rise... eeeek!

[weeds]

- maybe 2 kms / day taking the dogs to dog park, and some weekends

You drive a mere 2km to exercise the dogs.....

[sid]

Aha, that makes more sense. Mine's a daily driver and I think I estimated ~15,000km per year driving.
cheers.

[VladTepes]

Well, I rang Shannons - they said they hadn't even recorded the kms so no worries, values stay as is. Cool.


You drive a mere 2km to exercise the dogs.....
I drive to the dog park.

I can't walk two VERY excitable and barky dogs there together on my pat Malone.
Not only do they want to chase other dogs but they are adept at slipping out of collars... heads and necks too close in size....

[bemm52]

I found Shannon's very helpful, when I phoned them to see if taking my 130 on a trip for a couple of months (limited KLMs policy like most)would effect my policy they said no problems.

How ever what they say and the reality of an interstate claim could be problematic, they are an insurance company after all.....I was surprised they didn't require some kind of recorded evidence for yearly mileage

Cheers Paul

[gromit]

A few years ago when renewing the insurance on my '95 Tanami Shannons wouldn't go above about $10K agreed value and the premium was around $700 on limited Kms. At the time my work vehicle, value $48K was costing $750 on unlimited Kms.
I contacted RACV Classic because I insure two other Land Rovers on Club Permit with them. Upped the agreed value to $12K (which looking at prices probably isn't enough) and the premium dropped to about $380 on limited Kms.
As others have found, the companies don't actually ask for the Kms on the vehicle which is odd on a limited Kms policy ?

Not covered off road so I'll have to get someone to drag the vehicle to a gazetted road if I have a problem but if I start using it seriously offroad again I'll look around.


Colin

[Corgie Carrier]

If you are over 50 try APIA

I have multiple policies with them.

Don't currently have a 4x4 with them but my D1 was cheap, under half what a broker could get for me.

My commodore ute is valued at $16,500 and costs $423 a year

4x4s are covered "Anywhere in Australia"

[Vin Rouge]

Suggest getting a comparison quote from



Lisa Brock



Arthur J. Gallagher



Direct: +61 8 8172 8134 | Ext: 80134 | Fax: +61 8 8172 8100




I've been with them for nearly ten years now and they seem competitive with the pricing. My only claims have been for broken windscreens but each time it's been fixed with no hassles.