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Thread: Discovery 4 insurance rates

  1. 24th February 2024, 10:51 AM #1
    Arapiles
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    Discovery 4 insurance rates

    Just got my new comprehensive insurance quote - about $600 more than last year and guaranteed value was less than current market for low ks D4s. The rate included big discounts for length of membership so the full insurance quote was probably about $5,000. My employer also offers insurance and the best they could do, with staff discounts, was just under $4,000 and their non-staff rate was about $5000 so probably similar to my current insurer's full rate.

    I have a Rating 1 as I haven't had an accident that was my fault since the 1980s - but my car does live on the street.

    Are others having this issue with their D4s or is it also the case with other makes? Is there any insurer that is actually cheaper?
    Arapiles
    2014 D4 HSE
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  2. 24th February 2024, 11:14 AM #2
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    shanegtr
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    Personally I think that is an insane amount for insurance. For that cost I'd go 3rd party and put the extra into my own savings - either that or sell the car and find something cheaper
    Shane
    2005 D3 TDV6 loaded to the brim with 4 kids!
    http://www.aulro.com/afvb/members-rides/220914-too-many-defender-write-ups-here-time-d3.html
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  3. 24th February 2024, 11:18 AM #3
    DiscoJeffster
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    Where are you located?
    I’m paying about $1200 per annum for my D4 with agreed value of around $30k with RACWA. I did recently get quotes and they were nearly double but nothing near the numbers you’re talking.
    2010 TDV6 3.0L Discovery 4 HSE
    2007 Audi RS4 (B7)
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  4. 24th February 2024, 01:15 PM #4
    Arapiles
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    Quote Originally Posted by DiscoJeffster View Post
    Where are you located?
    I’m paying about $1200 per annum for my D4 with agreed value of around $30k with RACWA. I did recently get quotes and they were nearly double but nothing near the numbers you’re talking.
    Melbourne and agreed value of $60k - $70k: RACV is quoting $2,800.
    Arapiles
    2014 D4 HSE
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  5. 24th February 2024, 01:47 PM #5
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    Ferret
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    Quote Originally Posted by DiscoJeffster View Post
    ...I’m paying about $1200 per annum for my D4 with agreed value of around $30k with RACWA. I did recently get quotes and they were nearly double but nothing near the numbers you’re talking.
    No idea at how they arrive at what they do. Me - RAC, D4 MY11, agreed value ~$34k, premium $804. But that is due for renewal in Jun24 so we will see what happens then.
    2024 RRS on the road
    2011 D4 3.0 in the drive way
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  6. 24th February 2024, 01:55 PM #6
    DiscoJeffster
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    Quote Originally Posted by Ferret View Post
    No idea at how they arrive at what they do. Me - RAC, D4 MY11, agreed value ~$34k, premium $804. But that is due for renewal in Jun24 so we will see what happens then.
    Has a lot to do with where you live, where it’s parked, finance or not. Believe it or not premiums are generally cheaper when a car is under finance.
    2010 TDV6 3.0L Discovery 4 HSE
    2007 Audi RS4 (B7)
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  7. 25th February 2024, 03:30 PM #7
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    Guy yesterday was telling me of a massive increase he just received on his 200 series LC. Due to repair cost escalation was the explanation.

    Give APIA a try if over 50 yo
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  8. 25th February 2024, 04:32 PM #8
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    scarry
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    Quote Originally Posted by Arapiles View Post
    Melbourne and agreed value of $60k - $70k: RACV is quoting $2,800.
    Another brand,LC200,$1800,market value.RACQ.

    As i have said before on here,our 10 yr old D4 was way more than the LC when it was new.
    Last edited by scarry; 25th February 2024 at 05:05 PM. Reason: Original info was incorrect
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  9. 25th February 2024, 07:31 PM #9
    Arapiles
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    Quote Originally Posted by PerthDisco View Post
    Guy yesterday was telling me of a massive increase he just received on his 200 series LC. Due to repair cost escalation was the explanation.

    Give APIA a try if over 50 yo
    I have to keep reminding myself that I'm well over 50 now ....
    Arapiles
    2014 D4 HSE
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  10. 25th February 2024, 07:38 PM #10
    Arapiles
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    APIA ..... experience with claims?

    Quote Originally Posted by PerthDisco View Post
    Guy yesterday was telling me of a massive increase he just received on his 200 series LC. Due to repair cost escalation was the explanation.

    Give APIA a try if over 50 yo

    Just got an on-line quote with APIA - and it was $1000 less than the RACV one. (!!!!!)

    What have peoples' experience with APIA been when making claims?
    Arapiles
    2014 D4 HSE
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