Insurance

Its getting round to that time of year for me again and i wondered if anyone has found a reasonable insurer that doesnt mind the odd one or two mods on a jimny without emptying my bank balance. Thought i might come across a specialist insurer but still havnt found anything thats outstanding yet it would be nice to find out what you all suggest.

I am with Roadsure (now called Premium Choice )

Around £150 fully comprehensive, all modifications declared.

Martin

wow now thats better than the £300 ish quote i just got with ecar declaring 3 mods i got full 9 years no claims as well apart from that sill fellah who went into the back of me but that was a non fault im gonna have a look there now Martin cheers.

Dont know what you did different to me Martin but my quote from that firm came out as £260 but hey its still £40 cheaper than ecar and no probs with mods they said i can basically do all the mods i want as long as i tell them so happy days. But i would still like to know how you got £150 ish

Give Adrian Flux a call too. If you have another car to insure, they do discounts for insuring more than one vehicle, even if your other is not modified.

I have my Vespa, Modified Jimny and standard SJ410 insured with them and each of them end up being cheaper than others, especially when I remind them of how much business I'm giving them and they realise what they could lose if I went elsewhere.

Also, I had a non fault accident like you and was happy withhow they dealt with it, which counts alot when you need it.

My mother had a semi fault accident with a major insurer and none of us could understand the people in the claims department which was based abroad, making the claim process a pain in the backside.

Our friends are insured with Roadsure, like Martin and are happy with them too. i understand they are able to offer recovery whilst you are in a Greenlane with a netword of recovery agents that have Landrovers etc. This is a really useful addition to a policy if you do laning as a breakdown in some of the lanes we've been in would be disaster!

Kirkynut

i too am with adrian flux and have been on a few different vehicles over the last few years
i think they are great as they dont add extra to your premium when you add modifications.
they also offer green lae ad off road cover as standard.
they definately get my reccomendation

Every insurance policy offers "Green Lane" insurance as standard, even my wifes "Ladies" policy on her Peugeot 206 Cabriolet has "Green Lane" cover.

This is because there is no such thing as a "Green Lane". They are all "Byways Open to All Traffic" and as such are legal highways covered by the Road Traffic Act. Therefore all insurance covers them within the meaning of the Road Traffic Act. Don't pay extra for policies offering "Green Lane" cover.

As a co-incidence a discussion is going on on Diffock on the subject of Jimny insurance and some-one there has just been quoted £250 for a policy that cost £150 last year - I wonder if I am in for a surprise when my renewal comes!

Martin

i dunno but mine was £800 and i had to get a thatcham cat 2 imobiliser fitted aswell as the standard stuff. wouldnt have thought anyone would bother nicking a jimny as you can walk faster lol.
are you a copper or a security gaurd?

I will tell you all what the bloke from premium choice told me and that was that they didnt use no claims on their policys and that this is a specialist policy for 4x4 vehicle so i think your £800 policy is a tad on the unreal side and you want to get yourself to those blokes and save yourself a couple of quid.

what do you mean ? they dont use no claims. Does that mean it would be same wether you had 5 accidents or none?

I can only tell you what he told me on the phone but he did ask me about any accidents and non faults and points so i guess if you had 5 accidents it would make a differance to what you pay but he did say that it was a specialist policy just for 4x4 and there was no no claims discounts so get on the phone and ask them yourself and see what they say and let us all know. But i think i will definately take Martins advice on this and go with them as they have given the cheapest quote and have no probs with mods. And just another thought this policy is probably for people with 2 or more vehicles and you expect that the no claims would have been used on the other vehicles but hey thats just a thought.

As its my second car the insurance companies will not allow you to use your "No claims discount" twice, I have used it on my first car.

Instead they have a "second car discount", which is based on your driving record but is not called a no claims discount.

Mine is a limited mileage, 4x4 policy (Large excess and Social and Domestic use only) all Mods declared.

I understand that there seems to have been a price rise this year so I await my renewal with trepidation

Martin