Insuring Used Discovery- Are the NFU having a laugh?

[Bignor Farmer]

Just bought a 7 year old Disco 4 and rang the NFU to add it to our existing policy;

Any driver over 25yrs £4,700 (a bit over).
Named drivers £1,800.

Nothing special about the vehicle at all, stated 12,000 miles per year, kept in locked yard in quiet village, value £20k. No recent claims etc for any named driver, youngest named driver is 38 years old.

Paying nearly £30k insurance premium for whole farm and utterly gobsmacked by the quote. Never paid more than about £370 for wife’s Disco 3 with Admiral which we originally bought for similar money.

I’ll be ringing round tomorrow morning!

 

[paul&mandy]

Just bought a 7 year old Disco 4 and rang the NFU to add it to our existing policy;

Any driver over 25yrs £4,700 (a bit over).
Named drivers £1,800.

Nothing special about the vehicle at all, stated 12,000 miles per year, kept in locked yard in quiet village, value £20k. No recent claims etc for any named driver, youngest named driver is 38 years old.

Paying nearly £30k insurance premium for whole farm and utterly gobsmacked by the quote. Never paid more than about £370 for wife’s Disco 3 with Admiral which we originally bought for similar money.

I’ll be ringing round tomorrow morning!

Acres insurance

 

[paul&mandy]

@Nigel Wellings

Just moved 2 tractors to them, spoke to the same chap. NFU couldn't have cared less about me going elsewhere.

 

[Bignor Farmer]

Acres insurance

Will give them a call tomorrow

 

[grainboy]

I’d tell NFU where to get off,
Cancel all other cover when applicable with them,

 

[bobk]

Similar spec landrover here £250 fc ,

 

[Bignor Farmer]

I’d tell NFU where to get off,
Cancel all other cover when applicable with them,

It has crossed my mind that I only renewed 1st December and the pencil obviously isn’t very sharp!

 

[Cropper]

Using county insurance here, just added 5 year old Navara for £575 per year any driver over 25

 

[principal skinner]

I added a Disco 4 to the farm policy for £80 any driver over 30. Not NFU

 

[Cowabunga]

Just bought a 7 year old Disco 4 and rang the NFU to add it to our existing policy;

Any driver over 25yrs £4,700 (a bit over).
Named drivers £1,800.

Nothing special about the vehicle at all, stated 12,000 miles per year, kept in locked yard in quiet village, value £20k. No recent claims etc for any named driver, youngest named driver is 38 years old.

Paying nearly £30k insurance premium for whole farm and utterly gobsmacked by the quote. Never paid more than about £370 for wife’s Disco 3 with Admiral which we originally bought for similar money.

I’ll be ringing round tomorrow morning!

The issue you have is that it is apparently an additional vehicle on your policy and thus does not qualify for any no claims discounts.

The way I would get around this would be to tranfer the insurance from an existing vehicle with full NCD and take out the additional policy on the older, cheap to insure vehicle. Hopefully you have a vanilla Ford Fiesta or similar which is a convenient prospect.

 

[bobk]

The issue you have is that it is apparently an additional vehicle on your policy and thus does not qualify for any no claims discounts.

The way I would get around this would be to tranfer the insurance from an existing vehicle with full NCD and take out the additional policy on the older, cheap to insure vehicle. Hopefully you have a vanilla Ford Fiesta or similar which is a convenient prospect.

Is any driver a pita , I think so

 

[ollie989898]

I can tell you one thing about NFU insurance- they ain't cheap.

 

[bobk]

I can tell you one thing about NFU insurance- they ain't cheap.

NFU are anti farming

 

[ollie989898]

NFU are anti farming

NFU now aim their services at wealthy rural folks with large gardens.

 

[bobk]

NFU now aim their services at wealthy rural folks with large gardens.

Bob on Ollie

 

[Robt]

Sorry, have i read that correct? They want half the vehicle value to insure it? NFU are great to insure with but not that great!,,,,

 

[Exfarmer]

It has crossed my mind that I only renewed 1st December and the pencil obviously isn’t very sharp!

They should give a refund for any un used months. With your sort of spend I would call you local group secretary and have a serious discussion. I am certain. They will move on this price , even if this is an extra vehicle, but remember, you can only drive one car at a time, thjis is assuming of course that said vehicle is not destined for a new 17 year old addition

 

[Sheepykid]

Just bought a 7 year old Disco 4 and rang the NFU to add it to our existing policy;

Any driver over 25yrs £4,700 (a bit over).
Named drivers £1,800.

Nothing special about the vehicle at all, stated 12,000 miles per year, kept in locked yard in quiet village, value £20k. No recent claims etc for any named driver, youngest named driver is 38 years old.

Paying nearly £30k insurance premium for whole farm and utterly gobsmacked by the quote. Never paid more than about £370 for wife’s Disco 3 with Admiral which we originally bought for similar money.

I’ll be ringing round tomorrow morning!

Not that it’s a direct comparison but we insure through the CLA. A 2011 RR TDV8 is £500 a year any driver over 25. Used on the farm instead of a pickup.

 

[Daniel]

Just bought a 7 year old Disco 4 and rang the NFU to add it to our existing policy;

Any driver over 25yrs £4,700 (a bit over).
Named drivers £1,800.

Nothing special about the vehicle at all, stated 12,000 miles per year, kept in locked yard in quiet village, value £20k. No recent claims etc for any named driver, youngest named driver is 38 years old.

Paying nearly £30k insurance premium for whole farm and utterly gobsmacked by the quote. Never paid more than about £370 for wife’s Disco 3 with Admiral which we originally bought for similar money.

I’ll be ringing round tomorrow morning!

We have an 18 year old Disco with 190k miles on that I bought off a friend as a farm runabout for £2000

NFU wanted £1800 to insure it with a few named drivers all over 35, and some insane amount for any driver, they cited the excuse above about it not having any no claims discount.

I got fully comp cover for about £300 off confused.com.

Pretty annoyed about it really, we pay a large sum to them each year to insure the whole business as it is. I keep telling Dad to get alternative quotes but he never does, might have to do it myself next year.

 

[HallFarmBill]

I thought they were having a laugh at over £1200 to add my 67 reg Vivaro to the farm policy while we were renewing it all. No movement on vehicle quotes I was told, what the computer says goes.
Was a bit over £300 to renew with Admiral.