Hi Chips,

think you might be missing an "Out" and post code will have an impact as well.

 .
my first ever FL2 and I did keep it longer than most other cars!
But its now gone way up Norf

thinking about the last posts. I may have unintentionally misled the girl.
I asked firstly if the insurance on the Disco could last a day longer over the start of the insurance on the replacement car.
To my thinking, if the insurance on the Disco is cancelled to allow the the new car cover how do i drive the Disco to the garage to collect Freelander. Car insurance is quite new to me, spent my life till i retired in company cars.
Possibly i have not explained what i wanted.
Dan @AF is investigating. New car will be available on Wed, still have two days to sort insurance.
This learning game at 79 is a b-----.
Thanks for all the suggestions and help.
I know a lot of people on here have come from the Disco2BC forum which is fabulous and from what i have seen on here over the last few years i look forward to being a part of FL2 forum

cheers and thanks

Jim Anderson

Latest, been back to AF asking just to transfer insurance to new car.
For whatever reason the best they can come up with for FL2 auto including allowance for balance of old policy is £876.90
Cannot tell me why insurance cannot be transferred. Been with AF for years.
Best deal so far is Direct line at £313. plus plenty in the £350 to £500 range.
Collection of FL2 is Wed so still have two days to sort this out.
Thanks for all the suggestions

Jim A.

Giving a realistic miles-per-year figure can drastically reduce the cost - don't ask for 12000 miles per year if you realistically only do 6000. I just renewed my 2014 SE Tech with 10000 miles per year, was £220 with £150 excess from Quote Me Happy. (Had previously been with Privilege for a number of years but they quoted £330, and removed the 3rd party cover for driving another car)

Settled with Direct line, . Comprehensive etc for £313.
What a hassle from AF,
All done and looking forward to my Freelander from tomorrow.
Good to talk to you all Jim A
Fl2 HSE 2010 auto
Disco 2Td5 auto 2002 gone
Disci 1 300Tdi auto 1996 gone

congoblue wrote:

don't ask for 12000 miles per year if you realistically only do 6000.

This is something you can normally amend later in the policy if you dont quite get the figure right or for some reason you start doing more miles and they may well only charge you the pro-rata rate so if your in month 10 or 11 and your near the max miles you should be able to add some extra for not much cost hopefully

 .
my first ever FL2 and I did keep it longer than most other cars!
But its now gone way up Norf

Don't be tempted to say you only do 3,000 miles a year when you actually do 30,000.
It's dead easy for anyone to check the annual mileage of any car - just check the current and previous MOTs on the government web site.

I was chatting to the mobile hairdresser who came to do Gills hair, his insurance was dirt cheap as he was doing low mileage, so I popped onto the web and told him his actual mileage for the last few years - changed his car and insurers soon after and was more honest about the mileage after that. Tangiers Orange - gone, missing her
Replaced by Ewok what a mistake - now a happy Disco Sport owner

The problem with amending your policy these days is they charge you 'Admin Fees', a hidden cost they can use to recoup their lower headline rates from. 
Hung like Einstein, smart as a horse.

Hi,

not always Shiggsy, I am currently with Aviva and if you manage your policy online they have No admin fee

I have made 2 amendments in this years policy with nothing but the premium difference.

 .
my first ever FL2 and I did keep it longer than most other cars!
But its now gone way up Norf

I'm sure they make it up as they go along. Renewal in from Admiral - multicover car and home etc. In the past few months I've retired, so no commuting cover needed, and partner has also stopped work and is officially a 'home person', so no business cover required. Called Admiral, expecting a bit of a reduction, but told the premium would actually go up by £45??. They would then be happy to reduce it by £59, effectively a saving of £14. Bit of bartering brings it down a bit further which I said I'd think about.
Why does retirement, no longer the need for commuting or minor business use bring about an increase?

Last edited by Sidthecat on 4th Jul 2021 3:17 pm. Edited 1 time in total

The youngest (36) has just swapped cars with his Mum - both MG3, same specification, same colour, registered on the same day. The cost - a £4 per month reduction for the next 9 months with a £15 alteration fee!

The lady on the phone couldn't explain why, and was as surprised as us. Tangiers Orange - gone, missing her
Replaced by Ewok what a mistake - now a happy Disco Sport owner

Just as a wee add on.
Phone Direct Line to change reg no to my personal plate.
All done and confirmed by email in 10 minutes at NO extra charge. Jim A
Fl2 HSE 2010 auto
Disco 2Td5 auto 2002 gone
Disci 1 300Tdi auto 1996 gone

I had the same issue last year with AF when I changed from a D2 to a FL2. Adrian Flux response to a request for a quote to change vehicle was that my current insurer would not insure the Freelander and that I would need a new policy. The proposed premium was at least 40% higher than what I was paying for the discovery. Plus the admin charges for terminating the policy wiped out any refund of the five months it still had to run. Moved to LV for a premium and cover similar to what I had paid for the Discovery and at renewal time this year it dropped about £40.

Sidthecat wrote:

In the past few months I've retired, so no commuting cover needed, and partner has also stopped work and is officially a 'home person', so no business cover required. Called Admiral, expecting a bit of a reduction, but told the premium would actually go up by £45??. They would then be happy to reduce it by £59, effectively a saving of £14.
Why does retirement, no longer the need for commuting or minor business use bring about an increase?

Spoke to a human at Admiral rather than the 'computer says no' I tried to deal with at the weekend and was informed that my previous job with the Ambulance Service attracted a low rating than my present one of being retired. So clearly driving 12 miles a day to work was considered less hazardous to other road users than letting this old git of a pensioner out on the road

It's that annual question again. An insurance company is only any good if it pays out and has reasonable prices. OK so it's worth paying a few bob more to go with a reliable company. I've been with LV for yonks and never had any bother with them but this year they have wacked up the price by 20% which is OTT. I've shopped around and the cheapest price was £130 less than LV want. The policy I like the look of best is with the RAC at £52 less than LV. I have yet to contact LV and expect I will get the price down a bit and if it is close to the RAC then I will stick to LV.

The million quid question is what do you learned gentlemen think of RAC insurance?

J