Bloody insurance!

Austin Shackles wrote in news: snipped-for-privacy@4ax.com:

All I know is what Frizzells told me. They (and I suspect others) will NOT cover a spouse's or partner's car under the 'not owned by the policy holder' section. They take the view that the posessions are jointly owned. How do you prove who owns a car anyway? The V5 lists the registered keeper who is not necessarily the owner. I could insure myself to drive your car Austin (if I knew its details), so the insurer of a vehicle does not prove much either. Terry

The NFU advised me that spouses cant drive as third parties, so we got divorced and now she can - problem solved!!!

Richard

On or around Wed, 8 Oct 2003 20:21:45 +0000 (UTC), Terry Lyne enlightened us thusly:

no, it doesn't, but to insure it, you must have a legal "interest", i.e. be owner or part-owner.

I don't know how you prove ownership, really. A receipt for the purchase in your name would probably be a good start. Certainly, the V5 doesn't prove ownership.

Follow-up:

Sureterm quoted me £2500. I had 2 claims last year for window damage for breakins (not at my home address) and one for parking damage (ie, somebody damaged my parked vehicle and drove off), and they said this is what jacked the price up.

Snowball came up with £3600. Their only reason for the loading was the previous claims, and the category of vehicle. But they were very nice about it, and quite sympathetic.

So it looks like I'll stick with Co-op and I'll just have to sell the Disco. Wonderful.

David

Out of interest, what was the value of the three claims?

Nick

A few hundred quid each. I know what you're thinking...

I don't want to labour the whole point about insurance, but I've had some quite enlightening conversations with CIS. The prices below are for a new policy for my wife. In practice, I could get all this cheaper by putting the vehicle on my own policy and swapping the Disco to Abby's, and upping the standard £50 excess, but this is just for comparison.

A 94 4.2LSE on LPG at nominal £5K value came out at £1860 to insure (Group

But a 95 4.0SE P38A on LPG, worth £6500, comes in cheaper at £1750. I guess it's because the security is better. Group 14.

Then, a 3.9 Vogue WITHOUT the SE spec comes to £1650... It really makes that much difference. Also Group 14.

Can somebody remind me what the difference is between a 3.9 Vogue SE and a

Thanks, David.

Those insurance companies must hate you! I live in a slightly dodgy area, and share a house with one of my mates. He's 24 and insures a RR CSK (so its a '91 3.9) for about £700 (thats fully comp limited to about 6k miles i think). It would seem to me that he should be paying more, or you less for this to make sense!. I am assuming here that the spec of a 3.9 vogue SE isnt too different to a CSK? (apart from the no of doors). Unless this is an important difference?

I'm 23, and had trouble finding someone to insure me on my 101 for the same reasons as you: 'Youre too young for a v8". Would seem to make more sense for me though!. I was hoping that once i got to 25 it would magically get lots cheaper and easier.. your post is worrying me! (I ended up paying ~£200 after trying all the insurers i could find!, and getting turned down for all but this one and one other quote!)

Which part of Luton do you live in then? or have you moved out /in ?

...It did'nt make the top 50 worse places to live in England

I know that feeling ;)

I'm 23 as well, and run a V8 110 - 2 named drivers under 25 on the policy, myself as the main driver (business use) and one extra driver. 20,000 miles a year and I still get change from four hundred quid :)

I think it's a case of finding an insurer that realises what a Land Rover is and can recognise the risks and quote accordingly. I like it when you finally find someone that will actually quote :)

That's just part of the price you pay for not joining the politically correct brigade in your Nissan Micra or Renault Clio!

Who are you insured with BTW - just for when I find myself in the privileged position of owning a 101 :) (I'm with Lancaster)

Regards

William MacLeod

Footman James for the 101. Only them and Adrian Flux would actually quote me on it, but Adrian Flux wanted about £500.

Mine is with Sureterm (130 quid). They were, however, hopeless for the Discovery and couldn't beat Tesco's quote, let alone the Direct Line renewal sum. As I no longer do big miles I had hoped to get a cheaper policy, but no.

I'm 32, but considered high risk because I run a company. If I was only smart enough to sweep the floor it would be much cheaper!

Tim Hobbs

'58 Series 2 '77 101FC Ambulance '95 Discovery V8i

I'll tell you what Tim you let me run the company (for big bucks) and I'll let you sweep the floors (for not quite as big bucks ) then everyone's happy

Andy