Just called Adrian Flux for a quote and they came back at £1850 for a 110 defender, unmodified, 1998. We are both around 40, no points etc. Infact we are pretty boring. I pay about 750 a year for a T5 lwb worth a lot more money and with 9 seats. I’d rather go with a “specialist” but the online standard companies are coming in around £380. Unfortunately our area isn’t covered by NFU, any others I could try? Thanks in advance, Leah