muckmuck said:

try adrian flux been with them 5 years now,always come up with a good deal,heres the number...08005053000..

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johnlad said:

just switched to Aidrian Flux from Direct Line fully comp with 2 years ncd on a modded policy that covers green laning /off roading garaged and cat 2 fitted only £390 with agreed payout, saved me £240 on just a standard policy off D.L

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physeptone said:

i'm with Adrian Flux still after a few years,
BUT did have to shop around this year to force them to lower their initial quote.

Personally, i am 100% sure that insurance is all a racket and the companies involved are all a bunch of cnuts. I mean how else can it be that so many companies are the same underneath the name (admiral/elephant/the other one i forget the name of) and that the 'price comparison' websites are owned by the the insurance companies (confused is Admirals one...)

Just do your best to get a low quote, shop around and you really will find them- i learned a lot after buying a second car earlier this year, and especially after i learned that you cant use your no claims bonus on a second car. well except you can, you just need to realise that 98% or so of insurance companies tell you you can't......... saved me over 700quid on insurance for a smart car. go figure. cnuts like i said.

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dieselwheasel said:

How is it possible to use your no claims bonus on a second vehicle cause that is exactly what i was told?

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robpenrose said:

Im with swift cover - Me (23 at time) my missis 25, fully comp with 4NCD was about £420

2002 TD5 CSW

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• Adrian Flux policy comes with free legal cover and covers off-roading (on official courses only?) as well as greenlaning; all modifications covered like-for-like; protected NCD included.
  
• NFU has no compulsory excess; no 'limited mileage' policies -- they don't consider annual mileage nor vehicle value when assessing premium. Legal cover is included, and a basic breakdown assistance (and the cost for additional relay-type cover is VERY reasonable -- well worth considering this in place of your usual breakdown assistance, if more cost-effective). NFU different from other two as they are not brokers: underwrite their own policies.
  
• Sureterm courtesy car is "a 4x4"; legal cover is (at least) £20 extra; policy covers greenlaning but not other off-roading. Limited mileage policies available. No 'grace' period: when policy expires, that's it, no cover - most policies I've had allow you a 14-day cushion in case you're late renewing.

pete_j said:

I'm with Sureterm as well. Just renewed (for a third year). No problems with them (but then I haven't had to make a claim), and they are cheaper than the other companies I tried. Only slight downside is that they are VERY persistent when it comes to renewals -- you may get daily phonecalls (and the occasional text message) as the date approaches.

Definitely check other companies, and be prepared to haggle. Adrian Flux quoted me a higher price, but it was roughly the same as Sureterm's when the legal cover was added. On hearing this, Sureterm offered to add legal cover for nothing AND drop the premium! Now just under £150 for 110 CSW fully comp (3k limited mileage) -- that's with full NCD -- unfortunately I have to include 'commuting' as sometimes drive it to work (pushes up price).


For the record, these are the major policy differences that I noted down, although this is far from exhaustive...

• Adrian Flux policy comes with free legal cover and covers off-roading (on official courses only?) as well as greenlaning; all modifications covered like-for-like; protected NCD included.
  
• NFU has no compulsory excess; no 'limited mileage' policies -- they don't consider annual mileage nor vehicle value when assessing premium. Legal cover is included, and a basic breakdown assistance (and the cost for additional relay-type cover is VERY reasonable -- well worth considering this in place of your usual breakdown assistance, if more cost-effective). NFU different from other two as they are not brokers: underwrite their own policies.
  
• Sureterm courtesy car is "a 4x4"; legal cover is (at least) £20 extra; policy covers greenlaning but not other off-roading. Limited mileage policies available. No 'grace' period: when policy expires, that's it, no cover - most policies I've had allow you a 14-day cushion in case you're late renewing.

NFU were more expensive than the other two, but I suspect that I'm not really in their target market. Not much to choose between the others: some of the Sureterm reps are a bit 'hard sell', whereas the Adrian Flux and NFU reps were a little more friendly. All three wanted a complete list of the modifications. Eventually came down to price.

Note -- Although I always compare online quotes for my Pug, and get substantial discounts as a result, I don't bother for my Defender: (i) it is usually difficult to find the correct model, but mainly (ii) they wouldn't provide any kind of off-road cover, and (iii) as soon as you tick the box 'is the car modified?' you'll be directed to ring them to give details.

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