Hi, I have always had cars all my life. Currently in the middle of a years policy with admiral insurance. I have 4 years NCB, however the golf is being sold and I'm buying a defender 90 county with windows in the back and 4 seats in back.

Am I right in assuming the defender will not be able to be insured under normal car insurance? It will have to be van insurance? How likely are admiral to transfer my NCB over to the commercial vehicle insurance or will I have to start a new policy and lose my NCB?

Thanks in advance
C

shouldn't be issue- consult your broker

Lostinspace said:

Hi, I have always had cars all my life. Currently in the middle of a years policy with admiral insurance. I have 4 years NCB, however the golf is being sold and I'm buying a defender 90 county with windows in the back and 4 seats in back.

Am I right in assuming the defender will not be able to be insured under normal car insurance? It will have to be van insurance? How likely are admiral to transfer my NCB over to the commercial vehicle insurance or will I have to start a new policy and lose my NCB?

Thanks in advance
C

Click to expand...

If it's a County with rear seats & windows you'll probably be OK. It's usually only if it's a commercial without rear seats or windows- As said, best to check your broker. If you need a quote feel free to PM me.

Cheers
Jordan

How olds the Defender? When do them as classics the seats and windows don't come into it, but they do have to be 15+ years old and you have 'use' of an everyday car. PM me if you want anymore details.

If it's a county, it's a car as far as most insurers are concerned- I think technically it's a dual-purpose vehicle. I know some insurers are a bit funny about the side-facing seats though. I was with Elephant and they were happy to transfer my old ford fiesta insurance to my 90. It's now on a classic policy with Lancaster which is much cheaper.

be careful i have had many insurance quotes with defenders that look like country station wagons so assumed you could insure it as a car but turns out that its life began as a pickup or van (cos they can easily be converted) and got converted into a station wagon to fool people who dont get the insurance quote first. I think no matter if they get converted to a station wagon they still registered as a commercial vehicle on the log book and with insurance companies and assume it will be real hassle in getting it sorted as car insurance.

but in general terms if it started life as a county station wagon and it says that on the log book then you should have no problem.
Hardtop - means pick up or van and means commercial and i kn ow how expensive that is lol. still never had a defender and still intend on buying one, would have had one by now but parents always talk me out of it so end up wasting my money on something else until the itch for a defender comes along again

Lostinspace did you get anywhere with your insurance? I was under the impression that all the newer 2.2 defenders including station wagons are classified as D1 on the V5 which is light commercial, so would that mean that now even a station wagon has to be insured as a commercial/van?