Defender90td5

Active Member

• Sep 3, 2019

• #1

Hi all,

My dad and I cannot figure out why a 200tdi is more expensive to insure than TD5 considering it has more horsepower and is most of the time a higher value.

Any explanation to this would be great.

Cheers!

 

manchestershire

Well-Known Member

• Sep 4, 2019

• #2

Do td5 defenders come factory fitted with ABS or alarm/immobiliser?

Just a thought as my 90 is a tdi and doesn't, it may have an effect on premiums with these systems fitted.

 

dag019

Well-Known Member

• Sep 4, 2019

• #3

Is everything else identical? The body configuration makes a difference, as does the number of seats e.g. 10 seat station wagon vs 3 seat hardtop.

 

Scooby22

Well-Known Member

• Sep 4, 2019

• #4

Security: TD5 has better security, mine has Alarm and immobiliser, so a bit more difficult to be stolen, TDI's are always in demand for parts so targeted by tea leaves.

 

L

lynall

Well-Known Member

Full Member

• Sep 4, 2019

• #5

Defender90td5 said:

Hi all,

My dad and I cannot figure out why a 200tdi is more expensive to insure than TD5 considering it has more horsepower and is most of the time a higher value.

Any explanation to this would be great.

Cheers!

Click to expand...

200 can be had on classic insurance cheaply, maybe your age is more relevant as opossed to the cars?

 

Tromboman

Well-Known Member

• Sep 4, 2019

• #6

Too many variables to give a comprehensive answer, such as which side of the bed the insurance bod got out of in the morning.

 

Defender90td5

Active Member

• Sep 4, 2019

• #7

dag019 said:

Is everything else identical? The body configuration makes a difference, as does the number of seats e.g. 10 seat station wagon vs 3 seat hardtop.

Click to expand...

Both exactly the same

 

lightning

Well-Known Member

• Sep 5, 2019

• #8

It may be because many parts for the 200tdi are not available from Land Rover. So any accident could write off the vehicle in the eyes of an insurance company.
Although parts can of course be obtained used or from aftermarket suppliers.

 

zeaphod

Well-Known Member

• Sep 5, 2019

• #9

My money's on the lack of a factory fitted immobiliser - it's a question I remember seeing on insurance application forms.

 

lightning

Well-Known Member

• Sep 5, 2019

• #10

I doubt that makes much difference as the 300tdi is actually less stolen than the later versions.
But you may be correct. Insurance is hard to fathom sometimes, we pay £280 for a VW Up and they have quoted only another £40 to insure a Defender TD5

 

BuzzLand

Active Member

• Sep 6, 2019

• #11

I pay 200 quid for my lannie insurance. I'm not old, have full NCB and it's fully comp.
It's one of the last of the 300 TDIs.