Low mileage 4x4 insurance

[slowworm]

Can anyone recommend an insurance company that provides reasonably priced cover for a 4x4 that only does limited mileage?

I have a cheap 4x4 that will may only cover 2,000 miles in a year but the quotes I've had for it seem very excessive. I don't need off road cover but as it's a 2nd vehicle I only have 1 year no claims to use - I have full no claims on my other vehicle so no dodgy background to put up the premiums.

[The Lord Poncho]

I use Lancaster Insurance for my old landrover on a limited (3000) mileage policy. Its stupid cheap (just over £100 per year fully comp with breakdown), but then the land rover is 40 years old. I've found the company excellent.

[slowworm]

Thanks for the suggestion, I've just done an online quote and the cheapest one is...... £1,200 for a car that's only worth £4k.:dunno: The cheapest I've found so far is about £550.:(

[The Lord Poncho]

Crikey- they don't want your business then! There are plenty of specialist 4x4 insurers- flicking through a land rover magazine in the newsagents will give you a starter.

[spandit]

Adrian Flux or Footman James is who I use. How old are you, though?

[slowworm]

Thanks, those two are next on my list to call. Age isn't a problem, license has been held for over 20 years now and I have full no claims on my main car. Sadly I think my post code is the main problem but I can't do much about that at the moment.

If it's anything like last year I just have to get loads of quotes and some random company will give a much cheaper quote than the rest. Puzzlingly, despite having an extra years no claims my existing insurer has raised the premium substantially, just under £300, from last year.

[IanM]

We run a 35 year old, rather unique Citroen 2CV4 on agreed value insurance with Lancaster, 1,500 miles a year, value £6,000 and the cost is £107.00 this year. A few hoops to jump through such as photos and an independent valuation but well worth it.

[snozz]

2nd vote for Adrian Flux. My Mitsubishi Delica 4x4 2.8 litre is less than £400 fully comp.

Price will of course be dependent on your location as well - where are you? I'm 8 miles north of Leeds

[slowworm]

I'm in Surrey but I expect the insurance computers regard my postcode as Saaarf London.

[tobes01]

Try NFU Mutual. My ancient Land Rover rattles along with fully comp cover for change out of £200.

[DaveWL]

Second for NFU - been with then for years and never had a problem.

[Nonsuch]

Admiral Multi-car? My Defender insurance was going though the roof with Lancaster (up to £450 fully comp) - now I only pay £150!

[Teepee]

Every year Moneysupermarket come back with the cheapest insurance prices for me. My renewal will typically be double what I paid last year so I go back on Moneysupermarket and get it for the same price as last year.

I suspect this won't be the case this year though as the big insurance companies made a loss and will have to charge even more.

[Laurentius]

Adrian Flux for a Mitsubishi Pajero. The only way I could get my car insured for less than it is worth is on limited mileage. Was with Footman James before that but my renewal more than tripled this year.

[Peter_t]

im looking to get an old land rover and out of the quotes iv had footman james have been by far the cheepest.
i say cheep as in £700 for 3000 miles FPFF, adrian flux quoted neerly twice that and lancaster said £2200, i love being 19:(




pete

[Neumo]

I am doing some IT design work for a well known insurance company. I was chatting down the pub with one of the developrs who writes the code for their insurance rating appication. He told me that last year a man in Liverpool was quoted £130,000 for insuring a souped up Vauxhall. Too young, too modded a car in Toxteth with no garage...

Keep looking as someone wants your business, especially if you have a good record on your main car.

[Bazzworx]

Try a place called sureterm, I had a 4x4 as a second car with them they were the cheapest I could find.

[mrmike]

I had insurance with Sureterm Direct for my old landy, dirt cheap!!

[Ronnie]

Talk to These people (http://www.2getherinsurance.com/) - don't bother with the online quote though, phone them and speak to them, it's a small outfit. They have saved me a lot of money over the last couple of years. No financial connection yadda yadda etc etc

[Rob]

I will agree with the sureterm suggestion.

Have used them for years. No problems when we had a claim either (after some numpty in a merc pulled out in front of Mel and the Landy won).

[Laurentius]

The real trick to gaining cheap insurance is to go the classic route, as I did with my series landy. Unfortunately you need a vehicle at least 25 years old to get round the problem of not having a garage. It's a crazy world, I inadvertently left the window of my current Paj open overnight recently, there was stuff left carelessly on the seats and you could have taken anything, but nothing was. I think there is something very rotten in the insurance industry when I have seven years no claims but companies don't want my business.

[slowworm]

Thanks for all the suggestions. A few I've tried in the past and know its not worth trying them where I currently live, but there's several more to try.

The best quote I've had so far is from Sureteam although I'm a bit puzzled by it. Ideally I'd like the car insured for on road parking but they quote well over twice the price they quote for the car parked on my drive. I'm a bit wary of quotes like that and as it's not much cheaper than other quotes I've had I might avoid it.

It looks like my main problem is my lack of no claims cover so I might consider getting a multicar policy removing the other named driver from my other car.

[fast but dim]

try fank pickles via google. good for imports.

[Rigel]

Hey

My Delica L400 insurance increased from £350 to £600 (no accidents, points, nothing) Was not a happy bunny!!!
Since I am a L400 OCD type of person, I just forked out for it :/

G

[david1317]

another vote for NFU cheapest I could find for my hi lux

[lou1661]

Try contacting Adrian Flux, they have always been very reasonable when it comes to insuring my Defender.
Cheers
Louis

[Lordyosch]

I looked at adrian flux to renew my ford ranger insurance. Direct line had quoted 1100 for a renewal. Ha ha ha! Flux wanted 750 ish. Went with NFU in the end, 650 quid.

Flux good, included green laning.
NFU didn't nor does it included 3rd party cover on other vehicles.

I don't green lane and I'm named on wife's policy so no hassle.

Jay

Sent from my GT-I9100 using Tapatalk

[jackcbr]

Might be a bit late now, but I too am in Surrey (near Gatwick) and have managed to get my Disco covered fully comp with no no-claims bonus for £200 a year by Peter Best insurance. We have limited mileage, 5K, and have it as a second car. This is the first year I've ever insured a car in my name, hence the lack on NCB. But we've used them for years on our Landies.

[Robbi]

We run a 35 year old, rather unique Citroen 2CV4 on agreed value insurance with Lancaster, 1,500 miles a year, value £6,000 and the cost is £107.00 this year. A few hoops to jump through such as photos and an independent valuation but well worth it.

would love to see a piccy of the 2CV :)

[twisted firestarter]

We run a 35 year old, rather unique Citroen 2CV4

:approve:

Sorry off topic but is it the twin engine or Loius Barbour conversion?

Got any photos?

Edit: Robbi got there first!