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. 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 - 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).