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cheap 4x4 insurance


magicoxon
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I used to have my Lotus 7 replica insured with Adrian Flux for around 9 years .

It was fully comp limited mileage to 4500 for £99 a year

As you can guess no one can touch them but be aware there policy has a loyalty bonus but not a no claim bonus that you can transfer to another company .

So if you do leave them you are effectively starting all over again.

Be sure the driving off road is covered in writing as its easy to deny a phone call ever took place

 

I have my Defender insured with Swinton . I only have 3 years no claims and they did it for £175. They will cover for farm use but not green laning

 

Green laning is on public roads, so you are covered anyway.

flux have limited mileage policys that do not have a no claims structure,

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Has anyone ever tried sureterm as I have seen them advertising as 4x4 specialists?

 

HW682

 

I got a really good quote from them and paid, only for them to phone me a week later ask a few questions like do I use a company car while at work etc. And they said I didnt qualify and cancelled. Really made me angry as it was only £240 fully comp had to go to the next quote which was £550.

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Can you explain this, I was under the impression that as long as you have no claims bonus accumulated you could transfer to another company, is this not the case in your experience? I wouldn't have thought they could stop you getting a no claims bonus with another company?

 

 

I dont know if this is specific to Flux . In theroy you dont get cheaper insurance next year . They are flat rate policies . My premium was the same year after year . When I sold my kitcar and bought a tin top they would not give me any proof of no claims bonus that I could take to another company . Its their way of keeping your business .

 

 

Green laning is on public roads, so you are covered anyway.

I think you may have an argument on your hands there as I did get a quote from them for the landy and when asked they said green laning was not covered

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I got a really good quote from them (sureterm..) and paid, only for them to phone me a week later ask a few questions like do I use a company car while at work etc. And they said I didnt qualify and cancelled. Really made me angry as it was only £240 fully comp had to go to the next quote which was £550.

 

Since I asked the question I got a pm from another member and after doing a bit of googling it seems your story or something similar is very common.

Thanks for the reply :good:

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I tried loads, Swift.com were the cheapest for me but that was with 25k business miles/Freelander 2. Worth a try though and a quote only takes a minute to sort :)

 

Edit.......sorry, scrap that, just re read the OP :good:

Edited by ziplex
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  • 5 weeks later...

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