NFU car insurance

[sam triple]

Spoke to the NFU today about insurance on my CRV they came back with a ridiculous price of £800 , I’m no spring chicken , max no claims , no points on licence no convictions , quick go on the net with LV and they came in at £326 ,  how can the NFU quote such stupid prices is beyond me 

[scarecrow243]

i am with them 2.9 diesel  fully comp and breakdown 340 odd a year

[ditchman]

i was with NFU for 10 years and always delt with the same bloke..........then one day they sent thro my new insurance quote which was more than double the previous year...phoned them and couldnt speak to my contact of many years....and they said more or less take it or leave......bunch of w*******

ended up with SAGA.....fine for two years then THEY wacked up the price......told them to do one....

got a quote from Norwich Union....think it was about £870 quid......stuff that 

so went to a broker....andhe got me a deal for £180..............which i paid for....before i put the phone down ...i asked him who with.......he said ......

wait for it......Norwich bloody Union 

[JohnfromUK]

I use the NFU and have a multi vehicle policy, full NCD, 2 garaged, 1 parked off road, and 1 driver (me) with good record (no recent claims/points/offences) and in my 60s.

3 vehicles ....... Defender 90 (old type 200 tdi), Mercedes SLK (currently on Fire & Theft only) and Toyota Land Cruise (2 year old model).  That's 2 vehicles on fully comprehensive and one F&T only.

All in - £850.

When I bought the Toyota, it was replacing an older (2007) BMW 335 estate, so fairly high performance/risk rated, but did have an approved tracker which was on it when I bought it.  I got indicative quotes for several options (LandRover/RangeRover and similar 'serious' 4 x 4 models) of 2 to 5 year old vehicles.  They were very helpful (my local office and it was quite a long call) and it became clear that there were huge differences on different vehicles.  This was apparently due to claims statistics - both risk of claim and cost of claim.  Maybe this plays against a CRV?

The Toyota was marginally more expensive than the outgoing BMW, I think just due to being a newer vehicle (and therefore more valuable), and not having the approved tracker which gave me an annual discount.

Certain LandRover/RangeRover models they would only quote against an exact vehicle as there could be 'special terms'.  I think this referred to additional alarms/tracker being compulsory for some variants (there are dozens of options/specs), but I didn't follow up as it applied to models not on my (affordable) list!

The NFU are also expensive for 'any driver' policies I think, as mine is a lot cheaper as 'one named driver'.   i can add named additional drivers (at extra cost) for short periods (I think by the day) which I have used in the past when I wanted to share driving on a long (pre-planned) journey such as distant shoots.

[London Best]

NFU insurance is/can be more expensive than others. 
But remember this:  when you need them there is never any quibble or argument. Absolutely the best vehicle insurance out there. 
For 25 years I had a multi vehicle policy just like John.

Edited June 8 by London Best

[Westley]

13 hours ago, sam triple said:

Spoke to the NFU today about insurance on my CRV they came back with a ridiculous price of £800 , I’m no spring chicken , max no claims , no points on licence no convictions , quick go on the net with LV and they came in at £326 ,  how can the NFU quote such stupid prices is beyond me 

I too have a CRV and was with the AA insurance.  I am 79 and, like you, no convictions, claims etc. My renewal was around £500. I eventually went with a subsidiary of LV called Allianze (formerly Flow). They are an 'on line' company and I paid £290. LV were quoting in excess of £400.

[islandgun]

When my wife went off road and up a lamp post in our old shogun, nfu paid up without argument and even added to the payment as he suggested it had increased value due to age and collectability. they even paid for a new shed when our old one blew away in a gale. Had an email from someone or other to renew on old van this a.m quoted more than the van cost..😄

[sam triple]

Got fully comp cover through Hastings Direct , windscreen cove r , breakdown , protect no claims , uninsured driver , etc etc, £374 , so I’m happy 

[JohnfromUK]

Not sure if this was intended as a joke?  The chain would hold an angle grinder for all of 5 seconds ......... but joke or misguided attempt at serious measure, it does highlight the problem insurance companies have.

https://www.dailymail.co.uk/news/article-13578201/Desperate-Landrover-owners-chaining-cars-TREES-stop-4x4s-stolen-lawless-London.html

[Miserableolgit]

I was with NFU for many years but pice hikes means I’ve been with LV for the last few.

[oldypigeonpopper]

Hello, After 1 year with the AA from a price hike with Lloyds i now find the AA are wanting  £200 more , that is £260 to £460 , 50 years plus driving and full NCB 🙄

Edited June 30 by oldypigeonpopper

[JohnfromUK]

31 minutes ago, oldypigeonpopper said:

Hello, After 1 year with the AA from a price hike with Lloyds i now find the AA are wanting  £200 more , that is £260 to £460 , 50 plus driving and full NCB 🙄

All motor insurance has increased dramatically.  Reasons I have been given are;

1. Cost of repairs following (repairable) damage has shot up as parts like lights etc are MUCH more expensive
2. Time to repair has also increased because many parts are in short supply
3. Modern 'keyless' systems are not very secure unless precautions are taken against 'relay' attacks.
4. Vehicle theft is up and recovery rates down (apparently) with stolen vehicles going overseas
5. High Tech theft is easy on some cars - break a minor item to access the "canbus", plug in a device (that I understand is readily available to criminals) and basically drive off.
6. Some cars, notably electric cars are hard to repair, so the 'write off' rates on newer cars are higher.

[oldypigeonpopper]

1 hour ago, JohnfromUK said:

All motor insurance has increased dramatically.  Reasons I have been given are;

1. Cost of repairs following (repairable) damage has shot up as parts like lights etc are MUCH more expensive
2. Time to repair has also increased because many parts are in short supply
3. Modern 'keyless' systems are not very secure unless precautions are taken against 'relay' attacks.
4. Vehicle theft is up and recovery rates down (apparently) with stolen vehicles going overseas
5. High Tech theft is easy on some cars - break a minor item to access the "canbus", plug in a device (that I understand is readily available to criminals) and basically drive off.
6. Some cars, notably electric cars are hard to repair, so the 'write off' rates on newer cars are higher.

Hello Well the AA will not get any more money from me as i will cancel tomorrow

[oldypigeonpopper]

On 30/06/2024 at 17:35, oldypigeonpopper said:

Hello Well the AA will not get any more money from me as i will cancel tomorrow

Hello, Update, i thought to try a local Insurance Co , cheapest over £700 🤔 , What is going on !!!!!!

[JohnfromUK]

48 minutes ago, oldypigeonpopper said:

What is going on !!!!!!

As said above ALL insurance - and particularly motor insurance has gone up a lot.  More thefts and higher repair costs.

[oldypigeonpopper]

13 hours ago, JohnfromUK said:

As said above ALL insurance - and particularly motor insurance has gone up a lot.  More thefts and higher repair costs.

Hello, i just tried to compare on U Switch , Best was Moja ?? £363 

[JohnfromUK]

5 minutes ago, oldypigeonpopper said:

Hello, i just tried to compare on U Switch , Best was Moja ?? £363 

I have never heard of Moja. 

They seem to be part of AXA and also seem to get decent reviews. 

[oldypigeonpopper]

1 minute ago, JohnfromUK said:

I have never heard of Moja. 

They seem to be part of AXA and also seem to get decent reviews. 

Hello, That is what i read John, 

[oldypigeonpopper]

6 minutes ago, oldypigeonpopper said:

Hello, That is what i read John, 

Hello, Tried U switch , any other web site recommended ??

[button]

We just changed vehicle and new quote from existing provider £2.2k per year, quick search online £340 per year, beggers belief

[Lever357]

I have called NFU a few times over the years and they must be the only company who do not give you a quote straight away. I was always told "We will go to underwriters and get back to you in a few days." Really? You have not got computers like everyone else???

[JohnfromUK]

1 minute ago, Lever357 said:

I have called NFU a few times over the years and they must be the only company who do not give you a quote straight away. I was always told "We will go to underwriters and get back to you in a few days." Really? You have not got computers like everyone else???

Strange.  They have always been very helpful to me.

Back in February when I was planning a car change (I had had the previous car insured with them for 16 years) I had a long telephone call with my local NFU office in which I asked for budgetary quotes for a number of different possible vehicles (used fairly recent 4 x 4s) ......... and also several times asked for "what-if" I was to have the next sized engine, different spec, or the older model etc.  The call probably lasted well over half an hour and I got budgetary quotes verbally there and then for several 'possible' vehicles.  There were some (only more recent Land Rover/Range Rover models I think) where they would only quote against a specific vehicle as I understand that there are a lot of variations that cause a BIG variation.

It is important information because there was a LOT of difference (in cost and in some cases restrictions such as trackers or alarms) between various models on my 'wish list'.

When I actually ended up focussed on a particular individual actual vehicle (i.e. a specific make, model, registration number) again a phone call produced a fixed quote (of difference to settle) once a changeover date was agreed to 'roll over' insurance from my previous vehicle.

It may be that it is because I use the local office - not the head office?

[SxS]

With NFU you always end up with the local office, it’s how they work.

I insure my home, farm, and some extra land with them. Every year they ask about insuring my cars, every year they want to go through the ball ache of doing it the old fashioned way where you read them all the details over the phone.. in office hours of course. much harder than simply entering online at a convenient time. 

Whenever I’ve bothered to try, they then always say that they can’t cover the vehicle I want to start insuring first (usually my Range Rover as that comes up for renewal around the same time as my home insurance). That I’ve insured other stuff with them for years and haven’t had a car insurance claim for around 20 years doesn’t stop them saying that they “want to get to know us” for car insurance before they’ll insure the RR.  Invariably, as a result of having wasted so much time trying to get a quote I don’t bother doing it again when the next car comes up for renewal. 
They’re probably OK if you’ve already managed to get car insurance with them but otherwise it’s nowhere near as straightforward as other insurers.  Tbh, the overall impression I have of them from my other insurance with them is that they like to keep things paper based and quite bureaucratic which is a PITA if you try to deal with admin in an evening/at weekends. 

By coincidence, also just binned Hastings (mentioned by another poster) for a policy after it went up 50%.  You need to be very firm with them (and actually call them) when you want to stop your policy auto-renewing. Quite a hard sell to get you to stay, even if you’ve already bought a new policy elsewhere.  Comparison site came up with a quote less than the previous years. 

[marsh man]

On 03/07/2024 at 08:59, JohnfromUK said:

I have never heard of Moja. 

They seem to be part of AXA and also seem to get decent reviews. 

I was with AXA last year and I have recently got this years quote in which start in a few days time , last year it was a few quid over £400 , this year it have jumped up to £817.75 which is over double , looking on the comparison sites I could easily find ones which were around £500 , some I haven't heard of so for the sake of a bit extra I took out a new car insurance with Aviva , in my haste I put a G on the end of reg instead of a C , the car that came up was also a Vauxhall but a different model , I changed it online after I had already paid but to be on the safe side I rang them up this morning to see if it was any more or less money , hardly no waiting and the lady on the phone was very helpful , she set up a brand new one and it was around £35 cheaper and is going to put the over payment  back in my bank account , I have got my house and contents with Aviva and they seem well in line with other insurers , slightly dearer than some I haven't heard of but cheaper than some of the well known ones .