Ok....i received this letter this morning from my insurance broker sent on behalf of Norwhich Union who i've been with for donkeys/
Quote "Norwich Union require confirmation that your Discovery has a Thatcham Category 1 alarm system, if so please forward the certificate. If not, cover will be restricted to third party risks only until an aproved alarm is fitted"
Well i can tell yer the air was blue this morning, Firstly my broker didnt advise me this when i originaly put the Disco on my policy, secondly after years of no claims i think its ****ty of Norwich to treat me thus.
Strangely enough only yesterday i was talking about insurance with the 4x4 Centre where we're off to tomorrow, they were saying that if you have the various certificates for offroad training, you will be able to get discounts sometime soon. Land Rover being one company moving in this direction.
So....on reciept of the above letter i phoned LR customer services and ascertained that pre 95 Disco models only had the lucas system fitted, and yes LR were aware that Norwich Union were not accepting pre 95 Discos for insurance unless the alarm system had been upgraded.
However LR were perfectly happy to insure me themselves with the current alarm for £462 .....
So then i phoned the caravan club , since i'm a member, and got quoted £369....thats fully comp, with NCD protection, and the missus driving
Next on the advice of the 4X4 Training school at Honiton i phoned Frizzell who like the caravan club were perfectly happy with my factory fitted Lucas alarm, for £273 i dont have to pay any excess on anything, and i've still got my NCD Protection , plus i'm covered for any damage that i or the missus might cause whilst being off road to with our LR, but not obviously for competitive off road stuff, so not a bad deal ?
The only prob then was that under my Norwich Union policy i had full relay breakdown cover (worth its weight in gold) ....but with Frizzell no breakdown cover. I dont like the AA, the RAC aint too bad....but Frizzell recommended joining the CSMA and getting a discount through Brittania......so thats what we did....Full breakdown and relay with caravan for......£68 and that includes my £17 membership to CSMA
Lol.....then i noticed that CSMA organise caravan insurance....hmmm i thought......ah feck might as well go the whole hog ......so for £135 got the caravan and contents covered as well
Very nice helpfull folks at CSMA, and Frizzells, and especialy LR customer services.
Bottom line is.....shop around, and stuff Norwich Union
Oh.. and it would have cost £279 to upgrade the alarm system had i gone that route
