Discovery 2017

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  • Darras
    Member Since: 16 May 2020
    Location: Inverness
    Posts: 835
    United Kingdom 

    Mole HD wrote:
    I'm still tempted to buy a dashcam...which for me up here would be almost entirely senseless...but if I ever got caught out somewhere on mainland UK with some muppet jamming the anchors on in front of the Bling Barge in a crash for cash scam...the toerags usually scarper quick when you point out the dashcam...

    It's another sad fact that aforementioned muppets and scammers typically target the likes of us with our 'posh' Discos since they can practically guarantee we've got decent insurance Neutral

    This particular dashcam caught my eye...very tidy and unobtrusive looking. Cheap as 4K dashcams go at £170. Also one of the easiest to install that I've come across, no pulling the roof lining down to run cables or anything.



    Amazon Linky

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    You don’t need to pull down the roof lining for a dash cam.

    I’ve got a BlackVue front and rear. I simply ran a power cable from the top glovebox to the front passenger side, then up under the rubber across to the interior mirror where you can drop a cable down to the front dash cam, then a connecting cable inbetween the joins in the side trims and roof trims to the back, where you can just manage to push a wire into the rear boot rubber and down to the rear screen.

    Result - no cuts, tears or removal of anything, absolutely no showing.
  • Mole HD
    Member Since: 18 Nov 2024
    Location: Orkney Islands
    Posts: 705
    Scotland 
    2017 Discovery Td6 HSE Fuji White

    Still on the subject of insurers and their spurious practices. My renewal is due end of next month and the renewal quote from my current insurers was so far into in the realms of fantasy, I actually laughed at them over the phone and headed off to start lacing up my a*se kicking boots once again.

    So...looking around one of the comparison sites (Compare the market.com) last night out of bored resignation, I was surprised to find my insurers were right at the top amongst the cheapest in the extensive list of hopefuls, offering me a quote several hundred pounds less than they had quoted me on the phone the day before. To give you an idea of how many hundreds of pounds, the direct quote I received was £786...for a policy that cost me £485 last year.

    Lo and behold...on the comparison site, the quote for exactly the same comprehensive cover I have currently (with a slight adjustment in voluntary excess) was £385...which I paid immediately so my cover would be continued at that price...and before they discovered their error and started spouting numbers or speaking in tongues over the phone.

    I mean, really? Not only was the renewal quote via the comparison site £100 less than I paid last year...it's £401 less than they quoted me for the same cover over the phone.

    Shower of Censored shysters.

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  • Narpy
    Member Since: 30 Apr 2025
    Location: Stockport
    Posts: 160
    United Kingdom 
    2019 Discovery Td6 HSE Corris Grey

    I had a ding dong once with Adrian Flux. They loaded my renewal by quite a few hundred quid once so I told them to foxtrot Oscar. They begged me to tell them what my new company had quoted me and I wouldn’t tell them. They asked three times and eventually I unloaded on them by telling them that I don’t sell insurance, they do, so they must know how much I was paying as they make the rules, not me.
    I went on to tell them that after being a loyal, claim free customer of ten years standing, they did not reward loyalty, rather abuse it.
    They never got another penny from me.

    Cheeky bar stewards.
  • DieselRanger
    Member Since: 12 Oct 2017
    Location: God's Country, Colorado
    Posts: 796
    United States 
    2017 Discovery Td6 HSE Silicon Silver

    This insurance quote stuff reeks a bit of "dynamic pricing" where you log in to a website, it tracks your location to a neighborhood that is a bit higher income than average as evidenced by public tax records which they purchased from a web scraping service, and based on your browsing history scraped by cookies on that one website you accidentally clicked "accept all" that one time six years ago, they have decided that you can afford a premium that is nearly double the market price.

    Remember, insurance is the only business that makes money if they *never* provide you with the service you are paying for.
  • Mole HD
    Member Since: 18 Nov 2024
    Location: Orkney Islands
    Posts: 705
    Scotland 
    2017 Discovery Td6 HSE Fuji White

    Insurance prices depend heavily on your postal code in the UK...I don't live on the UK mainland, which is why my insurance quotes are very low compared to anyone living in the midlands or further south. Less toerags per square foot up here in the middle of the north sea to go around stealing stuff basically, not to mention hardly any cars on the roads for anyone to crash in to.

    I've been with the same insurer for over 30 years...even all my bikes have been insured through them. Until recently, their renewal quotes, specifically for car insurance, have always been very competitive...not always the absolute cheapest, but the options they offer as standard with the fully comprehensive cover have always been more attractive than most.

    The bike insurance used to work differently than car insurance as for many years, I had a rider policy with them which insured me as a rider rather than having a separate policy for each bike.

    The rider cover was a tiered system based on the CC of the bikes...50-125cc, 125-250cc, 250-400cc, 400-500cc, 500-750cc. 750-900cc and 900cc-unlimited (which covered absolutely anything on 2 or 3 wheels). Since the Harleys in my garage were either 1340cc Evo engines (80 cubic inches) or 1450cc Twin Cams (88 Cubic inches)...I had the top tier rider policy.

    The rider policy also gave me the same fully comprehensive cover, which included all my bike gear, on any bike not owned by me rather than a 3rd party only cover similar to most comprehensive car insurance policies.

    They discontinued the rider policies around 5 years ago, forcing me to insure each bike (and my bike gear) separately...with a (very) slight saving on multi-bike policies, no doubt as part of a profit grabbing venture by insurance underwriters...hence why I thinned my bike garage out severely. I went from owning 5+ bikes to just the one. Neutral




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    Last edited by Mole HD on 22nd Jan 2026 2:56 pm. Edited 1 time in total
  • DieselRanger
    Member Since: 12 Oct 2017
    Location: God's Country, Colorado
    Posts: 796
    United States 
    2017 Discovery Td6 HSE Silicon Silver

    Our insurance is based on a number of factors that includes postal code as well, but for premiums to spike nearly 100% in one term would have to mean that a) the insurer has paid out massive successive losses over the last two more years in that region, and b) they have lost a significant number of premium payers in that same time. In some cases insurance companies just completely pull out of a market and drop all of their subscribers if that's the case.
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