To find our favourite insurer, we needed to hit the keyboard and the phones to uncover the best quote. Recognising that few of us actually enjoy listening to hold music or talking to a call centre, we always used an online quote facility first, if it was offered.
This allows you to get prices while sitting in front of the telly at night, or at least helps speed up the calls by entering the details quickly.
Where the site suggested we call for the best price, we did. We also took follow-up calls if they came from brokers who were keen for our business and wanted to requote.
The car we asked to insure was a 2003 Defender 110 Station Wagon Td5, worth £8000. It is a five-seater fitted with a roof rack, winch and an insurance-approved S7 tracking device.
The car is kept in rural Hertfordshire and parked on a driveway. Its drivers are a 49-year-old manager of a fast fit centre and his wife, an exam invigilator at a school.
They both have access to other cars and the Land Rover is for social, domestic and pleasure use only, covering around 5000 miles a year.
HAGERTY
0333 323 1138
BEST QUOTE: £460.88
THE smart Hagerty website has a great facility where it will give an indication of a policy cost without you having to fill in reams of forms. You simply tell them your name, car, value and the mileage you intend to cover. The maximum we were allowed was 3000, so selected that.
This generated a guideline quote of £460.88 which includes breakdown, agreed value, salvage retention and legal cover. That’s a good package but still doesn’t justify the extra cost, so if we were genuinely looking for cover the price would have been enough to make us look elsewhere. We
