What are you paying to insure your Hilux ?

[Ratcatcher]

£645 with them for my 2023 Hilux Invicable X, rural Ayrshire paid last September.

Got a £66 refund when I added an additional driver in January 2025!!

Additional driver was £180 more

 

[Malxwal]

Just been looking at a farming forum where everyone had ditched NFU saying premiums through the roof.

 

[timbrayford]

Additional driver was £180 more

Depends on the driver, adding one with a good driving record reduces the premium

 

[timbrayford]

Just been looking at a farming forum where everyone had ditched NFU saying premiums through the roof.

Had to threaten NFU mutual with legal action get paid out when I made a claim

 

[McKenzie]

I’ll be shopping around this time as NFU is just too expensive now. Comparison sites suggest I can get the same cover for half the price

 

[shoppe]

What to do is. Call up the company.
Ask for a cheaper deal.
You need to adjust something, down the value of the vehicle, tell them you are now doing less miles, just tell them something.
This will give them a chance to re quote as you have now changed your circumstances.
Works for me in past .
Shoppe

 

[Ratcatcher]

What to do is. Call up the company.
Ask for a cheaper deal.
You need to adjust something, down the value of the vehicle, tell them you are now doing less miles, just tell them something.
This will give them a chance to re quote as you have now changed your circumstances.
Works for me in past .
Shoppe

And for me in the past, not this time

 

[Malxwal]

Aye, the mileage claim wouldn't work as I do a fair mileage and have owned from new. I am aware that Hilux is a target for thieves too, which has impacted on premiums. Still, I'd rather pay an extra couple hundred quid than drive a Fordy

 

[270TOMMY]

October 24 mine was£520 fully comp/courtsey car few weeks euro cover no extra bla bla for my20 reg barbarian double cab with van compare very nice to deal with

 

[Malxwal]

October 24 mine was£520 fully comp/courtsey car few weeks euro cover no extra bla bla for my20 reg barbarian double cab with van compare very nice to deal with

Just tried them, wild quotes.

 

[homer]

I’ll be shopping around this time as NFU is just too expensive now. Comparison sites suggest I can get the same cover for half the price

That doesn't surprise me one bit!

 

[Mungo]

Prices seem to have shot up and down. I was with Admiral 2019-2023. Hovered around the £450 mark. 2024 they quoted me £1200! I shopped around and got £750 from Adrian Flux, who subsequently raised it to £950.

This year, Flux quoted me £550 again.

None of it makes sense.

 

[homer]

Prices seem to have shot up and down. I was with Admiral 2019-2023. Hovered around the £450 mark. 2024 they quoted me £1200! I shopped around and got £750 from Adrian Flux, who subsequently raised it to £950.

This year, Flux quoted me £550 again.

None of it makes sense.

That's just insurance companies for you. I think they just pick a number!

 

[Tom270]

Mines now £800 business and pleasure 22 plate Hilux 19 years with direct line!

I was with direct line like you for years and it was a food deal but I moved to Lv 2 years ago as direct line was twice the price

 

[timbrayford]

That's just insurance companies for you. I think they just pick a number!

In proper business terms its called opportunity pricing. Usually works like this, year 1 you get a competitive price to get your business, subsequent years premium priced in the hope that you don't look elsewhere. Usually such quotes contain something along the lines of if you get a better quote give us a chance to match it!

 

[homer]

In proper business terms its called opportunity pricing. Usually works like this, year 1 you get a competitive price to get your business, subsequent years premium priced in the hope that you don't look elsewhere. Usually such quotes contain something along the lines of if you get a better quote give us a chance to match it!

Loyalty doesn't mean a thing now!

 

[sauer]

Hasn't meant anything for years

 

[@theroedeerguy]

Try yoga, the insurance company, NOT the pansy stretching

I’m £306 with Yoga, for social domestic and pleasure with commuting to work included.

9 years no claims.

2016 Hilux Invincible 2.4 auto.

 

[Yorkie]

I’m £306 with Yoga, for social domestic and pleasure with commuting to work included.

9 years no claims.

2016 Hilux Invincible 2.4 auto.

Hi.
That seems very reasonable, may i ask what your excess is please? My Jeep insurance is due in September.

 

[Malxwal]

I spent a while last night doing the search engine thing. Best I could get was about £487 from some completely unheard of mob. My existing Aviva is £627, but get 10% discount from that as it's a multi car policy. There were, as you'd expect, some totally wild quotes, but it would seem that Aviva are actually still quite competitive.