SLROC Forum
General Category => GENERAL CHAT => Topic started by: tgreer on July 24, 2010, 12:50:16 AM
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Hi All,
Looking for some guidance from you knowledgeable people!
My land rover (S3 109" Hard Top) has a 3L Essex V6 in it.. with that engine in it i'm looking at nearly 2k for insurance... with a standard 2.25 petrol in it i'm looking at 600... part of the problem is my age, i'm only 20...
So explanation over my questions are these:
Do you think I should keep the Essex or should I swap it out for the standard 2.25L petrol?
Can the 2.25 petrol pull the land rover respectably?
How much can I get a 2.25 petrol engine for these days?
Is the swap easy enough?
Any help would be much appreciated :)
Thomas
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I would try & find an insurance company that will insure a modified vehicle for a younger driver,
& not hammer you.
www.premiumchoice.co.uk
They might be restrictions now on young drivers with the 4x4 policy they do regularly, (cover with KMG)
BUT they might find you cover somewhere with someone..
They gave me cover for a 22 year old driving a V8, for ?950,
that was without NCB being used.
Others might have someplace that they can recommend,
but check out Footman James, Adrian Flux, NFU etc.
all the best.
george
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Any other suggestions?
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If it was me faced with that insurance quote,I'd be considering putting the 2.25 petrol back in until i'd accumulated some NCB etc, and to bring the premium down. From 2K to 600 is quite a difference. There was another youngster on here asking the same question, and i think he 'de-modified' his series.
My 109 is diesel, and its quite some time since ive driven a petrol Landy, so i cant really compare, but my old girl pulls as respectably as an old series can. ( I dont tow heavy loads-i use the van) She's no speed machine but then she's an unmodified series, but she can keep up with modern pace.
I'm no expert on the mechanical side off it, but im sure other people will help you on that one. :)
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I have a 109 2.25 petrol 109 it trundles along at 55 mph unless i have 2 motor bikes 2 passengers and a dog going to Dornoch :).
Getting an engine wont be expensive,why didnt u just buy one with a standar engine?
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I went with Premium Choice as suggested by George when I bought the 110 off him and pay about ?240 fully comp. And that's slightly modified in that it has a 4.6L RPi engine in it. They are very helpful.
geoff :)
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I have a 109 2.25 petrol 109 it trundles along at 55 mph unless i have 2 motor bikes 2 passengers and a dog going to Dornoch :).
Getting an engine wont be expensive,why didnt u just buy one with a standar engine?
I was foolish and daft and bought it without thinking much :P
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am sure folk will correct me if im wrong but i think the insurance's biggest gripe will be its a none landy engine. may have had less grief if it was a newer version ie 2.5 instead of 2.25 but your into real modified teritory with insurance id think. im still thinking on my fleet just now but before i buy or look at a landy i run insurance quotes to get an idea what diferent motors/changes cost
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My 2.25 petrol went fine 50-60 ish but fuel consumption was an issue dont you fancy a 200 tdi and remove the turbo relativly easy to convert run forever and decent mpg!!
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My 2.25 petrol went fine 50-60 ish but fuel consumption was an issue dont you fancy a 200 tdi and remove the turbo relativly easy to convert run forever and decent mpg!!
The problem is as jumbo says non standard engine, its a modification... if it was the 3.5 V8 from the stage one I don't think they'd care
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The way Premium Choice look upon modified vehicles is that if you're going to spend time and money on carrying out mods, you're unlikely to wreck your motor.
geoff :)
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Some info on engine that might intrest you.
www.glencoyne.co.uk/200di.htm
Have you spoken with the Brokers that deal with classic/modified vehicles already,
going for limit annual milage etc?
Are they putting the high cost of cover down to age,
& will they provide cover cheaply/reasonably with any type of non standard fitment/replacement engine?
Have any of the specialist Insurance Brokers asked you details of the engine other than the CC's?
The Ford V6 conversion was very common
& never a problem/expensive for insurance having one installed in a LR,
other than the age of the Main or named driver.
(i have had 2 vehicles with them fitted in the past & really liked the engine)
www.steve-parker.co.uk
I have never been asked the make or bhp etc when declaring an engine swap, only some details of the modification & a declaration.
Is the conversion proffesionally carried out ? etc.
As i said previously i got cover for a 22 year old.
well just renewed this week for him at 23,
& its ?725 fully comp for a 3.9 V8 LPG Disco on a 4x4 policy without using his NCB which is on his road car.
Thats a standard engine tho & only modified suspension & wheels/tyres.
all the best.
george
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geoffg: They wouldn't insure me because of bhp increase..
georgew: On the phone to lancaster just now, 2nd company to ask details of engine swap.. They're away to speak to underwriters
Adrian Flux are putting it down to age and the fact I had an accident last year (car spun out due to ECU failing).
NFU won't give me insurance cos of my age and theres no relation to the company (ie my family dont have anything)
Footman James won't touch me.
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:)
Cars didnt have ECU's when i was young & had the occasional motoring mishap,
or i might have been using that one.
Maybe you will find someone with a good running Series in your area that fancies fitting an engine like yours
& can do a mutual swap to keep costs down.
(Someone with work space, tools & knowledge will be a boon)
Worth advertising if you luck out with the insurance.
what is your area?
george
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WOOOHOOOO!!!!
Nevermind engine swaps, Lancaster have given me a nice quote of 300quid
Dear Mr Greer,
Thank you for submitting your quotation form.
We have calculated a premium based on the information
which you have provided.
Premium: ?323.70
Woop Woop
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hey hey hey
nice one mate. thats with you as a high risk youngster with an engine change? that is ****** good no matter how you look at it. might be giving them a call next renewal time
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hey hey hey
nice one mate. thats with you as a high risk youngster with an engine change? that is ****** good no matter how you look at it. might be giving them a call next renewal time
Yup limited mialage of 4k a year its only third party fire n theft... but tbh it's a series 3 when am I going to need fully comp? :)
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hey hey hey
nice one mate. thats with you as a high risk youngster with an engine change? that is ****** good no matter how you look at it. might be giving them a call next renewal time
Yup limited mialage of 4k a year its only third party fire n theft... but tbh it's a series 3 when am I going to need fully comp? :)
Strangely enough the Insurance companies often give fully comp for LESS than 3rd pty F&T.....proabably working on the basis that the only folk who ask for 3rd pty are bound to be young drivers/poor risks. Boring but the best advice is to get a dull motor for the first couple of years....
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I agree with Gene on that one-Both my van ( which is a ridiculous group 13 :o ) and 109 are fully comp-cheaper than T.P/Tp.F.T.
There are also more advantages to fully comp.....(.like getting a brand new 110 hire when some idiot smacks into the back of your Landrover being one of them.)
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If I remember correctly we gave the subject of insurance a fine going over at the weekend.
One other way of getting a discount is to put your wife on the policy, sounds a bit drastic needing to get hitched to save 10% but if the "cap fits........................."
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It seemed such a good quote i would have been grabbing it quickly.
(just make sure you 'declare' everything on the sheet you get
& a good starting milage that suits the last MOT.)
Usually,
TPF&T has been more expensive when i have been getting quotes for young family members.
The named driver thing has always been cheaper with an 'experienced' female driver.
(experienced as in over 5 years driving with access to her own vehicle & having a policy in her own name.)
A sister, mother, aunty, granny, 'Friend' etc has always been OK, as long as they have low risk occupations.
glad you got sorted tho.
george
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One other way of getting a discount is to put your wife on the policy, sounds a bit drastic needing to get hitched to save 10% but if the "cap fits........................."
sure glad the equal opportunities/sex discrimination is alive and well. hate to think that a MAN with a mere 5 years save driving under his wheels could get a cheaper policy than a WOMAN who has driven 20 safe years based purely on sex and no other reason like skill, experience, qualifications etc
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Jumbo, in Sundays Top Gear they spoke about Summer & men drivers.
Sorry,
sexist i know,
BUT i must admit it rung true with me,
As much as i tried last week in Edinburgh in Fredrick St & Outside the Balmoral on a fine sunny night,
i couldnt keep my eyes only on the road & only on safe driving.
(i was also looking up to see if you were driving. LOL)
Could this be why premiums are different? Its factored in.
george
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oh you were doing a bit offroading in edinburgh? sunday night id of been getting back from our wee trip then lol. just wish the pedestrians paid as much attention to the motors as drivers do to thier skirts ;) lol