'Modern Classic' Insurance

[tractorman]

I have both tractors on a classic tractor policy with NFU. The daily (a 2008 Golf) is with Direct Line. When I bought the '71 Land Rover, I rang NFU and they said I couldn't make the tractors fully comp (I wanted the Landy fully comp even if the tractors aren't), so they set a separate policy up for the Landy: fully comp, with a £3000 value and full NCB - for a mere £140! That's not a full year though: they also set the end date a couple of weeks early so that both policies come up for renewal on the same day. I gave them an optimistic estimated mileage of 3000 pa; I hardly do that with the Golf, so I doubt I will do a third of that with the Landy!

To be honest, I'm seriously thinking of getting them to quote for the Golf next time. They weren't concerned that I had written off the last Golf within the last eighteen months; I think the NCB came because I have been insuring tractors with them since 1999 and did ask how I had got 70% but she was a little evasive!

[TerryG]

That is very low mileage. Last year I did 25,000 in the daily, just under 10,000 in the range and 4 in the mog.

[tractorman]

I have a legacy dog who won't "do" cars (ex-RSPCA neglected animal). She was a care dog for my mother and isn't happy being left for very long, so long trips are out. I'd leave her with neighbours, but they keep stuffing Shapes down her throat and I've just got her to a sensible weight for her arthritic legs - Mother used to give her "tit bits" of ham rolls, pork pies and anything that could be passed down from her plate!

Tesco and eBay are quite handy for shopping!



That's her thin side - there's a "fatty lump" from shoulder to the stomach on the other side, which makes her look rather fat!

[TerryG]

Have you got her trained to guard the tractor?

[SirTainleyBarking]

I have both tractors on a classic tractor policy with NFU. The daily (a 2008 Golf) is with Direct Line. When I bought the '71 Land Rover, I rang NFU and they said I couldn't make the tractors fully comp (I wanted the Landy fully comp even if the tractors aren't), so they set a separate policy up for the Landy: fully comp, with a £3000 value and full NCB - for a mere £140! That's not a full year though: they also set the end date a couple of weeks early so that both policies come up for renewal on the same day. I gave them an optimistic estimated mileage of 3000 pa; I hardly do that with the Golf, so I doubt I will do a third of that with the Landy!

To be honest, I'm seriously thinking of getting them to quote for the Golf next time. They weren't concerned that I had written off the last Golf within the last eighteen months; I think the NCB came because I have been insuring tractors with them since 1999 and did ask how I had got 70% but she was a little evasive!

NFU insure my Discovery on a Standard Comp policy, but I had to transfer the series to a restricted mileage classic policy elsewhere as NFU were getting a little silly with the price ('73 109 Safari - around £400) I think the fact you have a couple of tractors with them helped a lot.
Also I think it depedns on which branch handles the insurance