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Can't get insurance for Landcruiser 80 (due to postcode), any tips?

Try and find a small insurance brokers in the Sheffield S1 area. They will no doubt have an understanding of the risks better than most and may be able to quote more realistically.

https://www.google.co.uk/search?saf...1!3d53.37899529698066!3m2!1i1116!2i590!4f13.1

Thanks, that is a good tip, I will ring some tomorrow morning.
That said, I did speak to the local Sheffield branch of one of the specialist 4x4 insurers (can't recall which one right now) and they hung up pretty much as soon as I said 'S1'...
 
Thanks, that is a good tip, I will ring some tomorrow morning.
That said, I did speak to the local Sheffield branch of one of the specialist 4x4 insurers (can't recall which one right now) and they hung up pretty much as soon as I said 'S1'...
Are you sure there not getting this s1 mixed up with down town beruit??
 
Makes you wonder how many uninsured cars there are in S1 doesn't it. If the location is the stopper rather than the vehicle and its owner, there must be 10,000 vehicles in that postcode.
 
Makes you wonder how many uninsured cars there are in S1 doesn't it. If the location is the stopper rather than the vehicle and its owner, there must be 10,000 vehicles in that postcode.

You're probably right.
On the flipside, today's lesson has taught me why the private car park of my apartment block, which is sizeable and holds plenty of parking spaces, only ever seems to have about 5-6 cars parked.

Ask the neighbours who they'e with?
This is also a good idea. I do have a cool down period of 2 weeks once I sign with any insurer, so that gives me some time to try and find out who are the owners of which parking bays (as it's not immediately obvious from the bay numbers which flats own them).
 
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Hmm, at the risk of being flamed here, i have to admit to not declaring "mods". What difference does a 3" exhaust make? Or a 2" lift? Or a winch behind the factory bumper? Heated folding mirrors?

none.

Its just an excuse to demand more money from a captive market.
i had a few claims in my younger years and never had a car inspected.
How would they know the rusted oem suspension was a mod?
how would they know you knew that 3" exhaust wasn't a 2 1/4"?

im not condoning nor suggesting just sayin..[/QUOTE I'm with you on this one. Had a standard defender 110 truck stolen some year's ago and the payout on that was an insult. I simply see insurance as a legal requirement now. Obviously all of my 3 80s are stock!!!!!!!
 
On the flipside, today's lesson has taught me why the private car park of my apartment block, which is sizeable and holds plenty of parking spaces, only ever seems to have about 5-6 cars parked.

Although, in response to my own words above, the car park could also be near empty all the time because there seem to be a fair amount of students who live in this block.

If it's not the post code but the car and the owner, thus me, then I wonder what else it is about me that would set off alarm bells. I have no convictions / previous accidents or claims to my name; the only things that are slightly out of the ordinary is that I am nearly 37 with only a 6 year old license, and that I wasn't born in Britain. But neither seem that extreme of a risk thing IMO.
 
With you on this one. Had a standard defender 110 truck stolen some year's ago and the payout on that was an insult. I now see insurance as a legal requirement only. Even if declared mods and payed extra cant imagine ever getting paid out. Obviously all 3 of my 80 s are stock!!!!!
 
With you on this one. Had a standard defender 110 truck stolen some year's ago and the payout on that was an insult. I now see insurance as a legal requirement only. Even if declared mods and payed extra cant imagine ever getting paid out. Obviously all 3 of my 80 s are stock!!!!!

So when you give the reg number of a vehicle to an insurance company, assuming it's second hand, don't they have a database somewhere that could potentially show what mods had already been added prior to that date?

Asking for a slightly paranoid friend.
 
Exactly gav, most of us will pay into an insurance policy for decades without making a claim, if ever. When the time comes they will pay the absolute minimum and try every loophole in the book to get out of coughing up.
i remember my father being involved in a serious accident on the motorway when a belgium tanker cut across him in the hgv he was driving. He had to be cut out of the vehicle. It took him 18 months to see a penny, most of which he had to fight tooth and nail for through an independent solicitor, he was bringing four kids up at the time and couldnt work for six months, it was a real struggle.

bunch of underworked overpayed, slimy, yellow bellied toss rags the lot of em..
 
So when you give the reg number of a vehicle to an insurance company, assuming it's second hand, don't they have a database somewhere that could potentially show what mods had already been added prior to that date?

Asking for a slightly paranoid friend.
Can't see how anyone can keep records on what are basically add on extras. Can be removed just as easily as put on.
 
Has anyone actually said to you that the postcode is a problem ?

Also if you are willing to transfer risk, 3rd party is an option ( add fire theft etc ).

Then there is the value question. Agree somethung sensible? Offer large excess?

W.r.t mods...its a case of how much you can claim on them, when, and where. Eg. A towbar will typically lower your insurance a bit. So maybe again, just agree value on the mods.

Finally, have you ever had a car ever? All insurance entites will entertain an internaltional no claims certificate (with x years, the value of x deviates from one to the other, but it does go upto 4yrs I found ).

Do you also have an international permit to drive here (ie not based off your UK license ). If so, that too will have a non dramatic reduction in insurance.

Post finally, £1500 as the first off, for car parked out on the street for a car originally valued at over £40k is not a bad price per se. A lot of the prices the old hats are quoting here are built off ncb/business/term/value situation. Dont beat yourself up over it. Remember santa will bring you a 20% discount at the end of yr1.

Post finally finally, put in a black box.... maybe just ask the jokers what you can do to bring it down, speak to brokers, your neighbours, see how you can mitigate riak, transfer it etc etc.

Post finally finally finally, maybe get a friend to introduce you to their insurance company and ask for an intro NCB. Aviva and directline etc have all been known to do this (but they are also the kind of companies that claw back and increase prices at every opportunity - so read the fine print )
 
Can't see how anyone can keep records on what are basically add on extras. Can be removed just as easily as put on.

Fairly sure the motor insurance database has a lot of detail.
 
Has anyone actually said to you that the postcode is a problem ?

Also if you are willing to transfer risk, 3rd party is an option ( add fire theft etc ).

Then there is the value question. Agree somethung sensible? Offer large excess?

W.r.t mods...its a case of how much you can claim on them, when, and where. Eg. A towbar will typically lower your insurance a bit. So maybe again, just agree value on the mods.

Finally, have you ever had a car ever? All insurance entites will entertain an internaltional no claims certificate (with x years, the value of x deviates from one to the other, but it does go upto 4yrs I found ).

Do you also have an international permit to drive here (ie not based off your UK license ). If so, that too will have a non dramatic reduction in insurance.

Post finally, £1500 as the first off, for car parked out on the street for a car originally valued at over £40k is not a bad price per se. A lot of the prices the old hats are quoting here are built off ncb/business/term/value situation. Dont beat yourself up over it. Remember santa will bring you a 20% discount at the end of yr1.

Post finally finally, put in a black box.... maybe just ask the jokers what you can do to bring it down, speak to brokers, your neighbours, see how you can mitigate riak, transfer it etc etc.

Post finally finally finally, maybe get a friend to introduce you to their insurance company and ask for an intro NCB. Aviva and directline etc have all been known to do this (but they are also the kind of companies that claw back and increase prices at every opportunity - so read the fine print )

Lots of good suggestions here, thanks.
As for if anyone has actually told me the post code is the problem, yes some did say that outright, but others mentioned the 0 NCD and first / only car ownership.

I just did a test quote with an old address of mine way out of Sheffield and it went £400 lower. So while I wouldn't be able to get it cheap, the postcode is a big factor.

I will think about / implement your suggestions to negotiate the price down. As for an international permit or ever owned a car before (abroad), the answer is no to both - I got my license in the UK.

And I agree by the way, no need to beat myself up over it, it's just annoying and a bit unexpected is all.

Cheers!
 
Did a quick bit of digging and found this list - not sure how upto date it is, but it closely mirrors my experience with UK postcodes (RG7, FY6, SY7)

I had a similar problem the first year I had to get insurance - the problem was I needed 6 months overseas coverage in one block. £1500 thank you... next year, when I didn't need that it was £500...

With yours, it sounds like the carparking overnight is secure (although not a private garage) so make sure you mention that. Are you leaving it there during the day as well? That can make a difference as well.

Give A-Plan insurance brokers a ring - one of the lads here will tell you which branch is the 4x4 specialist one - and get them do the hunting for you.

Good luck!
 
Membership of the Institute of Advanced Motorists often gets the cost down, but of course there's time involved with the assessor and passing the test so that's one for the future. I would think very hard before adding a black box. They can penalise for heavy braking, acceleration and change of direction (or so I'm told) regardless of why.

Your bank may offer insurance but is unlikely to be much different.
 
Shame you cant add your car to the house insurance as 'contents' :)
 
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