Insurance

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Hello one and all
My insurers are insisting I fit a Thatcham cat 1 alarm to my TLC, a 10 year
old machine. I'm not sure I want one as they can malfunction at the most
unexpected time and place. Would appreciate thoughts.
Jeremy
Jeremy Llewellyn-Jones
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Jeremy, if this is request coincides with renewal then I would be
looking at changing companies. I can only speak for "more than" (Royal &
Sun Alliance) no such requirement has been made to me, however,
different areas and hence theft rates may have specific requirements. I
use a Disclock (medium size) - Thatcham approved - that completley
covers the whole of the steering wheel. A highly visible detterent. I am
not a fan of alarms, they are more often than not ignored by most
people, a good imobiliser is fine but has to be properly fitted, though
on a diesel it is easy to by pass the fuel shut off solenoid and starter
circuits. Would you / they consider a tracker ? I have no idea re costs
- worth a thought though.
Gareth Jones '97 1-HDFT Newport S.Wales.
 
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Jeremy
I had similar hassle from Norwich Union Direct when I first tried to insure it, except that they said that they wanted a Cat 2 immobiliser - which is standard on my 1996 truck, but which their computer system claimed was not fitted.
I had to photocopy the handbook and also send them the appropriate lists from the Thatcham website before they would accept that their computer system was wrong. I've just had a look at the Thatcham listings (see page 27 on http://www.thatcham.org/resources/pdfs/compliance.pdf) which suggest that Toyota started fitting the EIS immobiliser from 1996 onwards, so you may be out of luck.
Does your handbook say anything about imobilisers and/or the magic words "EIS"? If it does then certainly NU Direct will insure you as is, otherwise you may have to shop around if you don't want to fit one. NFU could be a good bet.
Mine actually came with a "standard" cat 1 alarm and imobiliser fitted by Toyota in the UK. And yes, it has malfunctioned - it turned out because the horn unit in the engine compartment had 2" of water in it due to sloppy fitting. So I drained and fixed that & it still works fine.
Christopher Bell
Devon
1996 1HD-FT
 
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Jeremy
Like Gareth. I too am insured with More Than, and they did not insist on
having a Thatcham approved alarm/immobiliser. My previous company
(Priviledge) refused to even quote me on my LC without one fitted, and I was
informed I would need model number and proof of it being fitted.
I would suggest shopping around for insurance, and confused.com did a great
job doing that for me, in fact it saved me quite a lot of money.
Best wishes,
Debbie
1983 HJ60,
Merseyside
 
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Hi Jeremy,
That's an interesting one. I have gone with Direct Line and they at first
were insisting on one, but then got passed on to another lady who didn't even
bring it up.
I actually have the factory alarm and immobiliser and also believe I have
tracker installed (haven't yet found the box) however the existence of both
of these apparently wouldn't affect my premiums - I guess it might be an area
thing.
--
Regards,
Julian Voelcker
Mobile: 07971 540362
Cirencester, United Kingdom
1994 HDJ80, 2.5" OME Lift, ARB
 
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Jeremy,
Alarm compatibility is going to be the least of your worries if you
are going to modify your LC. Whoever you insure it with, make sure
they will accept your planned modification without slapping a three
digit premium on top.
Unless your insurer insist that the alarm/immo needs to be installed
by a certified fitter, it's best if you can install it yourself or
with the help of someone knowledgeable. When the alarm plays up, you
will get a hunch what might go wrong and at the same time you may
install a hidden bypass to disable the alarm/immo without compromising
security.
--
Rgds,
Roman (London, UK)
'92 HDJ80
 
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Hi Julian,
You guessed it! This industry is a bl00dy mess. Rule No 1 - never ever
stop after getting two or thee quotes - the next one may be 50% lower.
Rule No 2 - assume that whoever you speak to knows little about
insurance and even less about cars. Rule No 3 - get everyting
confirmed in print becuse tomorrow the person you spoke to will be
gone.
Also, if you plan to travel outside EU, like Morocco, never tell them
because they will try to invalidate your policy, even though you
already have a separate cover for that country from another insurer.
--
Rgds,
Roman (London, UK)
'92 HDJ80
On Thu, 02 Dec 2004 11:00:14 GMT, Julian Voelcker
<[Email address removed]> wrote:
 
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Thanks one and all. I'll let you know what happens.
I'd rather use a decent steering lock, maybe a full metal jacket on the pedals
and a neat immobilising device under the bonnet that could be bypassed if
anything goes wrong in the middle of nowhere. Cheaper too.
Jeremy
 
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Dear All,
I have been reading the list with interest for some weeks now but
this is my first post! I have a 1997 Prado with OME springs and
shocks, ARB winch bumper with 8000lb winch & Safari Snorkle.
This is my everyday car which is great for my job in the film
industry although there will be more mods over the coming months
ready for a north Africa trip towards the end of 2006. Unfortunately
it is the dreaded time of year for insurance renewal.
Just wondered if any of you declare you mods to your insurance
companies and if so how much difference did it make to your premiums?
I am currently with Norwich Union who have been competitive in the
past with business insurance rates.
Does anyone know any good specialist insurers?
Tim Maw
Location Manager
 
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Tim,
Most insurance companies are only interested in mods that
increase the performance. I was once asked if I had modified the
exhaust, that was all they wanted to know.
Get a quote using a false name and address declaring your mods,
see if there is a difference.
Regards, Clive.
 
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Morning Tim,
As Clive has pointed out they are mainly interested in performance
enhancements.
When I recently re-insured my 80 I found that very few insurance
companies were actually prepared to insure you when you had mods -
certainly none of the online sites were capable of handling it.
In the end I went with the NFU, they provided me with the best quote.
At the end of the day it is up to you what you do, but leagally you do
have to declare them. With more and more of this info being
computerised it will be easy to be caught out. Stating the obvious
certainly if you have an accident and don't declare the mods you
insurance will be invalid.
--
Regards,
Julian Voelcker
Mobile: 07971 540362
Cirencester, United Kingdom
1994 HDJ80, 2.5" OME Lift
 
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Tim
You are required to advise them of anything that could "materially
affect" their decision to cover you, or to decide how much to charge.
Otherwise they can walk away from their liability after an accident by
saying "that's not what we insured".
I think a modified bumper + winch would come into this category (more
expensive to repair, more likely to injure a pedestrian); whereas you
could easily argue that the snorkel did not.
It's a total coincidence, but this morning we discovered that my wife's
insurance company, Norwich Union, seems not to be paying up for a minor
prang she had in her (totally unmodified) Vauxhall Zafira last October.
The other insurers have written us a "more in sorrow than in anger"
letter saying that their next step is to take her to court. It's
clearly a delaying tactic on her insurer's part, and an escalation step
on the other side's, but it's still not pleasant to receive ... and
makes me realise how naked one would feel if the insurance company
pulled out.
I'd recommend NFU too: they understand 4x4s!
Christopher Bell
Devon, UK
1996 1HD-FT
| Dear All,
|
| I have been reading the list with interest for some weeks now
| but this is my first post! I have a 1997 Prado with OME
| springs and shocks, ARB winch bumper with 8000lb winch &
| Safari Snorkle.
|
| This is my everyday car which is great for my job in the film
| industry although there will be more mods over the coming
| months ready for a north Africa trip towards the end of 2006.
| Unfortunately it is the dreaded time of year for insurance renewal.
|
| Just wondered if any of you declare you mods to your
| insurance companies and if so how much difference did it make
| to your premiums?
| I am currently with Norwich Union who have been competitive
| in the past with business insurance rates.
|
| Does anyone know any good specialist insurers?
|
| Tim Maw
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-----Original Message-----
From: [Email address removed] [mailto:[Email address removed]]
On Behalf Of Christopher Bell
Sent: 31 December 2005 12:01
In my experience this is what they do when neither party will accept the
blame and has instructed their insurance companies not to do so. It's
often a scare tactic to make you give in to them. I had a similar
sounding letter after an incident I was involved in and after telling
them to go ahead and make my day I never heard from them again ...
Best regards,
Jon.
 
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Nightmare!!!!!!!!!!!!
Norwich Union, my insurer for the last four years has decided to
refuse me a policy because 'a landcruiser with raised suspension is
more likely to roll over and is therefore dangerous'. Yes, I am serious!
NFU wont insure me because I have a London postcode. I know I could
use my parents address etc......
Anyone got any ideas or broker recommendations.....otherwise I wont
be able to drive anywhere after the weekend!
Tim Maw
 
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Try AXA or try this broker in Ipswich. Adams Wilkinson, tel 01473 714 224. I
too have a London address...
On 3/1/06 14:57, "Tim Maw" <[Email address removed]> wrote:
Jeremy Llewellyn-Jones
Mob: 07831 458 793
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Under normal circumstances I would say NFU - but they've just turned me
down because of the lifted suspension and bigger tyres. I've been with
them for eight years and insure three vehicles + my home and contents
with them.
Not any more though!!!
Can anyone suggst a good insurance company?
Pete
Tim Maw wrote:
 
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Hi Peter,
I didn't have any problems with the suspension lift when I insured with
them a couple of months ago.
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Regards,
Julian Voelcker
Mobile: 07971 540362
Cirencester, United Kingdom
1994 HDJ80, 2.5" OME Lift
 
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Update
NFU have now informed me that they will insure me on production of a
written engineers report confirming the quality of the installation AND
confirming that the vehicle handles OK!!! I said OK so long as NFU pay
for the costs involved in getting the report. Needless to say they said
no so I said bye-bye!!
They have just lost ?1000 / year car insurance + ?800 / year property
insurance!!
I have been insured with them for the past eight years with no problems!
Pete
Julian Voelcker wrote:
>Hi Peter,
>
>
>
>>but they've just turned me
>>down because of the lifted suspension and bigger tyres.
>>
>>
>
>I didn't have any problems with the suspension lift when I insured with
>them a couple of months ago.
>--
>Regards,
>
>Julian Voelcker
>Mobile: 07971 540362
>Cirencester, United Kingdom
>1994 HDJ80, 2.5" OME Lift
>
>
>--
>European Land Cruiser Owners Mailing List
>Further Info: http://www.landcruisers.info/lists/
>
>
>
>
>
 
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It's bgining to sound as if the anti 4x4 brigade are getting at the
insurance companies.
Regards, Clive.
 
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I did a bit of Googling to see if I could come up with any safety based
evidence for the insurers' new attitude. No luck there, but I did turn
up the following insurer:
http://www.greenlightinsurance.com/off_roader_insurance.php
Who seems happy to quote for modified 4x4s
Christopher Bell
|
| It's bgining to sound as if the anti 4x4 brigade are getting
| at the insurance companies.
|
| Regards, Clive.
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