Toyota Landcruiser Owners Club

The Toyota Landcruiser Owners Club
Landcruiser Club - Dedicated to Toyota Landcruiser, Amazon, Colorado and Prado Owners
 
 FAQFAQ   SearchSearch   Watched TopicsWatched Topics   MemberlistMemberlist   UsergroupsUsergroups   RegisterRegister 
 ProfileProfile   Log in to check your personal messagesLog in to check your personal messages   Log inLog in 
TLOCUK HomeTLOCUK Home   TLOCUK ForumsTLOCUK Forums  TLOCUK FaceBook GroupTLOCUK FaceBook Group
Click here to link to the South African LandCruiser Owners Club websiteLCCSA  Click here to link to the Australian LandCruiser Owners OnLine website - possibly the longest established Land Cruiser club on the net!LCOOL  Click here to link to the IH8MUD website - run by extremely enthusiastic Land Cruiser owners, with a fantastic source of DIY information and useful forum!IH8MUD  Yellow Diamond ClubsYellow Diamond Clubs

SureTerm Direct Modified and Greenlaning cover included

Goto page 1, 2  Next
 
Post new topic   Reply to topic    The Toyota Landcruiser Owners Club Forum Index -> Landcruiser, Amazon, VX, Colorado and Prado insurers / insurance
View previous topic :: View next topic  
Author Message
ignat
***


Joined: 29 Nov 2008
Posts: 145
Location: Sutton, Surrey

PostPosted: Tue Nov 10, 2009 17:16    Post subject: SureTerm Direct Modified and Greenlaning cover included Reply with quote

Entered my details on Confused.com and got a quote from a company called SureTerm Direct for £350.     £100 excess.  

Considering I currently pay +-£700 and the cheapest renewal quote I've received so far is £650, this seems like a great price. (Average quote £1100)

Their website says they are a specialist insurer i.e for "Classic Car, Motorhome, RV, Kit Car, 4x4 vehicle, American Classic or Caravan. "

According to their site:
"Sureterm Direct specialises in all types of 4x4 insurance, from BMW X5, Mercedes ML, Porsche Cayenne and Range Rover to the old mud plugger Land Rover 88 and Land Rover 90, Defender, Discovery and Freelander models. Many of our customers come to us time and again to renew their Mitsubishi Shogun, Jeep, Nissan Navara, Isuzu Trooper and Toyota Landcruiser 4x4 car insurance. With expert knowledge of what our owners need, we can supply cheap 4x4 insurance quotes with immediate cover available.

4x4 Car Insurance Features

   * Repairs carried out where you choose
   * Free replacement 4x4 or equivalent size loan car during repairs
   * Agreed values
   * Drivers any age
   * Business use
   * Limited mileage discounts on 4x4 insurance policies
   * Salvage retention options
   * Spare parts cover included in 4x4 insurance
   * Static Rally, greenlaning and show cover
   * Free unlimited European cover
   * Breakdown Cover
   * Free liability cover to trailers and caravans (whilst attached to vehicle)
   * Modified 4x4? No problem
   * Outstanding 4x4 insurance rates for Great Britain and Northern Ireland residents"

Not settled on a policy yet but this looks promising.  Or too good to be true, we will see.
_________________
'97 Colorado 3.0 TD LWB
LML125 Scooter

Back to top
View user's profile Send personal message Visit poster's website
Google
Sponsor





PostPosted: Tue Nov 10, 2009 17:16    Post subject: Google Ads keep this community free to join!


Back to top
Crispin
*****


Joined: 09 Jun 2009
Posts: 685
Location: Welham Green, Hertfordshire, England

PostPosted: Tue Nov 10, 2009 17:47    Post subject: Reply with quote

That does seem good. I am currently paying about £700 for everything, only exception is competition / professional usage.

What does they mean by this though: Spare parts cover included in 4x4 insurance

Any parts replaced due to an accident / claim would be covered anyway so is this something else? Claim on damaged parts while greenlaning?
_________________
Cheers,
Crispin
Have Snorkel, Will Swim
Back to top
View user's profile Send personal message Visit poster's website
Brett
****


Joined: 16 Jan 2008
Posts: 354
Location: Norfolk (UK)

PostPosted: Tue Nov 10, 2009 18:22    Post subject: Reply with quote

I've used them a few times in the past for Land Rovers & never had any problems, always good to deal with, got the paperwork out quickly. I never had to make a claim whilst insured with Sureterm though, I guess their response to that is the ultimate measure of if they are any good.
_________________
Brett

20011 VDJ 200
1995 HDJ80 GS, 1HD-FT
Back to top
View user's profile Send personal message
Jimbo4x4
****


Joined: 27 Apr 2009
Posts: 447
Location: Wherever my wheels have taken me today

PostPosted: Tue Nov 10, 2009 18:36    Post subject: Reply with quote

I personally wouldn't touch them with someone else's barge pole. They came up cheapest for my old vw camper but when the certificate came through it didn't have any details of my 3 points on it. I remembered then that when I phoned for a quote the clerk hadn't asked me for licence endorsments or even claim details. I rang them worrying that my insurance might be invalid and was told not to worry and that they would send another certificate out. Fast forward 2 weeks (still no cert) and I get a letter from them accusing me of with-holding important info and that my cover was invalid, and that by using my camper I was breaking the law. I rang them again, explaining the situation several times as I got passed from pillar to post, finally getting the answer I wanted after about an hour on the phone, they were going to send me a new certificate with all details amended. Fast forward another 3 weeks (after phoning once to see where the bloody thing was) and I get a cover note through the door with one months cover, and a letter saying they weren't going to issue me with a certificate until they had sussed who was in the wrong. The cover note didn't provide me with a european green card which I had paid extra for. I was on repeated cover notes for 3 months before they finally provided me with a certificate... valid til 2 months short of my agreed cover Evil or Very Mad

I used their cover to go round Ireland with and cancelled the policy as soon as I got back, getting a £30 refund on a £270 policy which had lasted 5 months. I went straight over to NFU who my daily drive is insured with and got a years cover with green card for only a little more, and the service is second to none. There is none of the pillar to post experience you get with other companies, you get your own personal clerk who can deal with everything from quotes to claims to cancellation. I sold my camper earlier this year after 4 months cover with NFU and got well over half of what I originally paid refunded Wink
_________________



With great power comes great responsibility. That's why I have a 2.4!
Back to top
View user's profile Send personal message MSN Messenger
Landcrusher
Lifetime member
Lifetime member


Joined: 21 Oct 2005
Posts: 2689
Location: Chesterfield, East Midlands

PostPosted: Wed Nov 11, 2009 0:41    Post subject: Reply with quote

Tried Confused myself tonight after reading this. Rubbish quotes including one for over £3k and a massive excess. It did not bring up the insurer mentioned. However, registering with C dot com, I have already been inundated with e-mails and phone calls. How did I know that would happen. I am going to speak to A Flux tomorrow with a full list of mods. I'll post the results.

C
_________________
HDJ 80 but still a 90 owner at heart (yeah right!)
Back to top
View user's profile Send personal message
Landcrusher
Lifetime member
Lifetime member


Joined: 21 Oct 2005
Posts: 2689
Location: Chesterfield, East Midlands

PostPosted: Wed Nov 11, 2009 12:27    Post subject: Reply with quote

Just had a quote from Flux. I included every single mod right down to stickers. And they quoted me £390 fully comp, protected, £250 XS. With full recover to home for an additional £60. Which is cheaper than AA, RAC etc.
4000 mile pa limit, but free to extend that if I needed to. Covered non competitive off road and green laning.

That'll do for me.

C
_________________
HDJ 80 but still a 90 owner at heart (yeah right!)
Back to top
View user's profile Send personal message
bigyun
Lifetime member
Lifetime member


Joined: 05 Jul 2008
Posts: 277
Location: Gillingham, Dorset

PostPosted: Wed Nov 11, 2009 16:36    Post subject: Reply with quote

Landcrusher wrote:
Just had a quote from Flux. I included every single mod right down to stickers. And they quoted me £390 fully comp, protected, £250 XS. With full recover to home for an additional £60. Which is cheaper than AA, RAC etc.
4000 mile pa limit, but free to extend that if I needed to. Covered non competitive off road and green laning.

That'll do for me.

C


Yep I am with them too simaler price, the Mods you have are replaced like for like as well. Just one thing make sure you tell them every Mod you have at the time of making the call don,t wait for the paper work to do it as they will add a bit extra to the price.

Bigyun
_________________
98 Colorado, LWB, OME suspension 40 mm lift, Safari snorkel, ASFIR belly plates. TBR winch mount with Warn M8000 winch
Back to top
View user's profile Send personal message
ignat
***


Joined: 29 Nov 2008
Posts: 145
Location: Sutton, Surrey

PostPosted: Wed Nov 11, 2009 16:46    Post subject: Reply with quote

I've had a quote from Adrian Flux.   £600 TPFT.

One of the better quotes I've had, but nowhere near this SureTerm crowd. And they have now offered Comprehensive for £450.

Bizarrely, whenever I ask for quotes for Third Party Only, the figures sky-rocket.   £590 was the cheapest TP-only quote I could get.  Odd.
_________________
'97 Colorado 3.0 TD LWB
LML125 Scooter

Back to top
View user's profile Send personal message Visit poster's website
Landcrusher
Lifetime member
Lifetime member


Joined: 21 Oct 2005
Posts: 2689
Location: Chesterfield, East Midlands

PostPosted: Wed Nov 11, 2009 16:48    Post subject: Reply with quote

As I said, I even told them about the stickers!!!!!!! I couldn't have been clearer. I have a printed list of what I told them which I will forward at some point when I send payment etc.

I gave them a full list. Some bits that didn't have on their option box and had to type them in manually. Unfortunately, previous insurers are not giving me the credit for the NCD that I came to them with. Long story, but I have been reduced, effectively to 2 year's NCD. This has put Flux premium up by £70. But as I can't now protect that, there has been a reduction too. Still happy with the cost. Very helpful people indeed.

C
_________________
HDJ 80 but still a 90 owner at heart (yeah right!)
Back to top
View user's profile Send personal message
tlocuk
Site Admin


Joined: 29 Apr 2003
Posts: 283
Location: New Forest Border

PostPosted: Fri Nov 13, 2009 14:44    Post subject: Reply with quote

Remember!!!!

Greenlaning and Offroading are NOT the same thing ...

Green Lanes are PUBLIC HIGHWAY, so any normal insurance will cover you for that!

Off-roading goes OFF the public highway - most insurers will NOT give you inclusive insurance for off-roading, where the chances of any sort of accident / mis-hap / damage are pretty much expected.

Insurance is a gamble against the unexpected - not cover for the inevitible Wink

Simon Rolling Eyes
_________________
If you're not living life on the edge, you're taking up too much room!

Back to top
View user's profile Send personal message Send e-mail Visit poster's website
Crispin
*****


Joined: 09 Jun 2009
Posts: 685
Location: Welham Green, Hertfordshire, England

PostPosted: Fri Nov 13, 2009 15:41    Post subject: Reply with quote

tlocuk wrote:
Greenlaning and Offroading are NOT the same thing ...

Green Lanes are PUBLIC HIGHWAY, so any normal insurance will cover you for that!



You going to argue that one with the insurer at claim time? I had an argument with Elephant about it. They were adamant they will not insure the vehicle for that. They then canceled the insurance all together (Only had it for a day) stating I could have an accident while greenlanding and tow the vehicle back to a tarred road claiming a bush mud truck hit me.

I am glad I had the argument with them at that point and not when I had a claim. I am now insured with someone who accepts greenlaning and off roading and will pay (they say) whatever happens.

Sorry for rant but unless you have deep pockets, making that argument with an insurer when your beloved LC is a wreck, for the most of us, will be impossible or extremely drawn out.


/Rant
_________________
Cheers,
Crispin
Have Snorkel, Will Swim
Back to top
View user's profile Send personal message Visit poster's website
tlocuk
Site Admin


Joined: 29 Apr 2003
Posts: 283
Location: New Forest Border

PostPosted: Fri Nov 13, 2009 18:11    Post subject: Reply with quote

Crispin wrote:
tlocuk wrote:
Greenlaning and Offroading are NOT the same thing ...

Green Lanes are PUBLIC HIGHWAY, so any normal insurance will cover you for that!

You going to argue that one with the insurer at claim time?

Nope - there's no argument ...

Green Lanes (as defined on OS maps   - + - + - + - ) ARE public highway Wink

Like HERE <-- Click to view

Subject, of course, to local restrictions Wink

Tarmac / Concrete doesn't define a public highway Rolling Eyes

Simon thumbright
_________________
If you're not living life on the edge, you're taking up too much room!

Back to top
View user's profile Send personal message Send e-mail Visit poster's website
Crispin
*****


Joined: 09 Jun 2009
Posts: 685
Location: Welham Green, Hertfordshire, England

PostPosted: Fri Nov 13, 2009 19:55    Post subject: Reply with quote

I know that is the case, what I am saying though is it would / could be "fun" if an insurer decides otherwise gives you stick about it.
When it comes to insurers, I class them as bottom feeding scum but like plankton, they have their use.

Make sure they both you and them are clear on it - Easier that way.
_________________
Cheers,
Crispin
Have Snorkel, Will Swim
Back to top
View user's profile Send personal message Visit poster's website
Landcrusher
Lifetime member
Lifetime member


Joined: 21 Oct 2005
Posts: 2689
Location: Chesterfield, East Midlands

PostPosted: Fri Nov 13, 2009 21:42    Post subject: Reply with quote

Sorry, don't know who the advice was aimed at, but I'm not so dull as to confuse the two if it was for my benefit. My policy covers me for greenlaning  AND off roading. That is why I chose those words. I asked 'If I was in the middle of a woods and I snapped a drive shaft, would I be covered. Yes they said, but it might be helpful if you could tow it at least to the edge of a road to give us fighting chance of recovery. The insurers are advertising here on this forum as specialist its in 4x4s which is why I called them. They clearly understood the difference too.

Woods are not green lanes. I know the difference. Having spent 5 hours removing my diff and prop in a farmyard so that I could limp home in fwd only (because I didn't have cover), I am all to aware of the implications. It also covers specialised 4x4 off road (or green lane!!) equipment such as bash plates, winches etc.

But my current non specialist insurers did say that if I was on land, but off road, that I had lawful permission to be on and I had an accident either by tipping into a ditch or a collision with someone else, I would be covered as long as it was not competitive motor sport. Whether off roading OR at a village fete in a field, I was covered. But then any mods to the vehicle like winches, body lift etc would not be covered and the insurance would be void. But for a showroom shiny, it would definitely be valid.

C
_________________
HDJ 80 but still a 90 owner at heart (yeah right!)
Back to top
View user's profile Send personal message
tlocuk
Site Admin


Joined: 29 Apr 2003
Posts: 283
Location: New Forest Border

PostPosted: Fri Nov 13, 2009 23:27    Post subject: Reply with quote

Landcrusher wrote:
... My policy covers me for greenlaning  AND off roading. That is why I wrote those words. I asked 'If I was in the middle of a woods and I snapped a drive shaft, would I be covered. Yes they said, but it might be helpful if you could tow it at least to the edge of a road to give us fighting chance of recovery.

But that's not insurance - that's 'recovery'

I don't believe ANY standard motor insurance covers you for 'wear and tear' Rolling Eyes  Bits of the vehicle breaking would be covered by an additional warranty - and even that would have 101 get-out clauses Rolling Eyes

Landcrusher wrote:
... my current non specialist insurers did say that if I was on land, but off road, that I had lawful permission to be on and I had an accident either by tipping into a ditch or a collision with someone else, I would be covered as long as it was not competitive motor sport. Whether off roading OR at a village fete in a field, I was covered. But then any mods to the vehicle like winches, body lift etc would not be covered and the insurance would be void. But for a showroom shiny, it would definitely be valid.

C

Double check exactly what you would be covered for.

Frankly, I'll be amazed if their 'standard' policy would cover a replacement vehicle if (say) you rolled yours (to destruction) while off-roading ...

Further, what liabilty insurance would be included Rolling Eyes

Still - I don't have the paperwork ... you may just have the policy from Utopia!

Simon dontknow
_________________
If you're not living life on the edge, you're taking up too much room!

Back to top
View user's profile Send personal message Send e-mail Visit poster's website
Display posts from previous:   
Post new topic   Reply to topic    The Toyota Landcruiser Owners Club Forum Index -> Landcruiser, Amazon, VX, Colorado and Prado insurers / insurance All times are GMT + 1 Hour
Goto page 1, 2  Next
Page 1 of 2

 
Jump to:  
You cannot post new topics in this forum
You cannot reply to topics in this forum
You cannot edit your posts in this forum
You cannot delete your posts in this forum
You cannot vote in polls in this forum


All contents © Hobson's Choice IT Solutions Ltd 1997 on
Powered by phpBB © 2001, 2005 phpBB Group