Evening all,
The missus is on the lookout for her next motor and has taken a liking to a nice big pick up. We're looking at a Mitsu L200, double cab and probably in 'Animal' spec, or failing that possibly a Navara. Main stumbling block is the insurance, bearing in mind that these are technically commercial vehicles rather than private cars. There are plenty of these beasties knocking around and a fair few of them seem to be immaculate and clearly not working hard for a living, so I'm hoping we might have a few members here who can recommend insurers who offer sensible rates for private use?
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Try Co OP, Direct Line and NFU
If there are any magazines relevant to pick ups look in them for adverts for brokers/insurers
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As your first stop, have you tried the usual comparison routes?
Bear in mind Aviva and Direct Line and one or two others aren't on comparison sites.
BTW: I believe that HMRC regard these type of vehicles as private cars these days as so many business users were running them as "vans" in the past. Don't know about insurance companies though.
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When I bought my first Isuzu Rodeo about 7.5 years ago, I had to go through a broker as I was struggling to get insurance (partly as it was a second vehicle) but for the last few years I have managed to get great cover via LV......
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NFU no longer allow pick ups to be insured as private, they go under a commercial vehicle policy, which isn't cheap and doesn't allow the policy holder to drive other vehicles under TPFT.
Not cheap (cheaper rural) but NFU insurance is very good.
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I have managed to get great cover via LV......
Likewise and to the OP do yourself another favour ...forget about Navaras and the Mitsi, pay the extra and buy a Hilux !
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Likewise and to the OP do yourself another favour ...forget about Navaras and the Mitsi, pay the extra and buy a Hilux !
Agreed, or Isuzu or Ford Ranger, definetly go for the Isuzuif you want to tow anything heavy, the Hilux has a real low towing capacity, around 2T IIRC
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The great wall steed is highly under-rated.
A really good workhorse using proven tech.
Worth consideration.
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Agreed, or Isuzu or Ford Ranger, definetly go for the Isuzuif you want to tow anything heavy, the Hilux has a real low towing capacity, around 2T IIRC
HiLux was 2250kg towing capacity, has been upgraded to 2500kg.
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Hmm, anti gravity trailers all the rage now?, i've seen Hilux's towing serious digger plant about on already heavy Ifor Williams low loaders, no way were they under 3 or possibly 4 tons trailer and load.
Never worked out how they managed to make the official towing limit so low on the Mk6/7, probably so not to steal any more sales from Landcruiser.
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Hmm, anti gravity trailers all the rage now?, i've seen Hilux's towing serious digger plant about on already heavy Ifor Williams low loaders, no way were they under 3 or possibly 4 tons trailer and load.
Never worked out how they managed to make the official towing limit so low on the Mk6/7, probably so not to steal any more sales from Landcruiser.
Ha yes theres more than a grain of truth in that, hilux towing weights have always erred on the side of caution.
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Ha yes theres more than a grain of truth in that, hilux towing weights have always erred on the side of caution.
How does anyone find that out without overloading a HiLux and thus breaking the law? Towing weights aren't a legal absolute - but Gross Train Weight is - and so is the 3500kg outfit limit without a tachograph if it's for commercial purposes.
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