Insurance - refusal

[Genocache]

YOU need Insurance.

I'll take umbrage with that!

I've been driving since 1973, I have never caused an accident, never had a ticket in a car. My ins has never had to pay out because of ME. It has only been the couple of dufuss people who hit me who's ins has paid out. So in closing I only need uninsured motorist ins, or better yet let me save MY money and pay out any claims.
   My 109 is my only car, I do have a motorbike, and that is where I got my 1 ticket.

[Betsy1969]

I was refused insurance by NFU with no reason given , I don't have any bad history and had no problem getting quotes from several other companies so I don't understand why.You would think that NFU would be the last people to refuse insurance on what is basically a farm vehicle. And two of the three previous owners from new were farmers !

[Phil2014]

I was refused insurance by NFU with no reason given , I don't have any bad history and had no problem getting quotes from several other companies so I don't understand why.You would think that NFU would be the last people to refuse insurance on what is basically a farm vehicle. And two of the three previous owners from new were farmers !

I don't know where you live, but I've heard people say that the NFU don't insure people in urban areas, how true that is I don't know, my business insurance is with NFU, but I'm in a rural area.
Phil.

[Alan Drover]

I've got home insurance with them.

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[Craig T]

Only been refused once and that was on my IIA and what stopped the quotation process dead in its tracks was the question, how many seats does it have.
Being a station wagon I said, 10 including the driver. The reply to that was sorry sir, can't insure that on a classic policy. I can't remember what company that was with now unfortunately.

Craig.

[cswagon]

I'm in a similar position Craig except that mines a 12 seater, but when I shopped around this last time I was asked "how many of those
seats have seat belts?" and I presume that is what they based it on.
I only have belts on 4 forward facing ones.
None of them actually refused to offer me cover though.

Graham.

[Exile]

I've just insured my IIA, 10 seat Station Wagon.

I said I was happy to be limited to carrying up to five persons, but the insurer insisted on insuring on the number of seats.

Just two front seatbelts fitted.

£112 with Flux.

I  don't know if this is a good price for a ten-seater, but I hope so as I have several LR's with them.

[cswagon]

How very strange.
I'm with Adrian Flux as well and they were one of the companies who asked how many seats
had belts.
5000 miles,etc. £93 odd which was £5 less than the 109 hardtop was last year.

[Wittsend]

A few years ago there was a series of high profile minibus accidents with a lot of passengers wiped out.

One upshot was that they introduced a minibus driving test for vehicles with more than 8 seats IIRC.

Unfortunately Land Rover LWB SW got caught up in this.

And - you can not safely fit seat belts to side (inward) facing seats - they cause more injuries than they are supposed to prevent.
The fitting and wearing of rear seat belt laws do not retrospectively apply to Series 2 Land Rovers.


So, I can understand the questions being asked by insurers in this matter.

[Betsy1969]

I was refused insurance by NFU with no reason given , I don't have any bad history and had no problem getting quotes from several other companies so I don't understand why.You would think that NFU would be the last people to refuse insurance on what is basically a farm vehicle. And two of the three previous owners from new were farmers !

I don't know where you live, but I've heard people say that the NFU don't insure people in urban areas, how true that is I don't know, my business insurance is with NFU, but I'm in a rural area.
Phil.

I live in Rotherham so probably classed as urban although I can be in rural in about 10 mins. It would be interesting to see where the demarcation line is.

[Betsy1969]

Maybe NFU should make it a bit clearer in their adverts

[Craig T]

My ten seat wagon is now with Adrian Flux and cost about the same as yours Exile, £118.15

Craig.

[Theshed]

A few years ago there was a series of high profile minibus accidents with a lot of passengers wiped out.

One upshot was that they introduced a minibus driving test for vehicles with more than 8 seats IIRC.

Unfortunately Land Rover LWB SW got caught up in this.

And - you can not safely fit seat belts to side (inward) facing seats - they cause more injuries than they are supposed to prevent.
The fitting and wearing of rear seat belt laws do not retrospectively apply to Series 2 Land Rovers.


So, I can understand the questions being asked by insurers in this matter.

Does the 8 seat Law cover private use do you know ? I know years back some companies had full size busses for transporting workers. The Driver did not require PSV Licence as it was not for 'hire or reward'.   
When I was Driving coaches I wanted to hire a 12 seater for a family trip. A local Charity hired out theirs's over the weekend. £80 was quite reasonable.
But I would have to take their 'Diamond Mini Bus Driver Test'. But I drive Seventy seat Coaches ! You still need to take our test ? 

[Wittsend]

Probably ... I don't know if there are "grandfather" rights (like for towing caravans) and the minibus test is just for new drivers.

No, it can't be. I don't think private use is an exemption.
Driving a classic vehicle will/should have an exemption.
I believe you can drive a classic bus, but with no more than 6 non-paying passengers

Family cars and the like are restricted to 7 seats (inc driver) so in a SWB, 3 in the front and 4 in the back is no problem.
(Providing everyone is sitting on a proper fixed seat.)

The accidents I referred to involved teachers driving school minibuses and sports clubs carrying teams.

I don't know what the situation is as I stopped driving minibuses years ago.
You'd have to ask someone in authority for the definitive answer.

When I 1st started work I had to take the "minibus" test. We had a spanking new departmental LWB SW, a 12 seater. The "test" involved driving round Leeds to the tester's mums, do some shopping for her and back to the university. Quite an easy test and a cup of tea to boot 
I "passed" as was soon driving students round the Lake District on field trips.