Insurance options for Toyota Landcruiser 2000 model seem very limited

At the bottom of the OAMPS email it says, 'formally TCIS'

Thanks for your suggestion though.

forgot to say that "This policy covers your vehicle for full on and off road, anywhere in Australia this includes river crossings, sand dunes, beaches etc. {there are no restrictions}. Good value.

Hi Kwk56pt, I hate 'market value' policies full stop. There is too much left in the insurers hands. They value the vehicle at what they think it is worth using their system and their way of doing it. I've already found that 'general insurers' will only value this vehicle for about 14950 as a stock vehicle and at the very top with all the inclusions for 16100.

I can't afford to take a 6k loss if the worst happens and I have an accident on the first day I have the car. I know insurance is a gamble but I'd much rather stack the odds in my favour with an agreed value than let the insurance companies take me for a ride with a 'market value' policy. They already make millions in profits, I don't need to add too much to that figure.

The craziest thing is that one of the 'general insurers' uses cars guide as their bench mark for obtaining values. I jumped onto cars guide and looked up my model and there are two pretty standard ones available for sale. Both with more Km's than mine. Both are priced above the 14950 mark which is the top end of the 'general insurers' price range. So even their 'cars guide estimate of the vehicle' system is not working!

So for someone that chooses a 'market value' policy and crashes the car after day one, or even within the first year say, they will never ever get their purchase price back. That's the way insurance companies work and that's the way unwary customers are treated. Everything is stacked in the insurance companies favour.

I'd love too, but the kids need the extra doors of a 4 door (everyone's sick of getting in and out the front doors) and a more comfortable back seat than the basic bench seat in the forwards facing rear seat. It's give me ten relatively trouble free years. It may still be staying with us yet, but definitely need the 105 series now.

OAMPS ended up being the one that could give me the agreed value and a reasonable price. I think it was the Adelaide office I dealt with. Parramatta could not offer anything half reasonable.

Glad you could get it sorted, and I've always dealt wit the Adelaide Office...

There is an underwriter for the insurer (Assetinsure) who is well into 4WD and has a good handle on it...

As an aside, I'm in Epping, just down the road...!

Cheers, Baz