How many seats does a classic make ?

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johnty - 27 Oct 2004 15:06 GMT

Here's the scenario

I have a 79 III series 5 doors/12 seats, while its not in the plan i got an
insurance quote over the internet from firebond, with a view to insuring and
taxing it in its own right.

I didnt think the quote was too bad all things considered ?230 TPF&T (I do
realise people on here do get much better deals, but i was only looking for
a ball park figure)

Anyhow Firebond rang me the day after, suggesting that they could get the
price down by quite a bit, they said they could drop the quote quite
substantially if i could park it in a drive (unfortunately not going to
happen). However they said let us check the details and all was fine until
we came to seating "Oh its got 12 seats...in that case we can't insure it as
a classic"

So basically does anyone know how many seats it has to have to be considered
a classic, or does anyone know of 12 seat friendly insurers ?

Or should i reclassify the rear bench seats as short beds ?

johnty

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Alun P - 27 Oct 2004 15:57 GMT

Convert it into an ambulance and get into 'Red Ken's' congestion area for
free !!!!!!

AlunP

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Mr.Nice. - 27 Oct 2004 16:12 GMT

Twas Wed, 27 Oct 2004 15:06:41 +0100 when "johnty"
<kaptin_k@NOSPAMbtinternet.com> put finger to keyboard producing:

>Here's the scenario
>
[quoted text clipped - 19 lines]
>
>johnty

I'd guess that 12 seats makes it commercial, fit a cubby box and it's
got 11 seats. just a thought.

My insurance broker insists I must have modified mine as there is no
such thing as a land rover county station wagon (or station wagon for
that matter) in 1984. typical blindness, when I pointed to it outside,
'yet there is, look' eeeeejit.

Regards.
Mark.(AKA, Mr.Nice.)

Signature

_________________________________________
www.markvarleyphoto.co.uk
1984 110 CSW 2.5(na)D
(3,000 rivets flying in close formation)
_________________________________________

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Larry - 27 Oct 2004 21:04 GMT

Mine had 12 seats, that was the way they were built, either 10 or 12 and it
is insured as a Classic via Footman James, they never asked about the seats,
all they wanted was photographs to go with it.

The age guaranteed it as a classic, I don't think they are interested in the
interior after all Land Rovers came in so many varieties with so many
specials what I am doing with mine is not exceptional.

I paid ?126 on renewal this year, unlimited mileage, park anywhere.

Signature

Larry
Series 3 rust and holes

> Here's the scenario
>
[quoted text clipped - 19 lines]
>
> johnty

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Orack2000 - 28 Oct 2004 21:09 GMT

Mine seats 15 people legally, its a utility vehicle and don't forget
that, its not a mini bus, let them know. Oh and its not a sports either
( SUV ) check your log book. Think this way " YOU ARE DRIVING A ROAD
TRACTOR " ITS true and the insurance should reflect that. Try NFU.

> Mine had 12 seats, that was the way they were built, either 10 or 12 and it
> is insured as a Classic via Footman James, they never asked about the seats,
[quoted text clipped - 5 lines]
>
> I paid £126 on renewal this year, unlimited mileage, park anywhere.

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Austin Shackles - 28 Oct 2004 21:39 GMT

>Mine seats 15 people legally, its a utility vehicle and don't forget
>that, its not a mini bus, let them know. Oh and its not a sports either
>( SUV ) check your log book. Think this way " YOU ARE DRIVING A ROAD
>TRACTOR " ITS true and the insurance should reflect that. Try NFU.

motor car with more than 8 passengers is a minibus, in the legal wossname,
unless perhaps it comes under "dual purpose vehicle" by being 4x4.

for private use, it shouldn't make much difference, though.

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Dave White - 27 Oct 2004 21:05 GMT

> Anyhow Firebond rang me the day after, suggesting that they could get
> the price down by quite a bit, they said they could drop the quote
> quite substantially if i could park it in a drive (unfortunately not
> going to happen). However they said let us check the details and all
> was fine until we came to seating "Oh its got 12 seats...in that case
> we can't insure it as a classic"

No idea about the number of seats but....

Be careful insuring under a classic policy if you have or want to have
any no claims bonus. If you already have NCB and transfer your policy to
a classic policy you lose your NCB. You also don't earn any NCB while
insured as a classic.

I learnt this the hard way after transferring a policy with 4 years NCB
onto a classic policy and then transferring it 2 years later onto a
vehicle that couldn't be insured under a classic policy. I found that I
was no longer eligible for any NCB on the new policy. In effect I lost 6
years NCB to save 100 quid over two years.

Classic policies should only be entertained where you have no NCB
available and/or you intend to keep the vehicle forever.

cheers

Dave W.
http://www.yorkshireoffroadclub.net/

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Larry - 28 Oct 2004 21:51 GMT

Although my limo was originally insured as a classic I later changed that as
I needed business use, and I have inherited the no claims from the limo onto
my Land Rover classic policy.

Signature

Larry
Series 3 rust and holes

> No idea about the number of seats but....
>
[quoted text clipped - 16 lines]
> Dave W.
> http://www.yorkshireoffroadclub.net/

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