Pajero 4x4

I’ve had several emails from people asking me who I got Pajero insurance from. Well, there’s a quick and easy answer obviously but I thought it would be good to discuss the options and the peculiar nature of insuring a Pajero.

So what do you do when you’re first considering buying a model of car that you’ve not had before and you’re not sure of the insurance costs? A sensible person gets a few quotes first to see how much the insurance will be before looking for the car to buy. I’ve never been especially sensible so I usually buy the car first and worry about the insurance after, which is exactly what I did with the Pajero.

However, I did have a rough idea and I knew it wasn’t as easy getting insured for a Pajero as it is for most cars. This is because it’s an import from Japan originally and for some reason most insurance companies don’t want to know. [Any ideas why anyone? Please use the comments box below to let me know]

I’d say that since around 1997 I’ve been buying my insurance through the web. In the early days that would mean trawling around loads of sites and going through the quote process. Pretty painless but it could take a few hours, although it was worth it for the savings. Then a couple of years back I found sites like moneysupermarket would search through lots of companies in one go for you making things even easier.

So I tried this first when I bought the Pajero only to find that the online quotation process didn’t quite work for me when I tried to let them know my car’s model details. I tried a few sites and each time I could actually select a Pajero as the model the engine size would be wrong or I couldn’t select 3 doors, or I couldn’t select automatic – or something along those lines. Pretty soon I realised these sites just weren’t geared up for Pajeros and presumably weren’t interested.

Obviously I could have just phoned up the big companies but from what I was reading elsewhere you’re better off going to insurers who specialise in imported vehicles. There are plenty of these about but the two that kept cropping up most were Adrian Flux and 2Gether Insurance. Google them to find out more.

At the time of insuring neither companies would give a real-time online quote so it meant picking up the phone. No big deal, but I’d gotten used to doing it all online and not have to have the sales talk pushed on me over the phone. To be fair neither were too pushy.

In the end 2Gether Insurance were the cheapest for me at about the £500 mark (fully comprehensive). Not that cheap but I was happy enough as I had no no-claims due to sharing a car with my wife previously and all the no-claims having being built up in her name. I’ll be hoping for a reasonable drop next year with some no-claims behind me (hopefully!). I have no convictions and I’m currently 37 years old – for reference.

I will also do my homework a bit more next year. I was a little rushed this time having bought the car before thinking of insurance. Finally getting quotes from only two companies really isn’t the best way to do things although both were highly recommended for a Pajero.

Anyway, let me know who you insure your Pajero with and how much it cost by using the comments box below. If I get plenty of feedback we should all be able to pick up some tips.

Update:

I wanted to update this topic as I’ve had quite a bit of feedback from various sources recommending the companies below. I’ve only included companies who have been recommended to me by at least two people. I can also say that the first two in the list have good reports from people who’ve actually needed to claim on the insurance – always good to know.

• 2Gether Insurance (my current insurer)
• Adrian Flux
• Liverpool Victoria
• Tesco Car Insurance

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