Sorry to bang on about 2gether - but are you sure you tried their modified 4x4 dept? They have different divisions as it were. I've never heard of them refusing any vehicle especially based on flooding. I had three 80's insured with them at once. One of which wasn't even kept at my address. Clearly there is some trigger here. I had no no claims being a company car driver when I first insured with them and I'd had an 80 lost to fire.