Surf pros & cons

I am in the market to buy a 4x4 and have noticed that the Toyota Surf appears good value for money compared to other 4x4. Could someone please tell me the pros and cons for these cars. I know that to insure them is some what a problem but being in the insurance industry I know of a insurer that will insure them at a reasonable price. However when it come down to the mechancial side of things I am some what of a novace.