been refused or just the quotes are too high?

Adrian Flux

A plan were best for my 6 seater T5.

Biggest issue you will find is that they virtually all consider them “commercial vehicles” so you need a commercial policy.
Hastings do the Traffic as an estate but ONLY if it is below 2l engine size 👿
Use on e of the van sites – there’s a new one vancompareuk.com that is specifically for vans and they say they will be cheaper.

Gladiator. No problem on a 6 seater transit.

Only mistake I made was to get 1 named driver, through anyone could drive it 3rd party on their own car insurance but that’s for other cars only. Wish I’d paid extra to get any driver over 30 insurance…

A lot depends on the van and insurer as a lor now realise that people with larger families use them or as some on here do as dog/bike movers so will do private vehicle policies.
Problem is you have to look for them on comparison sites.
Best tip I found was not to put the reg in and enter the vehicle details manually – that way you soon see if they cover your model.
Thats how I found out about the Trafic being classed as an estate but ONLY the 1.9 🙄
FYI – I’m 41, no claims and mine is the 2.5 tiptronic so had to go on a commercial at £380 FC

There is no such thing as a ‘van policy’ or ‘car policy’. Insurance is for a vehicle and a use. i.e. any vehicle can be insured for, social & domestic, commuting, work use. Or any combination of the three.

Is completely wrong. A ‘commercial’ policy is just the third option; work use. This applies for cars or vans. If you don’t use it for work you don’t have to have this.

I’ve privately owned vans for the last 8 years and never had so called ‘commercial’ insurance as I’ve never used them for work.

Oh and 750 sounds about right with one claim. Mines £400 on a Vivaro with 7 years no claims (insured for social/domestic & commuting).

my t5 caravelle 39 year old, 8 years no claims is £750 and it classed as a car.

It’s a Vito Traveliner and should be relatively simple to insure as such… Mine says “passenger car type approval” in the paperwork. I assume that it has more in common with say, an S Max or something than an LCV. Maybe just try and explain that. ??

Ok go to the van version of the comparison sites. It’s the same underwriting normally in the end of the day it’s all I insurance. Nit sure how people get so tied up in it. All my details were stored and just ‘re ran the 2 comparison sites.

I used to have full work no tools no sign written and nice racks for under 500.

Phil.w

I’m sure what you say is true in principal. But in my experience insurance companies are very wary of vans. however you claim to be using them. I would imagine they get stung all the time by people insuring for 1 use but then using it for something else

Insure as a horsebox, our Ducato is a 1/3 of your premium 😉

Commercial vehicle direct were the cheapest for my T5 kombi after trying lots of price comparison sites and most of the day on the phone. Still eyewateringly expensive compared to cars, for example had similar quotes for a 911!

My heart bleeds – 2011 Nissan Navara, 41 years old, 2 years NCB, one 50/50 accident 4 years ago, clean licence – commercial use.

£2000 in round figures