those of you with vans .

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  • those of you with vans .
  • trail_rat
    Member

    interestingly just been looking for insurance and found this

    http://www.gocompare.com/van-insurance/business-or-private/

    Even if you don’t actually use your van for business purposes – if, for example, you’re a teacher but use a van to go about your daily life, including driving to work – you’re going to have to get a business policy.

    “This is where van insurance differs from car insurance. While car coverage offers a social, domestic, pleasure and commuting option, there is no such policy for van owners.

    Even if your van use is largely social, if you drive to one place of work you will need to add the carriage of own goods classification, which makes it a business policy. “

    this has never been an issue in the past when i have phoned up they have always stuck me onto a social policy – despite me driving to work twice a week …. Strangely when you do go “caridge of own goods” it wants a business name / radius of work and date of business established …. to me go compare must be wrong on that one surely ? anyone else fallen fowl of this ?

    fwiw it adds about 20 quid to the policy – but im still a little dubious that its the right policy for me to be taking – especially if i say to them i work in a 20 mile radius – then drive to the alps for holidays ?

    Premier Icon tomd
    Subscriber

    I’ve had a van for a few years and always have got a policy that covers commuting to a fixed work place and leisure use. Currently with direct line.

    Premier Icon mikewsmith
    Subscriber

    always ticked the business use box as it makes life simpler the one time you drive somewhere and claim for it. The price was never really a difference.

    Though I would assume it’s different for some insurers.

    trail_rat
    Member

    thats fine mike – but the whole business radius thing is getting my radar up in the “what if i have an incident when driving to france”

    Premier Icon Creaky
    Subscriber

    I did have a van for a while and one reason I sold it was the difficulty in getting insurance. Commercial vehicle insurers didn’t want to cover it because I was only using it privately. Car insurers wouldn’t cover it because it was a commercial vehicle. Camper van insurers wouldn’t cover it because it didn’t have enough useless furniture inside it.

    Premier Icon mikewsmith
    Subscriber

    try one of the other comparison sites, it may only be one insurer that is asking for that. Or find the best price then go direct to them and call if needed.

    trail_rat
    Member

    ill call them when i get back to the uk but i was just looking round on comparisons just now – especially need to call as we have a claim outstanding thanks to admiral being a useless bunch of chunts that im fighting back with at the moment.

    Premier Icon oxym0r0n
    Subscriber

    Brentacre here – private vehicle with commuting to place of work

    hammyuk
    Member

    A lot depends on the engine too
    Trafic Crew – 1.9 = estate car
    Trafic Crew – 2.5 = commercial policy

    Premier Icon kilo
    Subscriber

    aviva for my combo van, commuting to place of work and on social policy, in fact on joint policy with our car. they were also cheaper than anyone on go compare when I looked

    Premier Icon Phil_H
    Subscriber

    My van’s insured for social, domestic & commuting through Adrian Flux.

    Premier Icon mick_r
    Subscriber

    Combi van here (not quite the same as it is MPV on the reg doc so not car derived van / lcv / panel van etc).

    Direct Line happily insure it as a car, and that included business use – the only proviso was that my job wasn’t classed as being a driver (i.e. ok to occasionally carry stuff and people in connection with work but not in a role where it was making regular deliveries etc). Maybe worth giving them a ring?

    After many years with CIS had an almighty battle of letters which ended in £100 to please just bog off and leave them alone. They’d recognise Peugeot Expert Combi as a car but not Citroen Dispatch Combi – identical spec vehicle apart from badges, same production line and even the same homologation / type approval (as an M1 passenger carrying CAR).

    Premier Icon jeff
    Subscriber

    +1 for aviva – van on a car personal car policy. Nice and simple. Have had to go through a claim too.

    Have been with flux and brentacre in the past, not so keen on insuring with the “makerstudy” policy they were selling.

    nealglover
    Member

    Not sure the info in the first link is accurate.

    One of mine is insured on a business policy (because it used for business)

    The other is insured on a private policy and it includes commuting (just checked)

    Mugboo
    Member

    Mines on a campervan policy with Brentacre that allows me slowly convert it. Most important thing I’ve found is that as a commercial vehicle I can only drive my own van, no third party only cover on other peoples cars.

    Premier Icon oxym0r0n
    Subscriber

    That is the downside Mugboo

    olddog
    Member

    Dial direct explicitly covers social domestic pleasure and commuting as long as no business use on the commute.

    I did have an odd conversation with them about whether commuting was covered when I renewed kn the lines of OP, but it’s clear on the policy certificate

    orangeboy
    Member

    Direct line were fine with me Useing my old master lh35. ( that a long hight 3.5 tonne van)as my daily car.
    Did it over the phone and all good , comute to work plus normal social use just nothing that would earn me a reward

    Was not cheap but no worse than my defender is
    Just rather annoyingly I’ve been looking for a hot jack as don’t need the 110 anymore and a golf gti 2.0t 200 bhp is half the cost to insure

    Private van policy did not give much cove for stuff being stolen out of the back

    Premier Icon scotroutes
    Subscriber

    NFU here – SDP&C. What is a

    carriage of own goods classification

    ?

    Premier Icon luket
    Subscriber

    A van for personal use might be a step too far for the comparison sites. Hardly any of the car insurers do vans and personal use is not what van insurers are aimed at.

    We insured ours with specialist van insurers for years, some of whom can do non commercial use (as above, including commuting not an issue). However we also recently ended up with Aviva, partly because they were good value, especially insuring 3 vehicles, but also because with a “normal” car insurer you can make policy changes for free and they have decent call centres and online stuff so dealing with them is just much easier. Most years I find a reason to add a driver or 2 and £50 admin fees soon kill any “discount” you started with.

    Never claimed though – so no recommendation on that experience …

    trail_rat
    Member

    basically if you are moving your own tools/merchandise around – thats carridge of own goods – beyond that your moving someone elses goods around and it becomes haulage for hire or reward.

    strange orange boy – i can insure my 90 for peanuts – about 1/3rd that of the van. – but then its reached classic status .

    orangeboy
    Member

    110 td5. Been a bit of a theft issue with fenders round here this last year or so
    But if I’m honest I wish some one would take it. It’s been nothing but a pain in the ass
    I miss my old 2a it just always worked
    10 years I had it and never needed the rac man

    Td5 3 times in as many months
    If any one wants a landrover that Somtimes starts
    Somtimes not let me know

    Renault master was£450
    Rover 110 £500
    Quote for 200 bhp golf was from 260

    What may explain the prices
    We have had plod recover 2 90s and 3 Subaru foresters
    From the car park behind us over the last year all suspected with being used for lamping and the like

    wolfenstein
    Member

    This is very interesting.. Have to bookmark this for future references..planning to swap my car to a van this sept hopefully…add more info to this thread please.

    PrinceJohn
    Member

    another +1 for aviva, we’ve even got it on a mulitcar policy.

    & have had to make a claim with no issues.

    bikebouy
    Member

    Never had a problem here and I’ve used a small van for SD&P only for years… BudgetInsurance here ATM but previously with Direct Line..

    Premier Icon 19ninety
    Subscriber

    I came here expecting shoes 😕

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