those of you with vans .
interestingly just been looking for insurance and found this
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 ?Posted 4 years agoCreakySubscriber
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.Posted 4 years agomick_rSubscriber
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).Posted 4 years agoorangeboyMember
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 backPosted 4 years agoluketSubscriber
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 …Posted 4 years ago
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 .Posted 4 years agoorangeboyMember
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 pricesPosted 4 years ago
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
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