Who do insure with?

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Who do insure with?

Post by elfin girl on Sat Oct 27, 2012 2:48 pm

My insurance is due in December and just wondered if anyone else finds this a hastle, if I go through a normal company then it comes up as an MVP, I tell them it's a panel van and they get snotty with me and say " well we are directly linked with dvla so we know it's an mpv" it's never Been an mpv the documents say its a panel van, I have ended up having to get it insured as a commercial vehicle even tho it's plg on the documents, and they now won't insure me to drive other vehicles saying "on a commercial policy you don't get that extra" it seems a bit crap to me I'm sure it's not right
My concern is if my insurance says mpv then if there is a crash will there be a problem if my documents say panel van but or if my insurance says its commercial and my documents say its plg ? I'm not very lucky when it comes to crashes (been in a vehicle for about 14 so far, 4 while i was driving only one being 50% my fault as yet tho!)
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Re: Who do insure with?

Post by Logi on Sat Oct 27, 2012 5:02 pm

Mine's insured as part of an Admiral multicar policy, not insured as a commercial as its private use, never had a problem.
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Re: Who do insure with?

Post by PFM on Sat Oct 27, 2012 5:28 pm

Mine are both used for work, and have commercial insurance with Aviva. I've never had them wrongly noted as MPV's, and am insured to drive other vehicles through the policy on my car, so that's never been an issue.

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Re: Who do insure with?

Post by toastiee on Sat Oct 27, 2012 8:16 pm

Mines insured as a home brew camper , few bits chucked in to make git the bill and I don't use it for work so it's all good , £115 a year Smile
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Re: Who do insure with?

Post by elfin girl on Sat Oct 27, 2012 9:57 pm

Home brew camper?????????
Toastie please explain!!!!
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Re: Who do insure with?

Post by 8bit-ash on Sun Oct 28, 2012 8:55 am

toastiee wrote:Mines insured as a home brew camper , few bits chucked in to make git the bill and I don't use it for work so it's all good , £115 a year Smile

Yeah who's that with for £115? for a DIY camper I thought you had to fulfill specific spec - windows, sink etc.

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Re: Who do insure with?

Post by toastiee on Sun Oct 28, 2012 11:54 am

adrein flux , i asked clearly what it needed and it was seats , cooker , bed , running water (witch they said a bottle of water will do) that was it basicly , iv got a table with most of it in and a basic bed/seat . there mite of been a couple more things , they were ok that it didn't have window in the side as long as it had a back window .

hope that helps , cheers t
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Re: Who do insure with?

Post by HighlyJetted on Sun Oct 28, 2012 12:17 pm

I pay £280 through budgetvan as a light commercial vehicle, but strictly for private use. My v5c is registered as a panel van.

As with a typical commercial policy I don't get stuff like 3rd party on other vehicles etc
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Re: Who do insure with?

Post by toastiee on Sun Oct 28, 2012 12:26 pm

iv got "driving other cars " witch is helpful
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Re: Who do insure with?

Post by elfin girl on Sun Oct 28, 2012 1:25 pm

Hmm, think I'll investigate the camper route see what quotes I get, also have a friend of a friend with a van he uses for work, apparently he gets 3rd party on other vehicles, I've yet to find out if this is correct
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Re: Who do insure with?

Post by rich the mechanic on Sun Oct 28, 2012 4:57 pm

ours is with Admiral but on a commercial/private use MPV with part work part private use PLG is private light goods a short wheel base single axle transit is in this class as well it may be worth having a hunt through the DVLA website to see if you an run a check and if it comes up wrong see how to get it changed.

Although it isn't unusual for the insurers to get it wrong I had a Polo CX and it took me ages to convince the insurers it even existed as the CX was a CL in dealer specified trim.
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Re: Who do insure with?

Post by elfin girl on Sun Oct 28, 2012 8:04 pm

I't must be the insurers getting it wrong as the dvla sent me registration docs and it is clearly a panel van on them, it always has been just don't know how to get the insurers to insure it correctly Rolling Eyes
Rich do you have driving other vehicles on your ins? That's my main problem here, I could have taken the van to get fixed at a garage I know is good and gives a van to drive while they are fixing it, but I would need my insurance to cover me, also been stuck in emergency situs a couple of times where I've needed to drive other cars,
One of the ins company's I phoned had the cheek to ask me why I want a van for private use saying "i dont understand why you would have a van and not a car, well it is unusual, are sure your not using it for business?" bloody cheek
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Re: Who do insure with?

Post by rich the mechanic on Sun Oct 28, 2012 8:56 pm

No i don't have other car use as I have an other car that is on a seperate policy so didn't need it
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Re: Who do insure with?

Post by redneck on Mon Oct 29, 2012 12:37 am

I use NFU for my Hijet, car & motorcycle, Very fair rates on all 3, plus you can pay monthly,
and the only extra interest that they charge is about a fiver-for the year, not monthly or
weekly. They are very efficient if you have a prang & sort things out quickly.
I've had quotes off all the internet cowboys & none of 'em have ever beaten NFU!
Tel No. is 01606 737400
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Re: Who do insure with?

Post by elfin girl on Mon Oct 29, 2012 2:33 am

Cheers redneck, just had a look at the website and they sound pretty good, got a branch local too, I'll try and ring them tommorow and quiz them on van and camper conversions!
Gonna try adrian flux too for comparison
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Re: Who do insure with?

Post by elfin girl on Mon Oct 29, 2012 6:04 pm

wow is that the time? forgot to phone insurance companys, got carried away making jewellery, a copper chain bracelet for a friend and a new silver ring for me, if i get my makers mark registered this year maybe ill be able to sell some then i wont have to wory about the cost of keeping this van running, i could pay somebody to respray properly it how i want it (although my mum used to spray cars, maybe i should ask her!)
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 4:34 pm

grrr, just been quoted £355 plus £85 for breakdown to insure as a camper fully comp, this does not cover me to drive other vehicles.... thats bloody ridiculous, i think its discrimination to say you cant get cover to drive other vehicles if its a van or camper AND we are going to charge you more for the privilage of that Evil or Very Mad

if this is the type of quote ive got to look forward to then ill have no choice but to get rid of the van
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 4:57 pm

toastiee wrote:iv got "driving other cars " witch is helpful

how did you get driving other cars?,
they told me that camper/motorhome and van insurance wont cover that in any circumstance by anyone!
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Re: Who do insure with?

Post by Logi on Tue Nov 13, 2012 5:15 pm

Try getting a quote for car insurance, mine's on a car policy
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 5:34 pm

mm, yeah, then they label it as an mpv.. which it isnt.. which i think will invalidate the insurance?! .. however, looking at the dvla website they do say they list body type on the basis of the external look of the vehicle, so if i put some sliding doors on with widows im thinking that may be enough to chage it to an mpv?!
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Re: Who do insure with?

Post by HighlyJetted on Tue Nov 13, 2012 5:48 pm

daisydon wrote:grrr, just been quoted £355 plus £85 for breakdown to insure as a camper fully comp, this does not cover me to drive other vehicles.... thats bloody ridiculous, i think its discrimination to say you cant get cover to drive other vehicles if its a van or camper AND we are going to charge you more for the privilage of that Evil or Very Mad

if this is the type of quote ive got to look forward to then ill have no choice but to get rid of the van

At 40 years old being a woman,I'd expect to be paying half that.

Just go on comparethemarket.com

You should get a quote of £220 at the most.

On the whole insurance companies don't like DIY camper conversions as they are a bit of a liability for catching fire and ending up on their roof due to weight issues.
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 5:57 pm

arrrrrrrrr, compare the market thinks its a pick up.... HOW??????
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Re: Who do insure with?

Post by HighlyJetted on Tue Nov 13, 2012 5:59 pm

When you put the details in the form I thought you could correct any irregularities.
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 6:11 pm

Embarassed yep, found that after i had a rant!!!
looks like im gonna have to go van insurance again and not be covered third party for other vehicles, you wouldnt belive how many times ive been needed to drive sombody elses car this last few years and not been able to!
cheepest on a quick glance £200 plus £45 for breakdown

*not forgetting the meerkat toy if buy through them Rolling Eyes
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Re: Who do insure with?

Post by HighlyJetted on Tue Nov 13, 2012 6:14 pm

AA will cover you for £30 as a new customer

http://www.theaa.com/breakdown-cover/uk-breakdown/view-options.do
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 6:19 pm

cool i will check out other breakdown
haha, just lowered my exces by £50 and the quote came back as the same price!

hmm, and for another £50 less (ie no voluntary excess) its £7 more, not bad i suppose!
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Re: Who do insure with?

Post by HighlyJetted on Tue Nov 13, 2012 6:28 pm

I'm on £500 excess as it's only to be paid under the fully comp sort of claim. If I crash my van I will either be my own fault into a hedge or a field one night driving like a fool, or someone else will crash into me. If they hit me they are paying from their insurance, while if I crash my own van into a tree one night I'll just scrap it and not claim.

Claiming on your own insurance for you own stupidity is retarded as your insurance will go up for the next 5 years, and on a hijet the max they'd pay out is like £700. If it went up by £150 for claiming, probably more as I'd lose all my no claims I'd be out of pocket in after a couple of years.

Part of me thinks about 3rd party fire and theft, but its no cheaper than fully comp on compare the market.
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Re: Who do insure with?

Post by Logi on Tue Nov 13, 2012 6:28 pm

Go through Quidco, get cashback Laughing
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Re: Who do insure with?

Post by toastiee on Tue Nov 13, 2012 10:45 pm

daisydon wrote:
toastiee wrote:iv got "driving other cars " witch is helpful

how did you get driving other cars?,
they told me that camper/motorhome and van insurance wont cover that in any circumstance by anyone!

i asked for it and they gave it me , i just checked and it defo on there , the company Flux used is called Groupama
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Re: Who do insure with?

Post by elfin girl on Tue Nov 13, 2012 10:49 pm

I wonder if I'd get £700 if someone crashed into mine??!! Wink
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