insurance time

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insurance time

Post by singledad on Sun Apr 20, 2014 8:42 am

its that time again, last year i got quotes and all came back over £600 as they claim its a comercail as stated on reg doc (van with side windows) was hopeing to get it re registerd as a camper this year but havent got it completed yet and again im getting stupid quotes has anyone found a company that has brains and insures the mpv as a car!

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Re: insurance time

Post by waz on Sun Apr 20, 2014 1:03 pm

I know that there are factors that insurance companies take into consideration, age, area ect but I only paid £230 full comp on my van, that was through compare the meerkat.
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Re: insurance time

Post by johnnyboy666 on Sun Apr 20, 2014 1:43 pm

Johnnys top tip - I spoke to a specialist insurance company that deal with modified cars (greenlight insurance) as i've got my other car insured with them.

Initially they said they couldn't insure it as it didn't fit into any of their modified categories. It CAN however fit into the 4x4/greenlaning category with very minor mods in that sort of direction.

In my case a snorkel air intake takes it into that category, and saved me about £160 compared to the cheapest quote on all the comparison sites. All my no claims are on the other car.

fitting a winch (however small) also counts, as would anything like lift kits, chunky tyres etc.

Its all about thinking outside the box!

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Re: insurance time

Post by Logi on Sun Apr 20, 2014 5:17 pm

FFS  affraid  I'm £130 for full business use!
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Re: insurance time

Post by elfin girl on Sun Apr 20, 2014 9:24 pm

cant remember how much mine was but i know it was the cheepest i could find, aviva, and for the first time it was recognised as a van and not and mpv without me having to argue and they also insured me third party to drive other vehicles (up to now ins comps have been say its a commercial even tho its private light goods on the log book)
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Re: insurance time

Post by HighlyJetted on Sun Apr 20, 2014 10:18 pm

I pay about £250, found through comparethemarket, insured as a van/commercial vehicle.
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Re: insurance time

Post by scotia on Mon Apr 21, 2014 7:12 am

are those amounts you guys are talking about for a hole year of insurance?
do you pay roadtax to ? (how much)

<netherlands>
i pay about 18 euros a month on insurance
and 12 euro roadtax a month
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Re: insurance time

Post by HighlyJetted on Mon Apr 21, 2014 10:10 am

No, I then pay another £120 a year for road tax.
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Re: insurance time

Post by singledad on Tue Apr 22, 2014 11:26 am

been driveing over 30yrs with no accidents but in the last 3yrs ive had a hit and run when i was parked up over night a windscreen and a stolen car that was planted into a supermarkets doors and although i had protected no cliams they still put my premium up as id had 3 none fault claims within 3yrs so protected no claims means nothing realy, seems if the insures cant claim from someone else they make sure they get there money back one way or another

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Re: insurance time

Post by HIJET1300GT on Tue Apr 22, 2014 9:18 pm

Insurance = legal theft
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Re: insurance time

Post by HighlyJetted on Tue Apr 22, 2014 9:39 pm

I think an accurate description is a Ponzi scheme
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Re: insurance time

Post by PFM on Tue Apr 22, 2014 10:02 pm

You saying insurers are pyramidacal? Surely not!  Evil or Very Mad

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Re: insurance time

Post by d1noh on Tue Apr 22, 2014 10:07 pm

HighlyJetted wrote:No, I then pay another £120 a year for road tax.

Is that all you pay, mine are £145 and £225  Question 
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Re: insurance time

Post by HighlyJetted on Wed Apr 23, 2014 12:47 am

It used to be 120 when I actually bothered caring!!!
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Re: insurance time

Post by HighlyJetted on Wed Apr 23, 2014 12:53 am

Ponzi scheme is a pretty loose description of a business model that takes todays income to satisfy yesterdays debts. Insurance companies would go bust if a slightly higher than average claims to policy ratio was to occur even though every policy holder was sold a promise to pay on claim.
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Re: insurance time

Post by singledad on Wed Apr 23, 2014 10:13 am

had i known about the 3 claims in as many years thing i wouldnt had claimed on the windscreen but all those bits are lost in the pages of small print all you see on the cover is (protected no claims,free windscreen cover) FREE yeah right

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Re: insurance time

Post by scotia on Wed Apr 23, 2014 2:43 pm

i alway wondered when i  saw <politie op je hielen><slough police reality series> why so many people in the uk drive without insurance?


in the netherlands 99% drive with insurance, so i was realy suprised by the amount of non insured drivers  silent 

reading the above posts makes it a litle more clear to me Laughing
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Re: insurance time

Post by ldv.tek on Sat Apr 26, 2014 1:13 pm

Adrian Flux and Frank Pickles will insure a van as "being converted to a camper", mine was £450 with no claims bonus and 2 claims int he last 2 years.

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Re: insurance time

Post by bushwhacker on Sat Apr 26, 2014 4:08 pm

Aviva insures an mpv properly. That's the one I use.
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Re: insurance time

Post by singledad on Sun Apr 27, 2014 10:16 am

its aviva that ive been with last year and they insure it as commercail as it states van with side windows on v5

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Re: insurance time

Post by johnnyboy666 on Sun Apr 27, 2014 11:10 am

I'm not sure if i've had a rant onn this forum yet about my ongoing insurance claim..

A lorry pulled onto the wrong side of the road and hit me head on, mangled my car and nearly killed me.

Coming up to 5 years later and I have still not received a single penny from the insurance company.

Words cannot describe how much I despise the system of insurance.

Especially considering I paid extra for legal cover, personal injury cover, and uninsured loss cover.

Because of that accident I lost my job, my house, and because they didnt pay out anything, I didnt have a car for over a year, I nearly went bloody bankrupt!

The only time you want an insurance company to step up to the mark and the bend you over a barrell.

I'm still chasing them on a weekly basis.

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Re: insurance time

Post by waz on Sun Apr 27, 2014 12:55 pm

After 5 years I would be chasing them daily, if not 2 or 3 times a day.
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Re: insurance time

Post by johnnyboy666 on Sun Apr 27, 2014 3:51 pm

Chasing once a week is stressful enough!

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Re: insurance time

Post by singledad on Sun Apr 27, 2014 7:03 pm

how often do they chase you when they want paying,,,its just legalised robbery

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Re: insurance time

Post by bushwhacker on Mon Apr 28, 2014 6:16 pm

singledad wrote:its aviva that ive been with last year and they insure it as commercail as it states van with side windows on v5
 
Well, I don't understand your problem then it must be something you have told them.
 
'Van with side windows' is DVLA code for the mpv and is shown on my V5 whilst the Association of British Insurers lists the mpv as an estate car.
Therefore you should get car insurance. However, if the insurance compay ASKS if it is a van you say no because it has seats in the back. That originally happened to me and I had no further problems.


Last edited by bushwhacker on Tue Apr 29, 2014 4:41 pm; edited 1 time in total
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Re: insurance time

Post by waz on Mon Apr 28, 2014 6:38 pm

johnnyboy666 wrote:Chasing once a week is stressful enough!

Have to contacted the insurance ombudsman? If not ask the insurance company for there contact details. They are obliged to give them to you and it puts them on notice that you are taking the matter further, other than that citizens advice are very helpful.
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Re: insurance time

Post by elfin girl on Tue Apr 29, 2014 1:20 am

i pay road tax seperately, interesting your having probs with aviva as mine is described as a panel van on v5 and so far they are the only ones who have insured it as a plg and not comercial so allowing me to be insured to drive other vehicles. ive never bothered with no claims protection as i found after each accident i had i did my usual ring arround for quotes and got ins cheeper somewhere else.
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Re: insurance time

Post by HighlyJetted on Tue Apr 29, 2014 8:31 am

Keep in mind daihatsu dealers were not very good at registering vehicles.

Insurance companies use the dvla database, and if the dealer didn't fill the form out correctly then you get computer says no.

And the windows could have been fitted as some type of camper conversion later on.
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Re: insurance time

Post by singledad on Tue Apr 29, 2014 12:26 pm

mine was built as mpv but on v5 got van with side windows, will have to get onto aviva direct and talk to them as i did insurance through swinton brokers that dont help a bit

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Re: insurance time

Post by waz on Tue Apr 29, 2014 3:48 pm

I have my honda cubs insured with Aviva, I phoned them to put the Loncin on and got told they don't insure the Loncin. Contacted Swinton Bike who got it insured with Aviva.
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