26 replies to this topic

[2/4]

There is no logic to insurance calculations.

I once enquired about van insurance as I was thinking about a small Citroen. When they found out what I would be carrying they got a bit chairy saying that I could have a professional rider in the passenger seat which might involve large claims for loss of earnings in the event of an accident.

Leaving aside that any driver could have a high earning passenger in any vehicle, I pointed out that the only professional rider in Britain (at that time) was not an acquaintance and lived hundreds of miles away so the likelihood of their scenario was nil they came out with the "ah but" stuff.

They realised they had painted themselves in to a corner when I pointed out that they had happily insured me for twenty years to tow a three bike trailer and thus I could have had two professional riders in the car.

[totalshell]

just got the quote for our octavia esatate which is due next week since we bought the car new in 2008 the premium has risen from 196 pa to 404 and all i've done is get 3 yrs older to have the thing third party only NO fire theft or repair risk for the insurer is only TEN QUID cheaper and yes i've done ALL the comparison sites.. insurance companies are ripping good customers off to pay for the liabilities of others..

[houseape1000]

I have just had a quote for £792 from C.V.D.
Seems a bit ridiculous to me.
I have about 13 yrs no claims no convictions - clean license and I am nearly 34, with a wife and 2 kids, I am hardly high risk am I.

I want it for social domestic and pleasure, but that only covers you for getting to 1 place of work.
I am based in Runcorn, but need to travel to other places sometimes as my days work will be there instead.

Getting really fed up now.
My insurance always seem expensive.
I have a 2003 pug 406 hdi and I pay about £600 for that pa with my 13 yrs NCD.
I also have a 2001 punto 1.2 which I pay about £500 pa with the wife as a named driver, although she hasn't passed her test yet - but here's the kicker ... this figure will rise quite a bit when the wife does pass her test as statistically she will be more dangerous on the road.
To sum up - Insurance is cheaper if you don't have a license.

[crasher]

To sum up - Insurance is cheaper if you don't have a license.
[/quote]


same for my 17yr old lad f/comp £1930 as a learner £2850 once he passes his test as he can go out unaccompanied,but he could have one of his lairy mates with him while he's learning so long as that person has passed their test !!

[bilc0]

Go for a motor thats classed as a classic,For the 4.2L classic Jag costs just £100 a year,fully comp unlimited mileage and full breakdown cover,and on the other page my van insurance is £1200 a year fully comp,800000 miles.

[houseape1000]

Sorted.
Cheapest was yes insurance at £625.
It seemed to go cheaper whan stating it was for carriage of own goods aswell as social domestic and pleasure ?????????

Oh well...now to sell the family saloon and start to become a gippo.

Cheers,
Andy.

[Big John]

houseape1000, on 24 February 2011 - 10:32 PM, said:

Sorted.
Cheapest was yes insurance at £625.
It seemed to go cheaper whan stating it was for carriage of own goods aswell as social domestic and pleasure ?????????

Oh well...now to sell the family saloon and start to become a gippo.

Cheers,
Andy.

Yip our vans are all SDP plus carriage of own goods!

Big John

[nip3pin]

I too have been insured with CVD for the last 6 years or so but this year they were too expensive even though I have accumalated as many years no claims with them. After shopping around a bit I found a company called www.insuremyvan.com They were £200 pounds less than CVD and put me with the same company AXA Insurance. The van is insured fully comprehensive for any driver over 25 years, is insured for 40,000 business miles a year and 10,000 social, domestic and pleasure miles, this also includes the pulling of trailers as my wife uses it to tow her horses about. The van is a 2010 Ford Transit Limited 2.2 140BHP with all the trimmings.

[houseape1000]

Hi all,

Finally just bought another van...hope it's better than the last one - head gasket blown same week as I bought it, but got my money back.
Anyways, I've been searching all over for cheap insurance doing all the usual comparison sites and such, the best price I got back was £725 but whan I actually spoke to them it was soon getting to £800 and beyond.
I tried and am now insured with Adrian Flux - TPFT - £640 with unlimited mileage and best of all I am covered for transporting the trials iron.

I noticed with some of the insurers that you're not covered for transporting a bike to an off road event/track and anything motorsport related.

53 Fiat ducato 2.3 mwb high roof.
Oh and thats with no no claims as I have them all (11 years) on the car.

Regards,

Andy.

Edited by houseape1000, 06 July 2011 - 08:09 PM.

[avo]

Hi
I am looking at getting a van and using it everyday to travel to and from work but can't find a commuting to single place of work on the type of use, which do I choose to cover this?
Thanks

[Johnnyboxer]

avo, on 01 September 2011 - 10:27 PM, said:

Hi
I am looking at getting a van and using it everyday to travel to and from work but can't find a commuting to single place of work on the type of use, which do I choose to cover this?
Thanks

Try NFU Mutual.....................about £200 for me SDP

[Andy M]

When it comes to renewal time people have tended in the past to just renew and get on with it, carte blanche for the insurer they tended to lean on the pen at renewal time hoping people wouldn't notice, but money is tighter now and we have the tools to shop around. Recently bought a Caddy Tdi and a Audi A3 tdi, they all wanted an arm and a leg in the beginning then I shopped about and halved them almost.