Pick Up Insurance - commercial vehicle??

Honest John Back Room » Motoring discussion
What is life like with your car? Let us know and win £500 in John Lewis vouchers | No thanks
View Threaded
Wed 9 Jul 2003 17:42
Pick Up Insurance - commercial vehicle?? - paul45
I would be interested if anyone has come across this before.

Friend of mine who does a lot of scramble bike reading recently swapped his 2 year old VW Alahambra with trailer for Nissan 4x4 pick up to allow him to access some of the more inaccessible places he and the bikes go rather than scrape the sump, get towed out of a mess etc. in the VW.

So one phone call to insurance company later "sorry sir this is a commercial vehicle we don't insure them".

He was paying about £400 fully comp for the VW , he's rang around a few companies who state the same - "commercial vehicle sir" and are saying approx double that amount. The car was bought brand new from an import company but its value is less than the Alahambra. Its main use will be SD& P and to and from a permanent place of work. With of course weekend trips to muddy places.

Anybody heard of this before? and recognising that the farming fraternity use this type of vehicle a lot anybody know where he could find sensible insurance ?

Appreciate the help.
Reply | Report as offensive | Link
Wed 9 Jul 2003 17:56
Pick Up Insurance - commercial vehicle?? - DavidHM
Scramble bike reading? Sounds cerebral :-)

I guess it could depend on the vehicle but I think Tesco are pretty flexible as to what they'll insure.

No idea what the premium would be like though.
Reply | Report as offensive | Link
Wed 9 Jul 2003 18:43
Pick Up Insurance - commercial vehicle?? - frostbite
>>recognising that the farming fraternity use this type of vehicle a lot anybody know where he could find sensible insurance ?

I think there's a clue there! NFU Mutual AFAIK is not exclusively for farmers and may well be the answer.
Reply | Report as offensive | Link
Wed 9 Jul 2003 19:10
Pick Up Insurance - commercial vehicle?? - mark999
Liverpool Victoria have insured my vans for private use.
They also do not charge for mods eg chipping
Reply | Report as offensive | Link
Wed 9 Jul 2003 20:33
Pick Up Insurance - commercial vehicle?? - none
Churchill insured my last van as a private car, but insisted (in effect) that that no tools or anything connected with a trade be carried in it. I used to wonder that if I was involved in an accident and Churchill discovered that I was carrying a spanner or chest of drawers in the back of my van, would they be able to declare my insurance void.
Reply | Report as offensive | Link
Wed 9 Jul 2003 21:33
Pick Up Insurance - commercial vehicle?? - Wales Forester
CIS Insurance will also insure your van on a private motor policy as long as you can satisfy them that there will be absolutely no commercial use. They're quite competetive I'm told.

PP
Reply | Report as offensive | Link
Wed 9 Jul 2003 21:42
Pick Up Insurance - commercial vehicle?? - Vansboy
Had this a few times, when a customer gets his first van.

try www.cvd-insurance.co.uk

this is Commercial Vehicle Direct, taken up by several of our customers.

VB

Reply | Report as offensive | Link
Wed 9 Jul 2003 21:52
Pick Up Insurance - commercial vehicle?? - v8man
My wife recently bought a Skoda Felicia Fun pick-up, the bright yellow thing with the sliding bulkhead that reveals back seats, and it is classed as a pick-up. Norwich Union insured it as a commercial vehicle and it is cheaper than her Rover 214 that preceded it.
Reply | Report as offensive | Link

10 warranty myths exposed

Here’s how to sort the fact from the fiction when it comes to car warranties.

Cheap Car Warranties

We give you the low down on how to save on insurance, little-known tricks and tips, what insurance groups mean and how to use insurance aggregators to beat insurers.

Insurance group finder and how to save on insurance