VW T4 Forum - VW T5 Forum banner
1 - 18 of 18 Posts

·
Registered
Joined
·
8 Posts
Discussion Starter · #1 ·
Hi again, still a newbie so thought this was the best forum to ask my next question...

Basically, who's the best for insurance?

The wifes's best quote so far is £660 with Adrian Flux, this is nearly £400 more than the 2.0ltr Beetle we are trying to sell!!

The big problem seems to be that they are saying it needs to be a 'commercial' policy and covers us for business use, obviously in our case this is not needed..

It doesn't appear to be an option the avoid this..

Is there a thing as an understanding insurer who agree's to our needs...?

(Just in case it helps its a 2ltr, 102 about 18 months old with front seats only)

Many thanks to any suggestions....

Keiron
 

·
Registered
Joined
·
1,690 Posts
Got me a deal with Aviva. Way cheeper than all the other specialists as they would mirror my no claims bonus from my other car even though i had a clame last year. £650 for a modded T5, £850 was the next cheepest.

Ive had to edit this post:

Just had a argument with my broker, BeWiser who got me a covered with Aviva. When i took the insurance out i told them i would be modifying it and told them what i wanted to do and even got a quote @ £650. I took the insurance out with my van in standard form but after a couple of days with out telling me they cancelled the policy and put me on another one but it didn't cover me for bisness use. I wouldn't have known this if it wasn't for calling them to say i was starting the mods which is a camper conversion. After 6 days of phone calles and call backs not being returned they now say the they wont cover modded vans. I now have to pay the £55 cancellation fee.

I called Brentacre and got covered for £699 with any mod i wanted excl remaps. And all this with only one year NCD and having had a claim in 2010 and 3 points on the license. Funny thing was i called them before i got my van and they quoted £850 for the same cover so it seems int not just who you call but when.
 

·
Registered
Joined
·
5 Posts
I too am new to owning a van and could not believe the ridiculous cost of insurance - full NCB (11 years+), off road parking, and the cheapest policy I could find last November after 2 days on the phone was £730! - this a pre-modification panel van price! - through Commercial Vehicles Direct. My Fiesta costs me £220

One thing to beware - tell them, tell them and tell them again that you intend to modify it, what you intend to do, and that you're bringing a NCB from a car - the first policy I took out had to be cancelled after set up, they claimed they only accept NCB history from a van. The next one said I could have either extra seats or windows not both... after I'd installed both, even though I told them right at the start exactly what I intended to do - this was the only reason I bought the van for. I was told my premium would increase by £100 after mods when I took it out - I changed this today - it went up by £200.

Insurance companies seem to pluck figures out of the air - I would have cancelled the policy - but would only get a 50% refund after only 2 months so they had me over a barrel.

Yesterday I got a quote from Aviva for £660, which included all the mods and increase in value - nearly £300 less than I am paying at the moment. I don't think I'll be staying with the same company when it comes to renewal somehow.

I think you're in the right area with you're wife's quote - post any better ones for future reference
 

·
Pendle Performance Main Agent
Joined
·
1,135 Posts
I just got a fully comp quote for me and the wife (she uses for business use occasionally (i.e. picking someone up from work etc - she has to be covered) with Adrian Flux for £280 per year. That's with a guaranteed £20k value. We got a small discount for being members of our local VW owners club. T:
 

·
Registered
Joined
·
177 Posts
I just got a fully comp quote for me and the wife (she uses for business use occasionally (i.e. picking someone up from work etc - she has to be covered) with Adrian Flux for £280 per year. That's with a guaranteed £20k value. We got a small discount for being members of our local VW owners club. T:
Hi,
What van are you driving to get insurance so cheap :eek:

I've never had a price this cheap even in my old T4:(
 

·
Registered
Joined
·
8 Posts
Discussion Starter · #9 ·
folks....

piece of mind and all that.......


we've gone with the adrian flux quote of 660 quid, with this the lowering, alloys and possiblity of seats and windows was all acknowledged...

VW's own was about £100 more but consideration to all ther extra's were never discussed...

hope this helps, thanks for all replies..........
 

·
Registered
Joined
·
177 Posts
guys, wish my insurance was like yours mine is £2200 with a £400 deposit, broke my heart :(
Well that makes me feel a little better..............................NOT !

I was robbed of £1150 for a 2009 T5 174 LWB with alloys and lowered suspension, going of what some folk have paid on this forum thats a lot,
feel for ya bud :eek:

Oh it wa Adrian Flux who droped my pants and slapped my aris
 

·
Registered
Joined
·
1,404 Posts
Christ, mines 270 quid with loads of mods! Adrian Flux all the way.

Thought the same about van insurance when I went from cars - was only paying £320 for a golf R32, with full no claims - Direct Line charged me £590 for an un-modified van - once I added the first mod (alloy wheels) they refused to insure the van..
 

·
Registered
Joined
·
16 Posts
Hi everyone,

I'm new here but I just bought my first T5 and was quite shocked whilst trying to insure it. I rang around for two days getting quotes from anything from £755 to £500 ish. I was not impressed. I got intouch with loads of recommended brokers etc and got told the best deals were going to be no lower £495.

This was for a 1-9 102 T30 on a '08 plate with 5yr no claims (after I had an accident back in Jan '09) (first accident in 25 yrs of driving and was at blame because in trying to avoid a car pulling out into me.... I then swerved into one myself!....Anyway, I will stay away from my pain on the subject just mentioning it as it was a factor in getting quotes.

One problem that came across was trying to insure a commercial van as a family use only vehicle. Seemed nigh impossible to get this out of the insurance firms.

I finally got intouch with Aviva who not only got us a fantastic deal of £324, fully comp with both the wife and I on it. I had an extra £35 on to for an added European cover pack as we were going to Disneyland Paris over the half term + camping this summer.

Aviva accepted I had 19" alloys on also. And its insured as a family car. We have also now extended this into a multi car package now as the wife's car is due this month and that was £53 cheaper this year and we are very happy all round.

One thing to be careful of though is with most insurances will penalise drivers who change from car to commercial insurance by accepting their no claims bonus for use on the van. However, and here is the con... once you do so when you then at some point try to insure a car again with the same bonus.... you cannot, as its not transferable!!! This then means you have to start all over again from 0 NCB. Aviva do not do this on this type of insurance and will issue a proof of NCB for use on any vehicle.... so again........ BONUS!!!

Look on the Ariva website (http://www.aviva.co.uk/van-insurance/) and look for the Private van quote tab and go from there.

Sorry for the long spiel guys but hope it helps others save too.

Cheers

Nige. T:
 

·
Registered
Joined
·
1,690 Posts
I would be very wary of Aviva, I was insured with them. Got a quote for a fully modded van (inc business use) but in the end bought a standard van to do the mods my self. Got insurance sorted but after two days they removed the business use without telling me, only found out when i called them to tell them i was starting my mods and after a week ofphone calls explaining what the mods were they told me they wouldn't insure me so i had to cancel the insurance which cost me £55. Now insured with Brentacre with have no issues with any mods at all.
 

·
Registered
VW T4 2002 1.9 TD
Joined
·
7 Posts
I Know this thead is old but thought I would add my 2pence worth.

Using the recomendations above to insure a T4 2002 1.9 TD with Campervan status I tried:

Comfort (Aviva) - £650 + £65 for european breakdown
Brentacre - £460 (No breakdown cover option available)
Adrian Flux - £269 + £95 (European Breakdown)

I have gone with Adrian Flux, especially as they don't charge an admin fee for modifications if your vehicle is already classed as a campervan.

Gonna try and shave a bit more off and find cheaper breakdown cover.
 
1 - 18 of 18 Posts
Top