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Discussion Starter #1
hello all

any one got any ideas were i can get insurance cheaper than selling a kidney?

tried all the usual suspects, Adrian flux, just campers, performance direct, auto net ect, but the best any one can do for me is 1600!!!!!!! :(

now breath.


ill explain why it might be a tad high

i have 3 claims in the last 5 years, one non fault two faults (altho there a touchy subject)
one speeding conviction when i first got my license I:
im 23
fully employed and the van is kept in a locked garage in a nice enough area.

no reall mods to declare so its just a 2.5tdi panel van 88bhp

its getting to the point were i might just park the van up and hitch hike to work



any one got any ideas how to get it lower? other than get my gran to insure it. :ILU:
 

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dont know about any body else i use budgetvan insurance yuo can add the mods on there pages ie alloys, seat upgrades etc.£300 fully comp.
 

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finding the right policy is a massive ballache and what works for 1 wont nec work for someone else, my issues were steet parking in london with a self modded interior and business use, i found a broker in the end called Insurance Choice. you might find you are best to approach a broker but £1500ish for a 23 yr old with loads of claims, i think youre going to struggle to better that, i tried to add a 26 yr old with 6 points to a car and it bumped the annual premium from £400 to £1400, If you find you have to go down the granny route look for a policy that will allow you to accumilate a nc bonus as a named driver, and for heavens sake, try not to make any more claims!



B.
 

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Discussion Starter #6
all the claims were before the van, both of the my fault claims are from either old people stopping on a rounder bout or old people swerving to avoide animals


wen ever i see a hyundi or a fiesta i give them a wide berth.
 

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Do you have a partner ? get her to get the insurance and have you as a named driver.
For some reason putting your partner on your policy also cuts the premiums.
 

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Have you tried directline, we were paying £14 a month last year, admittedly hubby and i are both over 25 and we have 3 policies between us and full no claims - even so they are usually quite good for younger drivers etc! T:
 

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good god thats expencive, bare in mind im 40 this year no accidents or convictions and full no claims running with limited milage of 5k a year i pay brentacre £333.33
looking at changing mine to aggreed value this year though as think it would be hard to replace my van like for like for the money brentacre say its worth.... spoke to a few people looking to buy or just bought xpack 03 or 53 t4's and couldnt belive how much people were paying for box standard clean examples... try make sure its not under insured ozzy if you was to buy another long nose 53 it would cost a small fortune...
 

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Discussion Starter #11
good god thats expencive, bare in mind im 40 this year no accidents or convictions and full no claims running with limited milage of 5k a year i pay brentacre £333.33
looking at changing mine to aggreed value this year though as think it would be hard to replace my van like for like for the money brentacre say its worth.... spoke to a few people looking to buy or just bought xpack 03 or 53 t4's and couldnt belive how much people were paying for box standard clean examples... try make sure its not under insured ozzy if you was to buy another long nose 53 it would cost a small fortune...
Tell me about it. Just getting parts to repair the wing were harder than selling bottled air.


Got a quote from directline of 1600. Gina give brentacre a call see if any one can do better.
 

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I've been with Motor Direct Insurance for years - I have a small collection of points - and a claim (large) when some fine 'Pikey' fellows liberated my satnav which cost a new door, 2 windows and paint etc. They have always been good to me. As brokers they need to help you.........you may not believe this next bit. 5 years ago on my T5 they wanted £675, within 5 minutes, same cover, breakdown taken off = £200 exactly.
 

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I'm havin the same problem at the moment. The theft of my white van is trippling my insurance. Best quotes I am getting at the moment is 923 with 12 years NCB.

Try Brentacre, Whitllesey Insurance and Advance Insurance.

These are the only companies which will give me a quote.
 

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Feal for you mate.. They make these prices up as they go im sure :*
Im 32 with a few minors here and there and one major I:
Adrian flux full comp £459 without my no claims it was loads more :eek: its a velle too which are more expencive..

Hows about getting someone else to insure it cheap and be a named driver? Cant think of any otherway to make it cheaper mate :ILU:
 

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Feal for you mate.. They make these prices up as they go im sure :*
Im 32 with a few minors here and there and one major I:
Adrian flux full comp £459 without my no claims it was loads more :eek: its a velle too which are more expencive..

Hows about getting someone else to insure it cheap and be a named driver? Cant think of any otherway to make it cheaper mate :ILU:
That's really bad advice to give somebody.... I think you'll find this could land you in a whole lot of trouble if you have a major incident.
 

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That's really bad advice to give somebody.... I think you'll find this could land you in a whole lot of trouble if you have a major incident.
Is it?! Oh ok thanks for pointing that out :*
If your insured your insured right? All i was suggesting is that he may get it cheaper but he would still be insured obviously..

Elaborate please..
 

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That's really bad advice to give somebody.... I think you'll find this could land you in a whole lot of trouble if you have a major incident.
Spot on. Not a good idea at all. And if he has previously insured it as the owner and keeper etc. It will get flagged if he suddenly pops up as a named driver with someone else as the policy holder.

Best advice was to get his partner on there as a named driver if possible. When I did that recently it brought my premium down by 21% somehow !!!!
It's crazy as Caroline has never driven anything bigger than a Yaris, and has never driven LHD so would be a total liability if she did actually drive the van (which she won't be!)

But I haven't told any lies, and my cover remains fully legit and above board.
 

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Spot on. Not a good idea at all. And if he has previously insured it as the owner and keeper etc. It will get flagged if he suddenly pops up as a named driver with someone else as the policy holder.

Best advice was to get his partner on there as a named driver if possible. When I did that recently it brought my premium down by 21% somehow !!!!
It's crazy as Caroline has never driven anything bigger than a Yaris, and has never driven LHD so would be a total liability if she did actually drive the van (which she won't be!)

But I haven't told any lies, and my cover remains fully legit and above board.
Point one taken I:

That is kind of what i ment as we put my Mrs on mine and it went down by nearly £200 :eek:

Back to my crayons
 

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It's called fronting and with most insurance providers will invalidate your policy if you have an accident which means, if you're unlucky enough to mangle someone and your motor, your policy will be voided from the date you took it out (which effectively means it never existed, ergo you have no valid insurance), you will be liable for the costs of the whole claim and also to prosecution.

I've worked in motor insurance for 20 years and believe, me, it's the truth!!

Don't do it folks!!
 

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Yep.....killing us to!!!

Been new to the T4 world and all, i went to insure our newly owned T4 today (thanks Bodhi!!! T:) ...and boy, I was in for a shock...best quote was double plus a little more than my car premium... :eek:

Spoke to an insurance advisor via work (we can get special rates) he stated that as it is a 'van' all my work special rates do not apply.:bhd

However he was kind enough to explain the following....R:

He explained that a lot of insurance underwriters have pulled van cover for social domestic pleasure purposes, due to fraud.

Too many people were taken insurance as sdp and then driving as a courier for example, therefore, 'van' insurance is now mainly commercial unless you go to specialist companies.

He stated that there is only one 'standard' company that will allow a 'van' as a car policy at the moment and that is aviva. (this is correct as i had actually gone with them prior to our convesation).

In addition to this, due to the reasons stated above, van insurance has gone up 42% in December 2010....!!

Not sure how correct he is, but he was not touting for buisness as he said he could not beat aviva and wont even try a quote!!


I'd love to know how people are getting quotes in the 300 - 400 region - ours is double!!:eek: (no claims, 6NCB, both drivers above 30)

Anyhow...good luck and any pointers let me know, and i will cancel and move insurance!!!!
 
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