 | Home > Off Topic > Campervan insurance for business use. Possible? How? |
 
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971   
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My boss has bought a campervan for his wife, the idea being that she can take her elderly parents out and have a mobile toilet cum tearoom and that he can use it at farmers' markets being easier to turn up in a van and wind an awning out than to set up his full stall.
The snag is that he assumed it would be easy to insure, but when we got in touch with our brokers to put it on to the fleet "anyone can drive anything" policy, they said no. Turns out Rural Insurance Group are fine with tractors and electric cars, but not campers. So our broker looked elsewhere and so did we, and they best we've come up with is £1800 a year for a 16 year old VW van. Which is nuts. At that price, we can't justify keeping it so the camper-toilet-tearoom-cheesemobile will have to go. Personal use cover is fine, for just them it comes to £300/year but that's not what we need. My question is, has anyone got a camper used for business purposes, how have you managed it, who are you insured with etc.? It's currently on temporary insurance with Rural for something like £55/week, which is fine temporarily but not viable long term. The other potential snag is that the main drivers don't have insurance policies in their own name, so don't have any NCD because it's all under the fleet policy which won't insure it. |
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9th Apr 2016 3:54pm |
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us off.
| mcl001 Member Since: 14 Sep 2015 Location: Pembrokeshire Posts: 31 
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Hi
We have a 2013 plate T5 converted as camper. It is part of my business and is insured for full business use including carrying materials/tools (not that I would) and also social domestic pleasure. Is with LV for 426 fully comp. also covers different wheels and suspension mods |
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9th Apr 2016 4:18pm |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971
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Yes, that was worse. Our local NFU seem particularly pants with insurance, loads of farms use the NFU in general but we've found them to be far higher than with our brokers. I've found them to be silly with my Defender and they were silly with the camper too. Doesn't have to be for numerous drivers - just them would be OK (though all of us would be better). mcl001: hmm, that's promising. Is it registered as a van or a camper? I think it would be a lot easier for a van with a toilet rather than a camper but I don't know. We used to have a van until it died and that was fine! This is a T4. Are you a limited company? |
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9th Apr 2016 4:49pm |
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| mcl001 Member Since: 14 Sep 2015 Location: Pembrokeshire Posts: 31
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Hi
It is a Ltd co. but only a small one - me and wife. It was a panel van when I bought it new but had the log book changed to motorcaravan when converted. It made the insurance cheaper. It is also insured for several drivers, my age 43 full NCD. I have a multicar policy with them so Landy with them also as can use NCD on both. Covered for way more than panel van cost as it cost me another 16k to get converted. |
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9th Apr 2016 5:04pm |
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| mse Member Since: 06 Apr 2008 Location: UK Posts: 5035 
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Our motorhome has business use on it...I thought it was funny if I turned up to work in it, but in the situation you describe I can see why you would.
Also Red Cross and similar have motorhomes for the same sort of stuff. Have you tried proper motorhome insurers? Mike |
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9th Apr 2016 5:32pm |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971
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So far he's gone through a couple of well known brokers plus some price comparison website for motorhome insurance. Exactly which comparison sites he went to I'm not sure, but that's how he got the £300 quote that turned out not to include business use, and then talking further to that company got told to go away.
Do you have anyone specific in mind for "proper motorhome insurance"? It would probably be easier for a private van with business use rather than a business van for business use. mcl001: brilliant, thanks. |
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10th Apr 2016 5:46pm |
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| Hairy Dan Member Since: 25 Apr 2013 Location: NW Durham Posts: 1414 
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Have you tried the forum sponsor A-Plan? Cheers Ian
-------------------- 22MY Defender 110 D200 SE, Fuji White. Kielder 4x4 Safari Instagram @defender_v8 |
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10th Apr 2016 6:05pm |
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| mse Member Since: 06 Apr 2008 Location: UK Posts: 5035
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Comfort, Caravan club and safeguard (which is swinton i think) all we have used all had business use on it. Good luck Mike |
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10th Apr 2016 6:45pm |
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| DonH2000 Member Since: 12 Jan 2015 Location: North Kent Posts: 551 
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Have you tried the VW T4-T5 forum?
http://www.vwt4forum.co.uk/ Free to join..... another good bunch of folks. Cheers Don. |
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11th Apr 2016 8:33am |
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| Walmsleys Member Since: 19 Feb 2015 Location: Leyland Posts: 110 
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Get your boss to move his Fleet policy - try www.Fleetcover.co.uk 2015 Urban Truck 90XS in Havana
(previously 2013 D4 XS in Fuji White) (previously 2011 D4 XS in Stornaway Grey, auto, black leather, reversing camera and removable tow bar) (previously 2011 Freelander 2, blue (Mrs B's) (previously 2007 TDV6 D3 SE Zermatt Silver, auto, black leather, an Uncle Ray plate and AT2s) (previously 2001 Freelander One, blue) (previously 1967 Series 2, Green) |
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11th Apr 2016 9:50am |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971
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So far...
Adrian Flux: yes, £1850. LV (through a broker): No. Comfort: No, has to be registered to a person. Caravan Club: No, try your local insurance broker. NFU: No, unable to quote. We don't want to move the whole fleet, we're happy (apart from this) with our current policy and it's tied in for a while anyway. Thanks for the help guys, it is appreciated 
He's now going to try LV direct rather than through a broker. |
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11th Apr 2016 11:09am |
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| mse Member Since: 06 Apr 2008 Location: UK Posts: 5035
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That might be the difference, ours is registered to us...odd about the caravan club, theirs had business use on it.
Did you try safeguard? Ask a caravan dealer how they do it for shows etc, Mike |
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11th Apr 2016 12:47pm |
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| Cupboard Member Since: 21 Mar 2014 Location: Suffolk Posts: 2971
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Went back to LV direct and they've done it for about £350 which isn't too bad. The broker that had tried them must have been a complete numpty.
Turns out they're also a lot cheaper for the Tesla that arrives tomorrow, so I've got about a week to have a go in it before it's off the fleet policy and I'm not insured to drive it! |
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11th Apr 2016 6:55pm |
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| grafty99 Member Since: 15 Aug 2012 Location: North Devon Posts: 4785 
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Could you not insure it as a modified Van? 2002 90 Td5 Station Wagon
1990 Vogue SE Triumph Tiger Explorer 1200 Td5 90 Thread http://www.defender2.net/forum/topic50767.html Tdi 110 Thread https://www.defender2.net/forum/topic69562.html RRC Thread http://www.defender2.net/forum/topic54492.html Instagram http://www.instagram.com/george_grafton |
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12th Apr 2016 7:48am |
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