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( but i do have it, should it be questioned 
| Swine&Small Member Since: 20 Mar 2017 Location: Norfolk Posts: 1223  
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Hello Badger
That's interesting. I will remember that when my next renewal arrives. Thanks for the tip Regards Swine  1983 Series 3 Pick up in Marine Blue
1967 Morris Traveller 1966 Morris Convertible 2012 VW T5 Camper Quod Abundat Non Obstat. |
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11th Feb 2018 12:18am |
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| the gamekeeper Member Since: 01 Jan 2010 Location: Surrey Posts: 96  
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Badger,
Will that cover you for towing, and what other exclusions will this include? |
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11th Feb 2018 8:47am |
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| Badger110 Member Since: 06 Feb 2018 Location: South hams Posts: 1039 
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Yes covers me for towing ( we pull a horse trailer for shows) and a named driver
I limited it to 8000 miles a year as its not a daily drive, other than that, its insured as a social/domestic use vehicle...I even said I wouldnt be using it to visit business clients as they wanted to increase the premium if I did! |
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11th Feb 2018 10:00am |
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| doublea Member Since: 12 Jul 2011 Location: Aberdeenshire Posts: 495  
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This is interesting info. Our 110UW and Adventure usually come up as vans when the reg is input, but the adventure is 100% private use. I just kept shopping around until I found an insurer that treated the adventure as a car (LV), with a premium around half that of "van" quotes.
When I first started with a utility in 2009 I was a bit annoyed that the saving on RFL was used up paying a higher premium on "van" insurance. I'll be sure to try the 100% private use at next renewal. Current Steeds: 2015 110 UW in Grasmere Green 2003 BMW F650 the Hack 2000 Elise 1992 Ducati 888 (no longer in bits, yahoo) 1990 TDR 250 (in bits again) 1988 TDR 250 (no longer in bits) and for sale |
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11th Feb 2018 10:46am |
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| JR Member Since: 07 Dec 2012 Location: Auchtermuchty Posts: 532 
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Admitedly my change back to a car from a commercial was 25yrs ago so the industry has probably changed. I have always used NFU Mutual which probably explains my experience!
I too was told I only had 40%ncd (the max for a commercial policy at the time) but I posed the following hypothesis: The car I had before the commercial was full ncd and that became the 40% max on the commercial so surely I should get the 65% max ncd for a car by the same process in reverse. My logic won the day and I went straight back to full ncd on my newly acquired Sierra XR4x4! If you've used the same insurance company, give it a try, the worse that can happen is they keep you on the same discount! |
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12th Feb 2018 12:16pm |
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| Sammie Member Since: 17 Feb 2018 Location: Edinburg Posts: 1
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When I purchased a horse trailer recently, and visited Horse In Box Insurance for choosing the right insurance in a hassle free manner. Those interested may click here to have a look at the best insurance quotes online.
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17th Feb 2018 12:34pm |
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| Mash Member Since: 09 Feb 2015 Location: Guernsey Posts: 1674  
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One thing I learnt yesterday my mate has commercial insurance on his L200, when he called up to claim for a cracked screen he was told on a commercial policy it was an optional extra only available upon renewal/initial cover. So just check it’s on your policy
90 wolf - Jasmin http://www.defender2.net/forum/topic39408.html
90 V8 - Maggie http://www.defender2.net/forum/topic42564.html 110 TD5 - Buggsy http://www.defender2.net/forum/topic59029.html 52HG25 lightweight https://www.defender2.net/forum/topic72342.html D3 Hse - Fiona Capri 2l S - Anna Think I might have a problem............ |
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17th Feb 2018 9:34pm |
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| Badger110 Member Since: 06 Feb 2018 Location: South hams Posts: 1039
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It depends on the insurance company, if they can fleece you to get more money with an ' extra ', then they will, including making windscreen cover an option rather than an inclusion. Fortunately mine's included  |
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17th Feb 2018 11:55pm |
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| familymad Member Since: 13 Dec 2011 Location: Bucks Posts: 3481  
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LR have historically been rubbish at defining what the V5 document says the vehicle is. A 90 or 110 CSW should say 'estate' and not be classed as commercial.
Our 2016 110 was wrong. It means that you will be subjected to the LEZ charges later in the vehicle's life or even banned unlike a correctly registered CSW. We have commercial insurance on the 130 with NFU and no issues. Great insurer. 1951 80" S1 2.0 1995 110 300TDI 1995 90 300TDI |
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18th Feb 2018 1:12pm |
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| A-Plan Insurance Site Sponsor Member Since: 30 Oct 2013 Location: United Kingdom Posts: 344
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Just a quick note to add... here at A-Plan we don't just do the specialist 4x4 cover and car insurance we also have commercial policies and Social, Domestic & Pleasure Van policies (as well as Home, Buildings, Contents and Landlords).
We also have specialist commercial branches for Fleet Insurance, Liability Insurance and Premises Cover. Bare that in mind when you are up for renewal 
Have a great day! Carlie Howden Insurance - Specialist Vehicle Call us on 01635 874646 for a quotation |
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5th Mar 2018 8:55am |
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