van insurance

2makeit

im looking to re-insure my van and was quoted silly prices,
it is for personnel, social, commute,
i noticed that some companies exclude to cover you to drive another vehicle,
does anybody have decent places to try?
thanks

AdrianC

If you're just getting "silly" prices from the comparison engines, then that's the market rate for the risk you offer.

Grumpy_chap

The insurers may see it as unusual that a van is being insured for "SDP+C" only as most vans are used for business.
There are some increased restrictions on driving other vehicle cover to reduce fraud / people driving vehicles that do not have their own policy in place.

fred990

Try AXA, direct not via comparison websites. Lwb blingy vw t5.1, from new never above £200, sdp (no commute), 2000 miles year appox. Don't think it was much more for commuting. 

Herzlos

Grumpy_chap said:

The insurers may see it as unusual that a van is being insured for "SDP+C" only as most vans are used for business.
There are some increased restrictions on driving other vehicle cover to reduce fraud / people driving vehicles that do not have their own policy in place.

Lots of people have been using vans for social/hobby stuff too, and it makes sense if you don't need the extra seats. Of course, vans still usually mean cargo of some sort (sports equipment, bikes, etc) rather than commercial, which is higher risk.

EssexExile

I don't think you'll get far on the usual comparison sites, many of the usual suspects don't insure vans. Try a broker, I used Vanline Direct but it was years ago. It will cost more than the equivalent car.

Cyan

My partner has also struggled getting a reasonable price for van insurance. We moved house, and are under a different postcode area and council - considered to be a more affluent area, but the insurance has gone up massively compared to the old postcode. 

Is there any guidance anywhere that details what is likely to make van insurance more expensive? My partner is over 40 years old, been driving for many years, self employed, etc. We can't understand it. My car insurance hardly increased when I changed my address on my policy.  

sevenhills

Cyan said:

My partner has also struggled getting a reasonable price for van insurance. We moved house, and are under a different postcode area and council - considered to be a more affluent area, but the insurance has gone up massively compared to the old postcode. 

Is there any guidance anywhere that details what is likely to make van insurance more expensive? My partner is over 40 years old, been driving for many years, self employed, etc. We can't understand it. My car insurance hardly increased when I changed my address on my policy.  

I am considering buying a van, how much are you being quoted? When I ran some quotes a few years ago, I believe it was around £40 vs £300 for my car. So a large percentage difference, but only £100 more.

I am 'employed' I would guess being 'self-employed' would ring alarm bells for an insurer, for non-business use.

Cyan

He's had to go for one that's around £900 I think. But it's been around a £300 difference based on the previous postcode. 

Cyan

Also - we're wondering if the fact that he wasn't on the electoral roll at the time of getting the insurance maybe made a difference? I mean, I wasn't either - and my car insurance really didn't increase all that much. We are both on electoral roll now.