car and van insurance

rosebarn

Just wondered if anyone knew if it is possible to insure a van and a car on the same policy.
I've got a ldv van and a 306 estate neither of which do many miles. We are soon going to be delivering plants so I've got to keep the van. However the ldv is rubbish as a day to day vehicle - hence the car.

If anyone is insuring a van and car on the same policy, please let me know where. I've tried some insurance companies but they don't want to know. I probably do less than 4000 miles a year in total.

Thanks

Quentin

Consider the savings that can be made taking separate policies out via a cashback site.

If the premiums are competitive, there are some insurance companies you can buy policies from via cashback sites who give you large cashbacks for each policy (£100/£90/£80 is not unusual).

These cashback payments could add, (eg 2 @ £100 = £200), to far more than any discount an insurer might give you for you insuring both vehicles with them. (eg Direct Line will only give you an extra 10% discount off one policy if you insure 2 vehicles with them).

jinnan_tonnix

Hi Rosebarn,

I'm in a similar situation to you.
I run a cheap, old car (it's normally reliable, so it's a 'keeper') and a camper van.

Most regular insurance companies don't want to know about the camper van, so I have no choice but to have it on a separate policy.

The main problem is that you CANNOT use a no-claims discount you gained from vehicle A on vehicle B if you still own vehicle A. I hope that makes sense.

This is a little unfair, I think. The no-claims bonus is awarded to the vehicle, but any strikes are held against the driver.

HOWEVER, the insurer of vehicle B will normally take into account the no claims discount on vehicle A (they will need to see proof) and award you a substantial discount, so all is not lost.

The point I'm trying to make is that it simply may not be cheaper to have a two-vehicle policy from the same insurer.
For the car, go for a 'screen scraper' insurer (like I did) and for the van go for a specialist (I used Adrian Flux brokers).

Hope this is of some help.