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  • FIRST POST
    • Highwater32000
    • By Highwater32000 11th Apr 18, 9:03 PM
    • 3Posts
    • 0Thanks
    Highwater32000
    Private Van Insurance
    • #1
    • 11th Apr 18, 9:03 PM
    Private Van Insurance 11th Apr 18 at 9:03 PM
    Hi, I'm new to the forum so just hoping for some pointers about private van insurance. Can anyone recommend a good insurance company that offers reasonable premiums for private van insurance. I'm doing online comparisons for a member of my family and I don't understand why the premium is so much higher now that he has changed his 4 seater car for a 2 seater van. He's not using the van for any commercial use - purely social, domestic and commuting to his place of work. All the conditions remain the same as when he had the car (e.g. same address, mileage etc.) so to my mind, he's the same level of risk to the insurance company so the jump in premiums seems crazy. Any advice would be gratefully received.
Page 1
    • Puresilver
    • By Puresilver 12th Apr 18, 8:27 AM
    • 1 Posts
    • 0 Thanks
    Puresilver
    • #2
    • 12th Apr 18, 8:27 AM
    • #2
    • 12th Apr 18, 8:27 AM
    Hi highwater I have the same problem,I have always had a small van for pottering around in,mine runs out on 14 this month and it is 250 more,I am 45 I have clean license 12 years no claims I do less then 5000 miles a year,the van is only worth 800 pounds and insurance is 550 it was 370 last year,I have tried every site on google and still no better off.
    Last edited by Puresilver; 12-04-2018 at 8:31 AM. Reason: Numbers appear for some reason
    • Highwater32000
    • By Highwater32000 12th Apr 18, 8:56 PM
    • 3 Posts
    • 0 Thanks
    Highwater32000
    • #3
    • 12th Apr 18, 8:56 PM
    • #3
    • 12th Apr 18, 8:56 PM
    Will keep on looking but it's not looking promising. A colleague who used to work in insurance has suggested i go to a broker as they may have a better idea of providers who don't consider all van drivers high risk. Will up date the thread if I get anywhere with the search. Good luck with your search.
    • AstroTurtle
    • By AstroTurtle 13th Apr 18, 9:18 AM
    • 127 Posts
    • 485 Thanks
    AstroTurtle
    • #4
    • 13th Apr 18, 9:18 AM
    • #4
    • 13th Apr 18, 9:18 AM
    He doesn't use it at all to do with his business? So he drives a van as a car? Doesn't keep any tools? Doesn't take anything to any Jobs?


    What is his occupation.
    • Highwater32000
    • By Highwater32000 13th Apr 18, 6:35 PM
    • 3 Posts
    • 0 Thanks
    Highwater32000
    • #5
    • 13th Apr 18, 6:35 PM
    • #5
    • 13th Apr 18, 6:35 PM
    He works in the maintenance team for a council. He drives work vans all the time but this is his first van so he has 0 no claims discount.
    • forgotmyname
    • By forgotmyname 13th Apr 18, 6:54 PM
    • 26,830 Posts
    • 10,784 Thanks
    forgotmyname
    • #6
    • 13th Apr 18, 6:54 PM
    • #6
    • 13th Apr 18, 6:54 PM
    In 5 years time it will be much cheaper then (in theory)

    But the insurer will think why would someone want a van to commute to work and for private use?

    What would his answer be i wonder?
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • MallyGirl
    • By MallyGirl 13th Apr 18, 7:00 PM
    • 2,611 Posts
    • 7,606 Thanks
    MallyGirl
    • #7
    • 13th Apr 18, 7:00 PM
    • #7
    • 13th Apr 18, 7:00 PM
    I use dial direct but it did go up last year from 378 to 502 I only did 140miles in it so I need to have a proper think about whether to keep it.
    • Nebulous2
    • By Nebulous2 13th Apr 18, 8:51 PM
    • 1,825 Posts
    • 1,102 Thanks
    Nebulous2
    • #8
    • 13th Apr 18, 8:51 PM
    • #8
    • 13th Apr 18, 8:51 PM
    We converted a van into a motor home and found Adrian Flux useful to insure vehicles that other people wont take. The big red flag may be commute to work. They are worried you will use it for work.

    We insured social domestic and pleasure only as I didn't need it to commute.
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