Pickup insurance
- Thread starter AndrewT059
- Start date
Which is why I always check those details carefully. And Gladiator still came out at or near the top.
Another factor is who the underwriter is. When buying insurance you're just dealing with a broker. It's the underwriters who write the cheques if there's a claim. I tend to avoid underwriters I've never heard of and prefer established UK mainland-based names like Axa. You're more likely to get paid quickly and in full than with some firm operating out of a mail box on Gibraltar.
Hi Lads.
When you are telling us how cheap your insurance is then please state your excess. For instance, a £200 premium sounds great if you do not mention the £1k excess. I exaggerate slightly to make the point. A lot of policies are cut to the bone to make the price look attractive.
When you are telling us how cheap your insurance is then please state your excess. For instance, a £200 premium sounds great if you do not mention the £1k excess. I exaggerate slightly to make the point. A lot of policies are cut to the bone to make the price look attractive.
Scandially
Well-Known Member
"All eventualities" is what you want to have. NFU are about the only ones that offer that.
Commercial insurance for my 2016 Toyota Hilux worth £21k with £250 excess, 9000mile per annum is an eye watering £470
no convictions
full no claims (protected)
parked on my drive.
Thinking of changing to a 2019 Shogun Sport value £25k as above same mileage etc but car derived insurance £305.
Commercial insurance used to be cheap, when I first passed my test 40years ago, but not anymore!!
no convictions
full no claims (protected)
parked on my drive.
Thinking of changing to a 2019 Shogun Sport value £25k as above same mileage etc but car derived insurance £305.
Commercial insurance used to be cheap, when I first passed my test 40years ago, but not anymore!!
Scandially
Well-Known Member
NEVER tell your insurance company your car is garaged. It will increase your insurance due to many claims of damage when parking up and items falling on the car off shelving and overhead storage.
I've been with Aviva for some years now, always found them good.
Always a bit difficult to compare actual prices because of add-ons like recovery and the various accesses. Bit of a minefield really!
Always a bit difficult to compare actual prices because of add-ons like recovery and the various accesses. Bit of a minefield really!
You do have to be very careful what you tell insurance companies because everything goes on a database and nothing you say can be unsaid.
I had a problem a few years ago when I bought a Discovery. For years my only vehicle had been a van on commercial insurance. I had maximum NCB on the van but I'd have none on the 4x4 if I started again from scratch, so I asked my insurers (Adrian Flux) to add the Discovery as a second vehicle to my van insurance. We can't do that, they said, the Discovery isn't a commercial vehicle. But I use it for work I said. Even so, they said, it's not a van, so you'll have to put it on a commercial 4X4 policy. That was stupid money, over a grand. OK I said, scrap that. I'll just have to bite the bullet and start from scratch with zero NCB on a regular car policy. Give me your best price for social/domestic/private light goods.
We can't quote you PLG they said, because you've just told us you're using the vehicle for work. I said, then I won't use it for work. I'll stick to the van and keep the 4x4 for private use. But they wouldn't have it. Having told them I'd be using the Disco commercially, they'd classed it as a commercial vehicle and that's all they quote me for, at eye-watering rates. And everywhere I tried to insure it, it came back as a commercial vehicle. In the end I had to insure with Lancaster as a classic vehicle on a strict mileage limitation with no NCB accruing. It was a nightmare. Luckily I got fed up with the unreliability and footwells filling up with water every time it rained so I got shot of it after a couple of years.
Lesson learned. Be very careful what you tell the b*stards.
I had a problem a few years ago when I bought a Discovery. For years my only vehicle had been a van on commercial insurance. I had maximum NCB on the van but I'd have none on the 4x4 if I started again from scratch, so I asked my insurers (Adrian Flux) to add the Discovery as a second vehicle to my van insurance. We can't do that, they said, the Discovery isn't a commercial vehicle. But I use it for work I said. Even so, they said, it's not a van, so you'll have to put it on a commercial 4X4 policy. That was stupid money, over a grand. OK I said, scrap that. I'll just have to bite the bullet and start from scratch with zero NCB on a regular car policy. Give me your best price for social/domestic/private light goods.
We can't quote you PLG they said, because you've just told us you're using the vehicle for work. I said, then I won't use it for work. I'll stick to the van and keep the 4x4 for private use. But they wouldn't have it. Having told them I'd be using the Disco commercially, they'd classed it as a commercial vehicle and that's all they quote me for, at eye-watering rates. And everywhere I tried to insure it, it came back as a commercial vehicle. In the end I had to insure with Lancaster as a classic vehicle on a strict mileage limitation with no NCB accruing. It was a nightmare. Luckily I got fed up with the unreliability and footwells filling up with water every time it rained so I got shot of it after a couple of years.
Lesson learned. Be very careful what you tell the b*stards.
Scandially
Well-Known Member
The whole world is built on the cheapest quote hence all the bridges and buildings fall down.
Watch out for road tax going up mind. At least it’s capped with a commercial vehicle.
No claims is a joke altogether. My wife’s car was crashed into when she wasn’t in it. The other car’s insurance paid for it and she still had higher premiums for five years. Ridiculous
Within five years I can see road tax for any diesel car being at least a grand a year.
They're scared of crashing the economy post-covid at the moment. But that won't last, especially when Boris has added another ten million to the population with his population drive.
Scandially
Well-Known Member
Its a No Claims policy not a No Blames policy.
Who is that for?
Scandially
Well-Known Member
You Shabz. If you claim it goes against you
The scoundrels put you down as accident prone.
The scoundrels put you down as accident prone.
My wife didn’t make a claim, the driver of the car that hit her car made a claim to pay for the damage they had done to her car. She had no influence on the event other than being parked in the wrong place at the wrong time.
Same thing happened to my wife. She was stationary at a junction and someone drove into her side because they were seemingly unable to drive around a corner. First the insurance company didn't want to force the other party to accept fault, but the other party accepted fault anyway (which was the honest thing to do). Next, the insurance premium went up despite my wife not doing anything wrong. At renewal time she told them to poke it.
Scandially
Well-Known Member
Some people are accident prone. It is a NO CLAIMS policy not a NO BLAMES policy.
Some claimants cause accidents just for the money.
Some claimants cause accidents just for the money.
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