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Badger110



Member Since: 06 Feb 2018
Location: Marldon
Posts: 30

United Kingdom 2011 Defender 110 Puma 2.4 USW Buckingham Blue
Commercial ( or van ) insurance

I drive a van daily and have another with a seperate insurance as well as 7 years ncb on the first one.

When i came to insure my newly purchased USW 2011 110, i was getting silly quotes as i only had 1 years ncb on a car insurance.

I switched the USW to a van insurance quote with domestic use only and it over halved the amount. Now i can't carry over the 7 years ncb from my works van, but when filling out a quote it asked if i had any ncb on any other vehicle, which i have. However it never asked for proof Whistle ( but i do have it, should it be questioned Wink )

This won't be helpful to everyone, but if you do have commercial insurance on a vehicle and are looking for insurance on your Landy, it may be worth looking at a commercial ( or van insurance as they are online ) insurance.

Mine went from £549 comp to £232 comp by using a commercial insurance quote with domestic use only.

Post #685685 10th Feb 2018 10:49pm
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Swine&Small



Member Since: 20 Mar 2017
Location: Norfolk
Posts: 477

United Kingdom 2015 Defender 90 Puma 2.2 Landmark LE Montalcino Red

Hello Badger
That's interesting. I will remember that when my next renewal arrives.
Thanks for the tip
Regards Swine Thumbs Up 2015 Defender 90"
1950 Series one 80"
1967 Morris Traveller
2012 VW T5 Camper
Quod Abundat Non Obstat.

Post #685694 11th Feb 2018 12:18am
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the gamekeeper



Member Since: 01 Jan 2010
Location: Surrey
Posts: 55

England 2007 Defender 110 Puma 2.4 DCPU Tonga Green

Badger,
Will that cover you for towing, and what other exclusions will this include?

Post #685713 11th Feb 2018 8:47am
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Badger110



Member Since: 06 Feb 2018
Location: Marldon
Posts: 30

United Kingdom 2011 Defender 110 Puma 2.4 USW Buckingham Blue

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!

Post #685725 11th Feb 2018 10:00am
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doublea



Member Since: 12 Jul 2011
Location: Aberdeenshire
Posts: 286

Scotland 2015 Defender 110 Puma 2.2 USW Keswick Green

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 keeping forever/painting Atlantic Green
2003 BMW F650 the Hack
2000 Elise
1992 Ducati 888 (still in bits but soon to be st4s powered)

Post #685740 11th Feb 2018 10:46am
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JR



Member Since: 07 Dec 2012
Location: Auchtermuchty
Posts: 482

Scotland 1984 Defender 90 200 Tdi SW Coniston Green

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!

Post #686021 12th Feb 2018 12:16pm
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Sammie



Member Since: 17 Feb 2018
Location: Edinburg
Posts: 1

United Kingdom 

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.

Post #687183 17th Feb 2018 12:34pm
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Mash



Member Since: 09 Feb 2015
Location: Where ever HRH feels I'm best placed
Posts: 1211

Guernsey 1998 Defender 90 300 Tdi HT Nato Green

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 Thumbs Up 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
D3 Hse - Fiona
Capri 2l S - Anna

Think I might have a problem............

Post #687283 17th Feb 2018 9:34pm
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Badger110



Member Since: 06 Feb 2018
Location: Marldon
Posts: 30

United Kingdom 2011 Defender 110 Puma 2.4 USW Buckingham Blue

Quote:
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 Thumbs Up


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 Wink

Post #687313 17th Feb 2018 11:55pm
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familymad



Member Since: 13 Dec 2011
Location: Bucks
Posts: 2394

2016 Defender 130 Puma 2.2 HCPU Santorini Black

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. 2012 130 DCPU
1951 80" S1
1958 88" S2

Post #687364 18th Feb 2018 1:12pm
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