110 Insurance

Just insured my 89' 110 van conversion for £86.25 with Lancaster. Declared wider tyres and arches, roof rack and tow bar.

£86.25... all in fully comp'd... beyond chuffed

Habibi, I am beyond envious! I'm looking to insure a 2001 hi-cap as a commercial for a new business. I'm 24 and only have 1yrs NCB so I thought it'd be pricey, but I can't find anything under a grand for fully comp.

I've tried Lancaster and NFU, both of whom told me to come back when I'd grown up. Footman James won't take it as it's too new, Adrian Flux were cheapish but nothing special, price comparison sites come back with nothing lower than £1,500, Sureterm wanted £5,000 (ha ha), and a host of others said they'd 'ring me back'.

Seeing how cheap some people on here have managed to get Landy insurance, I can't help feeling I'm missing something. Anyone any ideas?

Ok, I'm forty and I've 9yrs NCB,

Here is what I told them:

I limited my mileage to 6000m,
Vehicle in a locked garaged overnight,
Thatcham immobiliser,
I have access to another vehicle,
2 vehicles in the household.
Member of a vehicle club, LAndRover owners Series/90/110 Club.. denotes you care about your vehicle more than your average mondeo owner I guess.
Only me driving it.

I checked on Insurance: Cheapest Car, Home, Travel, Van, Bike, Dental, Loan, Mortgage Insurance & more and they've got some really good tips.

What's the business, are you a beer guzzling hod-carrier or librarian etc..

If your vehicles sign written then some insurers feel that this will encourage you to drive better because you're representing a company/yourself.

Sign up for that 'is this vehicle driven well sticker', contact them here: RoadSafe

I asked for fully comp because this demonstrates responsibility somehow!

If it's a start up you get big tax breaks for being new, how formal is it? One policy for social,domestic. and another limited mileage for the business from separate insurers maybe.

I'll be honest, my answers were 'open to interpretation' but nothing dishonest.

Keep trying, how about a local small business association/insurance brokers, they're working for themselves and like beating the big firms.

3rd party for a year then upgrade.

Maybe include a second named driver with a big NCB on their history, the average will still be less than you on your own?

Definitely check out MoneySavingExpert.com ins section.

And good luck, if you're doing a good thing then it will work out, keep going.

With the recession in full swing these firms have to compete or they go under, buyers market, follow up your calls politely and insist on the best.

If you've driven for a previous employer on their insurance then some firms will accept this towards your NCB, that's where my bonus came from, you need a covering letter, all I sent them was a headed letter from my boss stating that I'd driven for him for x yrs without incident. They didn't even ring him to confirm.

And your postcode can make a huge difference.

Thanks for the suggestions Habibi! I'm in forestry and looking to set up as a woodland management contractor/green wood worker. I've just finished a three year apprenticeship and I'm hoping I can make something of it; it's just really dispiriting being faced with such chunks of money right at the start.

I'll check things out at the start of next week and see if I can find anything better than my current offer; I'm sure your advice will come in handy.