Using your Landy for work - Insurance?

Trewey · May 13, 2009

I'm gonna be using me 90 for me handyman business, but I'm struggling to find insurance at a sensible price. A couple of brokers have said it can't be classified as a van and has to be insured as a car being used for business. This makes it much more expensive and won't cover the contents (tools etc).
The best quote I've got so far is £560! - I was only paying £180 for private use with all mods declared and an agreed value of £6500.
Is anyone else using their Landy for business? Who are you insured with and how much?

ratty · May 13, 2009

Treworgey 90 said:
I'm gonna be using me 90 for me handyman business, but I'm struggling to find insurance at a sensible price. A couple of brokers have said it can't be classified as a van and has to be insured as a car being used for business. This makes it much more expensive and won't cover the contents (tools etc).
The best quote I've got so far is £560! - I was only paying £180 for private use with all mods declared and an agreed value of £6500.
Is anyone else using their Landy for business? Who are you insured with and how much?

I got mine insured for business for both me and the missus. Mine includes towing vehicles. £250 fully comp with NFU

Pikey · May 13, 2009

I got class 1 business use on me 90 with Swinton cost £20 more than SD&P only.

Oddie · May 13, 2009

blimey! Mine's insured for business use fully comp and has just gone over £100. Not got agreed value, but still it's quite a difference! Just went through confused.com and there it was!

robint · May 13, 2009

i got mine insured with swinton and use it for the landscape industery ive just upgraded to fully comp,ed can carry all me own tools plus materials and covered for £300 and i can use it off road unlimited millage and anyones covered hwo works for me aswell plus i got trailer cover included

fanatic · May 13, 2009

nfu for me

90truckcab · May 13, 2009

flux direct

shinydiscoball · May 14, 2009

Treworgey 90 said:
I'm gonna be using me 90 for me handyman business, but I'm struggling to find insurance at a sensible price. A couple of brokers have said it can't be classified as a van and has to be insured as a car being used for business. This makes it much more expensive and won't cover the contents (tools etc).
The best quote I've got so far is £560! - I was only paying £180 for private use with all mods declared and an agreed value of £6500.
Is anyone else using their Landy for business? Who are you insured with and how much?

Is ur 90 a hardtop (blanksides) or Station Wagon? If its the hardtop surely to god it's a van, my s3 hardtop was insured as a van on business use when I was lopping and topping back in the day.

shinydiscoball · May 14, 2009

with the NFU btw

Beast o Bodmin · May 14, 2009

if yoyr remote from civilasation you are an easy target.20 miles from town and it starts going up etc....
After 3 months of digging the only company i could find for less than £301 was Flux.That is quite modded too with a tool value of 10k and chipper at 10k or trailer and contents 10k.They didnt charge me for the week when i had 20k tracked chipper on 5k new trailer on hire.
Flux are exellent to me after all these years im so glad to find some one that i can talk to about mods and they understand.

Trewey · May 14, 2009

Well, so far the only company that have talked any sense is NFU. They need to refer it to their underwriter, but they're giving me 65% NCD, even though it's a new policy. No one else offered that, the best any other company offered was 10% "Introductory discount".
Waiting for the figures to come through.

Optimus Prime · May 14, 2009

I'm with LV, and last august I paid £680, fully comp, with 4 years NCB, full business use for me, plus the wife for SDP. Specifically excludes any tools or equipment carried in the vehicle, based on an annual mileage of 25k.

However, did a quick search a while back, and it could be as low as £390, but that involves using firms you've never heard of.

baggyjim · May 15, 2009

Optimus Prime said:
I'm with LV, and last august I paid £680, fully comp, with 4 years NCB, full business use for me, plus the wife for SDP. Specifically excludes any tools or equipment carried in the vehicle, based on an annual mileage of 25k.

However, did a quick search a while back, and it could be as low as £390, but that involves using firms you've never heard of.

but most of them are still under written by a small selection of top companies

90boy · May 15, 2009

i am with flux as mine is a 90 van and as i am young its £400 with contents

baggyjim · May 16, 2009

Treworgey 90 said:
I'm gonna be using me 90 for me handyman business, but I'm struggling to find insurance at a sensible price. A couple of brokers have said it can't be classified as a van and has to be insured as a car being used for business. This makes it much more expensive and won't cover the contents (tools etc).
The best quote I've got so far is £560! - I was only paying £180 for private use with all mods declared and an agreed value of £6500.
Is anyone else using their Landy for business? Who are you insured with and how much?

ere trewey try driving it across the severn bridge and tell the toll peeps its a car and they will tell you its a van and charge you more, why do they class it as car for insurance and what does your v5 say it is

Trewey · May 16, 2009

V5 says it's a "Light Utility", whatever that means.

ratty · May 16, 2009

baggyjim said:
ere trewey try driving it across the severn bridge and tell the toll peeps its a car and they will tell you its a van and charge you more, why do they class it as car for insurance and what does your v5 say it is

with my previous landy I used to use the coin banks. Only had to pay car rates then.

With my new one it's classed as a car so I don't need to worry.

baggyjim · May 16, 2009

Treworgey 90 said:
V5 says it's a "Light Utility", whatever that means.

how many seats are stated, 3 means van 7 means car

Trewey · May 16, 2009

The number of seats bit on my V5 is blank.

baggyjim · May 16, 2009

Treworgey 90 said:
The number of seats bit on my V5 is blank.

just looked at my v5 reads same as yours:doh: my previous 90 had differant details so although it had windows in back was only marked as 3 seats so was a commercial so no probs wiyh insurance, would stick with nfu for your needs cos they do understand landys business etc

Using your Landy for work - Insurance?

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