Insurance, again!

[Tim M]

After my trusty disco died on me recently (god rest her soul) I'm looking at getting a Navara. I've rung a couple of Insurance companies (Norwich Union and Direct line) and both told me its a commercial vehicle not a car. Fair enough. They both quoted me; £1700 and £1500 respectively, and thats with £650 excess. I nearly had a heart attack. Can anyone recommend somewhere that specialises in commercial policies that might be a tad cheaper? It's funny as my van is with Norwich Union and the insurance on that is cheap as chip.

[Nasher]

Tim

I think the problem with the Navara is the 'Nickability' of it, which goes with its popularity.

Do you really want to limit your towing capacity?
It's in the region of 2.4 - 2.5tns, which is @ 1tn less than your Disco.
You are also I believe limiting your max speed on certain roads to 60mph not 70.

I've been with Priviledge for years now as nobody ever beats their renewal quote on my Shogun.

Nasher.

[Tim M]

2700kg apparently. I'm not really too worried about that as I can't see my self towing anything that heavy. Both of my boats are well within that, and if I did end up with anything bigger I could still use the Navara to pull it out at the Camber slip for maintenance/scrubbing etc. I've seen photos of a Navara towing a big Quinquari Humber - that must have been well over weight (although shows it must be reasonable on a slipway). I'm sure Jimbo wouldn't mind me stealing his Disco for the occasional trip!

[Doug Stormforce]

Originally Posted by Tim M

I'm sure Jimbo wouldn't mind me stealing his Disco for the occasional trip!

Didn't know Jimbo had anything with an engine that actually worked

[Tim M]

With regards the 60mph thing. It's odd; when I rang Norwich Union they originally didn't have a problem with it being a car. When I said I wanted business use on it it became a commercial vehicle. A Ford Fiesta doesn't become a commercial vehicle when you add business insurance onto it. So, would the police actually pull you over doing 70? Surly you could claim its just a car with business use on the insurance.

[codprawn]

Try the NFU for insurance - they save me a fortune!!!

[Tim M]

Tried Tesco compare - best one was just over £1k for a commercial policy. Thats more like it! That says its still day-light robbery.

[Nos4r2]

What model Navara where you thinking of?

[Polwart]

Originally Posted by Tim M

So, would the police actually pull you over doing 70? Surly you could claim its just a car with business use on the insurance.

no - its a van - you don't decide that the DVLC/manufacturer/EU does.

How you register it, use it, insure it makes no difference to the speed limit.

Does the average copper realise its not a car - no. But when did you last see an average copper pull someone for speeding, either its automated cameras (and for example mobile cameras on bridges with ANPR will "know" the limit for your vehicle) or a traffic officer - who may know the rules.

[Tim M]

That's a valid point about a "clever" speed camera knowing. Has anyone ever heard though of a pickup being done for being 10mph over the car limit? Am I right in saying it's just dual carriageways wheres its 60 for a van?

Nos. I'm looking at the D40 with the truck top thing that goes on the back.