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Old 20 September 2011, 11:12   #1
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2nd Car (towing vehicle) insurance

Hi all, many appologies if this topic has been covered but I wish to raise the subject again.

I have a small car, (suzuki swift) for which I receive a car allowance for from the company I work for, I do a lot of miles and the swift is very economical, I also get a fuel card.
I have strict rules with what I am allowed to use hence the small cheap as possible runaround.

I need another vehicle to shift that big lump around that is sat on my drive.
I used to have a Isuzu Trooper which was great and before that a Nissan Navara which I loved to bits, (litterally).

Can anyone advise on the best way to insure a second vehicle for towing.
As this will be a second vehicle I cannot use my no claims bonus.
I am not really fussy about the vehicle (it will have to be cheap but reliable and at least 2.5 litre, preferably diesel).
I was thinking about a classic (good on the insurance), but the reliability thing creeps up.
I am edging along the lines of a transit type van or another trooper.
What are your thoughts on how to insure this vehicle?

Thanks

Lee
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Old 20 September 2011, 11:24   #2
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A transit wouldn't be great for launching unless you have good slips!
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Old 20 September 2011, 11:36   #3
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An older Land Rover Defender - if it's 15 years old or more then you'll be on classic insurance, fully comp, agreed value at under 150 a year. I won't go into specifics here (check any of the numerous Landy forums) but a early 200 or 300Tdi will be fine (or even a 2.5 NA if you don't want to go too far too often - ignore the 2.5 Turbo), check the chassis/X-member/bulkhead for corrosion and gearbox and engine for excessive wear - other than that they are reliable as can be if looked after and cheap as chips to fix with a bag of spanners if they do go wrong.
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Old 20 September 2011, 11:47   #4
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Quote:
Originally Posted by Zagato View Post
A transit wouldn't be great for launching unless you have good slips!
Seems to be a reasonably popular choice of tow vehicle for divers from what I've seen. You can manage most slips with common sense and a long rope.

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An older Land Rover Defender - if it's 15 years old or more then you'll be on classic insurance, fully comp, agreed value at under 150 a year. ....
Ignoring the inevitable argument about whether landy's are actually as good as people think - is it fair to say they attract a "premium" because they have a certain appeal?
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Old 20 September 2011, 12:16   #5
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Seems to be a reasonably popular choice of tow vehicle for divers from what I've seen.
and pikeys!
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Old 20 September 2011, 13:46   #6
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I have only ever used a transit in 10 years. Further more it is a Rwd version aswell. As mentioned. common sence and sometimes a good rope.
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Old 20 September 2011, 13:58   #7
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Without wanting to cause any debate but I'd have thought you would get stopped quite a bit more in a Transit van towing a Rib so just make sure your brakes are working as they should!

Assuming it's a plain white/blue one that is!

Peter ~ Boatsandoutboards4sale ~ askboatsandoutboards4sale@sky.com ~ 07930 421007
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Old 20 September 2011, 14:19   #8
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When I went from one car to two I also faced the problem of only having one no claims bonus to use.
I went with an Admiral multi-car policy in the end as they were already the cheapest on the car I already had but would allow me to mirror the no claims bonus on that to another car insured with them too.
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Old 21 September 2011, 05:14   #9
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I insured my car with Admiral and they are ok.
Even took into account my company car no claims as well as older no claims bonus that I had on my range rover with them.

PS the rangie we a good towing vehicle but did need some looking after and tlc.
I rebuilt the engine and it never put a foot wrong. ( pervious engine ripped it self to bits as the muppet who I got it off didnt do up some oil pipes/cooler/filter and the wrong engine. brought as a 3.9 but was actually a 3.5 and this was a rangie garrage so he gave me a 3.9...long story)

I would have another one. It was on LPG also.

I have in the past ran 2 cars of my own and had the same NCD on both insurance companys without issues from either companys.
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Old 21 September 2011, 05:30   #10
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Quote:
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Ignoring the inevitable argument about whether landy's are actually as good as people think - is it fair to say they attract a "premium" because they have a certain appeal?
How do you mean Polwart - a premium as in increased cost? Not sure what a 'new' Defender would cost to insure but generally older utility Landys are very reasonable to insure and low cost - my '98 300Tdi 110 CSW is around 200 a year fully comp on my Admiral multi car policy, my 1986 'classic' Ninety Landy is around 125 fully comp/agreed value.
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