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Old 04 May 2009, 11:07   #1
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Towing Vehicle insurance

Hi Guys, Keen ribster needs help!

Were about to buy a vehicle specifially for launching the RIB's and although the 4x4 isnt the problem, We cant find any insurance!

The big issue is i'm 18, and were looking for insurace for upto a 3.0 V6 Shogun and as you can imagine...insurance wont be interested! Anyone got any names of company's who maybe able to help or any or any alternative's! Long shot but are there any insurance brokers who will do me a deal ?

As i said i'm 18, had my drivers license for a year with no incidents but im not earning an NCB, Mum and dad have got 9yrs ish NCB, the car will do little over 500 miles a year, under 3rd Party cover with a value of 0, mainly off road mileage and i dont want to pay 1000's for insurance!

Thanks
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Old 04 May 2009, 11:42   #2
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Does it have to be something as big as a 3.0 V6 shogun? You'd be surprised at what a normal family estate car is legally allowed to tow. You could probably tow the boat in your sig without a problem using an old escort van-though it'd be slow. (note, I don't know this is definitely true as I don't have access to the figure necessary on the van or your boat)
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Old 04 May 2009, 11:53   #3
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We quite happily tow that boat with a 1.8l mondeo, let alone a 1.4l rover lol!

The 4x4 is for dragging the boat up and down the beaches and playing in. For any longer journeys I do it with the mondeo. The mondeo doesnt struggle with our small boat, but when I'm trying launching 7m+ delta's or 6m ribcrafts the mondeo isnt very succesful! The 4x4 is also to keep the rest of the cars (mine, dads etc) off the beach and in better condition as mine just failed the MOT for salt water related issues!

Anyone know anything about commercial towing insurance ?

Cheers
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Old 04 May 2009, 12:01   #4
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Originally Posted by Willbrooksy View Post
We quite happily tow that boat with a 1.8l mondeo, let alone a 1.4l rover lol!

The 4x4 is for dragging the boat up and down the beaches and playing in. For any longer journeys I do it with the mondeo. The mondeo doesnt struggle with our small boat, but when I'm trying launching 7m+ delta's or 6m ribcrafts the mondeo isnt very succesful! The 4x4 is also to keep the rest of the cars (mine, dads etc) off the beach and in better condition as mine just failed the MOT for salt water related issues!

Anyone know anything about commercial towing insurance ?

Cheers
Why not get something like an old Land Rover and insurance with the L R owners club, limited mileage etc
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Old 04 May 2009, 13:41   #5
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Good idea.... going to look into it now! Land rovers from light research are too expensive, Landrovers start at 3k and i'm looking to spend more like 500!

They are also not big enough lol, I want to be towering above the land rovers in a big fat thing lol which is still very comfortable !

Anyone know any daily insurance companies open to 18 year old drivers or any fully comp long term deal's that can have 18 year old driving on that policy type thing!
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Old 04 May 2009, 14:27   #6
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Try the NFU (National Farmers Union) I have always used them for 4x4 insurance and they are pretty reasonable.
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Old 04 May 2009, 15:10   #7
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Originally Posted by Willbrooksy View Post
Good idea.... going to look into it now! Land rovers from light research are too expensive, Landrovers start at 3k and i'm looking to spend more like 500!

They are also not big enough lol, I want to be towering above the land rovers in a big fat thing lol which is still very comfortable !

Anyone know any daily insurance companies open to 18 year old drivers or any fully comp long term deal's that can have 18 year old driving on that policy type thing!
A Defender 110 makes a Jap 4x4 look like a toy. As standard I can get my knee under the sill on a 110 - a Shogun comes up to my shin!!!

You can get a V8 Discovery from 500 - and no worse on fuel than the V6 shogun either.
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Old 04 May 2009, 16:24   #8
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They are also not big enough lol, I want to be towering above the land rovers in a big fat thing lol which is still very comfortable !
Hmmm, I'm "drawing 2.2m positive at the stern" of my Defender. If you want to tower in a "jap" (nicely put C-P, btw), you're gonna have to buy a Hitachi tracked excavator or get Bogib's mates to spend 10k on it first.
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Old 04 May 2009, 16:36   #9
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Hi i learnt in a disco 300tdi 2 1/2 yrs ago and was insured for 750 with NFU and that wasnt limited milage. it might have helped that my house has farm in the name though. and discos are cheap as chips and can be fixed with hammers! would imagine it might be cheaper having passed, limited milage, 3rd party + set a v high excess and always call them! as if you get some one usefull they will make it as cheap as possible for you putting in all the little things that can make it cheaper by a few quid.
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Old 04 May 2009, 18:59   #10
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NFU are great for non farmers as well........
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