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04 May 2009, 16:07
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#1
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Member
Country: UK - England
Town: Knutsford
Boat name: Red Jelly
Make: Narwhall 520
Length: 5m +
Engine: 1998 Mariner 75hp
Join Date: Dec 2008
Posts: 64
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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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04 May 2009, 16:42
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#2
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RIBnet admin team
Country: UK - England
Town: Swindon
Boat name: WhiteNoise/Dominator
Make: Ballistic 7.8/SR5.4
Length: 7m +
Engine: Opti 225/Yam 85
MMSI: 239050687/235055163
Join Date: Jul 2005
Posts: 8,591
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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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04 May 2009, 16:53
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#3
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Member
Country: UK - England
Town: Knutsford
Boat name: Red Jelly
Make: Narwhall 520
Length: 5m +
Engine: 1998 Mariner 75hp
Join Date: Dec 2008
Posts: 64
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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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04 May 2009, 17:01
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#4
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RIBnet supporter
Country: UK - England
Town: In the middle
Boat name: Déjà Vu
Length: 7m +
Engine: 15/250
Join Date: May 2006
Posts: 1,942
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Quote:
Originally Posted by Willbrooksy
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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Why not get something like an old Land Rover and insurance with the L R owners club, limited mileage etc
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04 May 2009, 18:41
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#5
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Member
Country: UK - England
Town: Knutsford
Boat name: Red Jelly
Make: Narwhall 520
Length: 5m +
Engine: 1998 Mariner 75hp
Join Date: Dec 2008
Posts: 64
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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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04 May 2009, 19:27
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#6
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Member
Country: UK - England
Town: Gloucestershire
Boat name: Pigs Ear
Make: Osprey Vipermax
Length: 7m +
Engine: Honda 225
MMSI: 235090881
Join Date: Dec 2006
Posts: 3,005
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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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Chris Stevens
Born fiddler
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04 May 2009, 20:10
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#7
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Member
Country: UK - Wales
Town: swansea
Boat name: Too Blue
Make: BLANK
Length: 8m +
Engine: Suzuki DT225
Join Date: Mar 2004
Posts: 12,775
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Quote:
Originally Posted by Willbrooksy
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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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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04 May 2009, 21:24
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#8
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Redbay supporter
Country: Ireland
Make: Quicksilver
Length: under 3m
Engine: Toohotsue 9.8 2T
Join Date: Feb 2008
Posts: 5,204
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Quote:
Originally Posted by Willbrooksy
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 !
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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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04 May 2009, 21:36
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#9
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Member
Country: UK - England
Boat name: llyn raider
Make: xs
Length: 7m +
Engine: 1 200hp merc
Join Date: Nov 2006
Posts: 154
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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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04 May 2009, 23:59
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#10
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Member
Country: UK - Wales
Town: swansea
Boat name: Too Blue
Make: BLANK
Length: 8m +
Engine: Suzuki DT225
Join Date: Mar 2004
Posts: 12,775
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NFU are great for non farmers as well........
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