Discuss Electricians Van Insurance - Past renewal price? in the Insurance for Electricians area at ElectrciansForums.co.uk.

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  1. grantr37
    Offline

    grantr37 Trusted Advisor

    Location:
    Glasgow
    Third party insurance is trouble waiting to happen from what I've been told.....and it's getting phased out as well from what was said....
     
  2. SirKit Breaker
    Offline

    SirKit Breaker Guest

    Young driver and Insurance in the same sentence is always going to hurt, even more so when it is a van due to the preconceptions (often correct) of van drivers, not my van so i will drive it like ive nicked it, and give way to no one.
     
  3. brucelee
    Offline

    brucelee Trusted Advisor

    Location:
    leigh,lancashire
    Yes young drivers will get hit hardest
    some due to young drivers probably making more claims more risk
    some is because of all the people scamming whip lash claims and crash for cash claims and the companies that claim for them taking a cut

    If you lose your job it wil cost more if you become disabled it costs more
    wether you hae no claims or 17 yrs no claims protected they still sting you when they can for any reason at all jsut keep shopping about but if your getting the van tomorrow then not much time to search

    £2k is having a laugh
     
  4. grantr37
    Offline

    grantr37 Trusted Advisor

    Location:
    Glasgow
    you shouldn't have told them that you already bought the van as they knew from then that they had you between a rock and a hard place...you are better to ask for a price before you have the keys for a vehicle so that they know you have the option to do without/wait/shop around....then you can haggle a bit.....that's why a lot of online comparison pages won't give you a quote unless you feed them number plates and ownership details...

    ask your bank what small business insurance they do that can have a van added onto it...
     
  5. cotty
    Offline

    cotty Guest

    Try CLEGG GIFFORD very good for multi vehicle insurance.

    I used them in the past to insure Vauxhall Omega 2.5V6,Citroen Xsara Picasso 2.0HDI they did both those for £1100 and then said they'd put the Old Alfa 145 Cloverleaf on for an extra £300.

    I also had a named driver and policy was fully comp protected.

    I only drive one vehicle at the minute and single so can't use them but I'll deffinately go back in future.

    Seems the more vehicles you insure with them the better,they won't be beaten on price.

    Admiral quoted me £1400 just for the Omega and a further £900 for the Picasso,so they were more than double the price.

    Hope this helps
     
  6. nelsonbaz
    Offline

    nelsonbaz New EF Member

    i have ours insured with nfu. not all of them will insure vans
     
  7. KoFi
    Offline

    KoFi Electrician's Arms

    Location:
    YORKSHIRE
    my son (23) is on My van insurance but to expensive to add daughter 21yrs driving since 17yrs
     
  8. Akina
    Offline

    Akina Guest

    I'd recommend trying aviva. They've been the cheapest for me on my car and van that I drive. I'm 19 and the price is reasonable.
     
  9. SparkyJoe
    Offline

    SparkyJoe Electrician's Arms

    Location:
    A, A
    Went with Adrian flux, have been the cheapest for me, last few years.
     
  10. Dan
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    Dan I'm not a sparky but I know a couple ;-) Staff Member

    Location:
    Staffordshire
    This type of thread becomes handy on the other forums so I thought I'd post it here too. Not sure if we've done it before, but it's okay I guess as a bit of an update wouldn't go a miss due to insurance firms changing their pricing so often.

    What was your last renewal quote and what quote did you go for if you shopped around?
    What was the cover for? (tools covered?, off-road parking? etc)
    What van was it covering?

    Any other details that might have changed your price for the better?

    Feel free to link to websites and contact details of the firms you went for, especially if they're not easily found small firms.
     
  11. JakeAlexSimpson
    Offline

    JakeAlexSimpson EF Member

    Location:
    Doncaster
    Currently getting quoted £1,800 on any van on money supermarket.com, when I ring up it is no where near that figure.

    Aged 18 right now, but searching as if 19 (when I'll be getting a van) and with 2 years no claim.
    I know that everyone will say young driver and more likely to have an accident so its our own faults.
    Honestly don't believe its fair for the responsible people my age, who just want a van to earn extra money.

    Any tips at all guys?
     
  12. Hellmooth
    Offline

    Hellmooth Electrician's Arms

    Location:
    Livingston
    Business Name:
    CM Electrical
    Bicycle
     
  13. Hellmooth
    Offline

    Hellmooth Electrician's Arms

    Location:
    Livingston
    Business Name:
    CM Electrical
    Kidding, it's the nature of the beast! Can't you get on parents or boss's insurance? There's loads of threads on here that will point you in the right direction!
     
  14. Paul.M
    Offline

    Paul.M Trusted Advisor

    Location:
    Lost in Space
    Jake, car/van insurers are glorified book makers. Only difference is that you pay your money and bet against yourself for not having an accident!

    A very good percentage of fault claims against insurance companies are from young drivers (<25) or inexperienced drivers (<4 years). No way out of it mate unless you sign up with one of the few companies that have sat nav installed in your car/van to monitor your driving actions to adjust your premiums.

    I've paid £1840 for this year after a fault accident and losing my NCB, plus living in a high crime rate area for car crime. I used to work for one the THEEEE biggest companies in the UK on the claims side of things (yes, I was the nasty man at the end of the phone saying why we are not paying out for your claim!! it was a job,,, a long time ago). No way of getting around it unless you are dishonest about your application (not advisable, guess what I did for a living/wage... most do not win when they need to claim).

    Shop around, get the best quote, be truthful, pay monthly and start driving your own van. Build up your NCB and pay less the following year.
    Over a barrel???? Yes and there is no easy way around it.
     
    • Like Like x 1
  15. DuaneMHunt1976
    Offline

    DuaneMHunt1976 Electrician's Arms

    Location:
    Newark On Trent
    Being 18 is fined when it comes to.insurance
    I know for.normal driving insurance.if I put someone on it, mother who can't drive my car due to it being so low down
    But it did drop.my insurance

    Job title is another thingz so I hear, If you put rock star or man City player it goes right up
     
  16. Brightspark2
    Offline

    Brightspark2 Electrician's Arms

    Location:
    North West
    Try putting someone older on the quote as a named driver, preferably a women .

    Where have you said you are parking it?

    Please note this is named driver not main driver.
     
    • Like Like x 1
  17. Barry White
    Offline

    Barry White Guest

    Make up a fake quote on moneysupermarket (just for a trial) put in van details but omit registration plate put address as another number in your street and any name with your dob and any no claims you have. Once you have the profile setup try adding NAMED DRIVERS WHO LIVE WITH YOU one at a time and recalcuate the quote noting the best result its trial and error.
    once you get the quote retry another quote with the same criteria BUT with all your correct details dont forget the van needs business insurance and dont lie about milage or where its kept etc or other details to get a lower quote as it will void the polecy.

    Did this for my son and got good quotes the only reason for the "fake details" is they store all quotes. Sons quote was better with me on this year and his mum last year increased by £30 with us both on ???
     
    Last edited by a moderator: Aug 6, 2015
  18. Dan
    Offline

    Dan I'm not a sparky but I know a couple ;-) Staff Member

    Location:
    Staffordshire
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