Van insurance
#1
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Van insurance
If i bought a van would it have to be insured under business use or could it be insured under personal use?
Cheers
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#3
Hi Chief,
A van can usually only be covered under a commercial policy if you are employed within a trade or operate your own business and thus use it for business purposes - this also often applies to pick-up's.
You can obtain cover for a Van (or pick-up) upon a personal use policy without a problem, but this is a limited market and some underwriters will only entertain upon referral with a reason being requested as to why a commercial vehicle was purchased for personal use (ie. fishing, dog transport, home renovation).
Hope this helps.
Kind regards
Tony
A van can usually only be covered under a commercial policy if you are employed within a trade or operate your own business and thus use it for business purposes - this also often applies to pick-up's.
You can obtain cover for a Van (or pick-up) upon a personal use policy without a problem, but this is a limited market and some underwriters will only entertain upon referral with a reason being requested as to why a commercial vehicle was purchased for personal use (ie. fishing, dog transport, home renovation).
Hope this helps.
Kind regards
Tony
#4
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Cheers for the reply Tony much appreciated.
would i be better off just making a company up i.e. Acme s**t shifters
rather than trying to fart about having it under a personal policy.
cheers
would i be better off just making a company up i.e. Acme s**t shifters
rather than trying to fart about having it under a personal policy.
cheers
#5
Originally Posted by The Chief
would i be better off just making a company up i.e. Acme s**t shifters
rather than trying to fart about having it under a personal policy.
rather than trying to fart about having it under a personal policy.
It shouldn't be a problem covering your van on a personal policy and i'm sure that you won't have to go to such extremes.
With regard to making up details, I wouldnt recommend it even with innocent motives as most Underwriters rate wholly upon the information supplied and will take a very dim view of ficticious details - it may even invalidate your policy.
We dont generally offer cover for vans, but if you're absolutely stuck i'll see what we can do to help.
Kind regards
Tony
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