Motor Insurance

[theoloyla]

Following a recent thread which I hi-jacked: whether you drive a van, car or car and trailer combination does your motor insurance provider cover you for business use?

[Shaun]

whether you drive a van, car or car and trailer combination does your motor insurance provider cover you for business use?

Yes, my van is covered for business use.

[theoloyla]

Yes, my van is covered for business use.
Blimey that was a quick response!:eek: Dont forget to vote.:)

[Shaun]

Voted. :approve:

[JAMdisco]

I'm fully covered (wasn't until about 6 months ago though) :o
Still had to think about it as it cost me a small fortune (I also have 6 points :o )

[Spirits High]

I'm covered for business use.

That reminds me it's renewal time this month..........oh great!

[ppentertainments]

Business use - not worth the risk. It only cost me an extra £6 a year.

[soundtracker]

Business use, occupation given as mobile DJ/Disco

[Daryll]

Same here.

Business use for the land rover.

Daryll

[ppentertainments]

Business use, occupation given as mobile DJ/Disco

They don't half hike the price when declaring you are a DJ. A lot would not give me a quote.

[JAMdisco]

They don't half hike the price when declaring you are a DJ. A lot would not give me a quote.

I found a similar thing when applying online, as soon as the business use comes up, they won't quote online, they say you need to ring them :(

[edit] I will be interesting to see how many people vote as uninsured or social domestic & pleasure? i.e. voting as 'I'm breaking the law'

[theoloyla]

That used to be my experience too.

[One Vision]

Yes definitely get full cover, although mine is for business use its more quoted towards the computer repair side so covers customers computers and retail parts etc. don't know whether it would be a good move also mentioning I also do discos?

[pulsemobiledisco]

Car and trailer insured for business use, third party only on the trailer. Im 24 and it only added an extra £120 to the policy, well worth it for the peice of mind, and it's only half a disco's work!

I'm with Admiral and have found them to be the chepest - 3 years NC and no points helps!

[JDB Entertainment]

Fully insured and cost me £1600 this year for my van. It went up by £400 when i changed from an astra van to a brand new peugeot expert van!

[Solitaire Events Ltd]

I wonder how many people that voted are telling the truth.....

[Ajaysdisco]

Fully insured with the car and as far as I know the trailer is covered, I will have to double check.
When I asked them they said it didn’t need to be noted on the policy. :confused:



Fully insured and cost me £1600 this year for my van. It went up by £400 when i changed from an astra van to a brand new peugeot expert van!


James, I don’t know your age but I think that’s a little steep.

[Solitaire Events Ltd]

James, I don’t know your age but I think that’s a little steep.

How can you make that comment when you don't know how many years no claims etc etc?

[PropellerHeadCase]

With no DJing for the foreseeable future - and only one under my belt - I'm holding off for a bit, insurance cost me enough with a foreign license as it was.

[Ajaysdisco]

How can you make that comment when you don't know how many years no claims etc etc?

True but its still a lot, anyway back on topic

[Solitaire Events Ltd]

True but its still a lot, anyway back on topic

We are still talking about motor insurance, so we haven't gone off topic as far as I'm aware!

[Ajaysdisco]

We are still talking about motor insurance, so we haven't gone off topic as far as I'm aware!

There is a famous saying “When in hole….

So I’m going to shut up now before I get any deeper! :o

[nigelwright7557]

Following a recent thread which I hi-jacked: whether you drive a van, car or car and trailer combination does your motor insurance provider cover you for business use?

My insurance covers me for 3 businesses !
DJ, Carer and software/electronics engineer.

[soundtracker]

I wonder how many people that voted are telling the truth.....

Please sir! I am!

[Falling Frog]

Yup I have full business insurance on my car, and occupation is Sound Engineer - as it is! Only 22 and don't think it is too bad price wise, got mine up this month and cheapest renewal so far is £500!

[Peter Lockwood]

i have put down deing a dj as my main job for over 4 years now at the moment its 450quid with quin fully comp on a 2001 ducato

[Dillmiester]

Am I right in saying that the added premium to pay for vehicle insurance in these circumstances is due to a higher risk that your vehicle may be broken into or stolen whilst in busines use.
Is there any other risk that this added premium covers?

[theoloyla]

I wonder how many people that voted are telling the truth.....


Darren! Nobody on this forum ever lies do they?:eek: :confused: :)

[Shaun]

Am I right in saying that the added premium to pay for vehicle insurance in these circumstances is due to a higher risk that your vehicle may be broken into or stolen whilst in busines use.
Is there any other risk that this added premium covers?

I would presume so. The fact that we're driving home late at night after long hours could be a contributing factor too. I know how tired I am during long drives in the wee hours of the morning.

[Penfold42]

Full cover here....yes I am telling the truth. :)

[mikeee]

Renewed mine last week. Have been with Norwich Union for 11 years, the renewal this year came in at £255.00 so had a look around via various comparision web sites and some of the price were silly money - RAC £122.00, but when you look closely it's another £20 for legal cover, then £25.00 for no claims protection so on and so forth, ended up with a bill for £205.00 all in including europian cover, and they list Mobile Disc Jockey, so no lying and the company that does such a great deal..................SAGA!!!! The joys of being the wrong side of 50 :)

[Sapphire Disco]

..................SAGA!!!! The joys of being the wrong side of 50

Yes I'm quite annoyed they have started sending me letters now :-(

[mikeee]

..................SAGA!!!! The joys of being the wrong side of 50

Yes I'm quite annoyed they have started sending me letters now :-(

Why? It's nice to know that now your over 50, someone still wants to write to you :D

[theoloyla]

I would presume so. The fact that we're driving home late at night after long hours could be a contributing factor too. I know how tired I am during long drives in the wee hours of the morning.

I was once told that we were more likely to carry celebrities in our vehicles and their claims would be higher. What twaddle. Personally I think that many years ago they lumped us in with other entertainers who do have a ppor claims record and they have never bothered to review it. I think it is fair to expect a higher premium if you have a bad history but at one time I was on a 100% loading and then maximum no claims bonus. It just didnt seem right.

[Spirits High]

Renewed mine this week for my 08 Audi A4 avant s line

Elephant wanted £428 for the usual fully comp, protected no claim, business use etc

Run it through a few on line comparison sites best deal came out to £295 :eek: with More>than

Same terms as the current policy except for the excess is £50 more ;)

That'll dingley do for me :D :D

[theoloyla]

Renewed mine last week. Have been with Norwich Union for 11 years, the renewal this year came in at £255.00 so had a look around via various comparision web sites and some of the price were silly money - RAC £122.00, but when you look closely it's another £20 for legal cover, then £25.00 for no claims protection so on and so forth, ended up with a bill for £205.00 all in including europian cover, and they list Mobile Disc Jockey, so no lying and the company that does such a great deal..................SAGA!!!! The joys of being the wrong side of 50 :)

Interesting I noted that some of the posters had said that they described their occupation as something other than dj.

[Vectis]

Renewed mine this week for my 08 Audi A4 avant s line

Elephant wanted £428 for the usual fully comp, protected no claim, business use etc

Run it through a few on line comparison sites best deal came out to £295 :eek: with More>than

Same terms as the current policy except for the excess is £50 more ;)

That'll dingley do for me :D :D

I hope you ran the same quote via www.quidco.com and took advantage of the £65 cashback? ;)

[Andy Westcott]

I'm correctly insured, but as I use a van I'd be a bit silly going for just SDP.

[One Vision]

Interesting I noted that some of the posters had said that they described their occupation as something other than dj.

Hya Theo, my transport is already insured for business use due to my day job.

[Solitaire Events Ltd]

Hya Theo, my transport is already insured for business use due to my day job.

So it's not insured for disco use then? I'd check if I was you Karl. You could be on shaky ground there if you had to claim.

[Tom]

..................SAGA!!!! The joys of being the wrong side of 50

Yes I'm quite annoyed they have started sending me letters now :-(


You need to be carefull. You might geting applications for Axa Sunlife plan :eek: :sofa: JOKE :)

[yourdj]

Try getting insurance for a subaru impreza and then saying your a mobile DJ? Have not done it but i would imagine it would be quite allot. my trailer is insured though. as long as no one takes it off the car. LOL

[ppentertainments]

Try getting insurance for a subaru impreza and then saying your a mobile DJ? Have not done it but i would imagine it would be quite allot. my trailer is insured though. as long as no one takes it off the car. LOL

Would be a nightmare - our family car is a MGZS with the 2.5 v6 engine. Most companies would not even entertain. I have put down am a photographer and not mentioned DJ. I never use it for discos but would of liked it properly insured 'just in case'. Disco vehicle is fully insured for disco business though.

[Tom]

Try getting insurance for a subaru impreza and then saying your a mobile DJ? Have not done it but i would imagine it would be quite allot. my trailer is insured though. as long as no one takes it off the car. LOL


I am having the same problem but with my focus. They dumped an extra £1000 on for buisnes use because I would be driving out at night because I might be a boy racer. Errr....no. When I'm lugging my rather expensive gear about I do take extra care when driving. leaving more space than usuall as in bigger braking distance and taking speed hump at 5mph.

[Vectis]

an extra £1000

Ouch!

My entire van insurance (yes, for disco use :p ) with top-of-the-range breakdown cover is £118 this year. That's fully comp with all the bells & whistles too.

Well after a £70 cashback from Quidco it was anyway.

But even so, less than £200 all in ... bargain :beer1: :beer1: :beer1:

[Tom]

Ouch!

My entire van insurance (yes, for disco use :p ) with top-of-the-range breakdown cover is £118 this year. That's fully comp with all the bells & whistles too.

Well after a £70 cashback from Quidco it was anyway.

But even so, less than £200 all in ... bargain :beer1: :beer1: :beer1:


I know, tell me about it but then again you are 20 years older than me (sorry to rub it in, lol) with more driving experaince under your belt and quite a few years ncb aswell. :)

[Solitaire Events Ltd]

Ouch!

My entire van insurance (yes, for disco use :p ) with top-of-the-range breakdown cover is £118 this year. That's fully comp with all the bells & whistles too.

Well after a £70 cashback from Quidco it was anyway.

But even so, less than £200 all in ... bargain :beer1: :beer1: :beer1:

I assume that is because of your area? Unless you have a £50 van? :p

[Vectis]

I assume that is because of your area? Unless you have a £50 van? :p

Probably and, er, yes :)

Well £50 is a bit of a push but it's probably not worth much more than a grand :p

Area definitely comes into it; my main car despite being quite rare, LHD etc. costs less than £200 to insure yet others on an enthusiasts forum I belong to struggle to get it for under £400 with some city areas well over £1000.

[theoloyla]

Bump

[ppentertainments]

Bump

Hope you are properly insured then :D :D :D :confused:

[theoloyla]

Oh Yes!"!!!