Vans - Post 1 - Insurance?

[yourdj]

Hi there is a post on this already as for once i have used the search :p

direct line came up as the only solution.

Who do you use

and

do you declare yourself as a mobile DJ or a sound and light technician or something?
as they can be funny about "dj" being a profession.

Thanks in advance.

Im with Quidco if that helps as you can get good discounts with them.

[Rowleys]

I never told them i was a mobile DJ as when i phone the post office then wanted like 5k when i was quoted £800 before i told them.

I just say a move good around for privet.

[Solitaire Events Ltd]

I never told them i was a mobile DJ


And then when you have a claim your insurance will be invalid.
:bang: :bang: :bang:

When will people learn?

[1st Choice Karaoke]

I'm with Direct Line. My MAIN income comes form my salaried job, as a Gamestation store manager, so thats what I told them. They have NEVER asked about a second job, so I haven't offered.

[Alex]

Toby.... check out Tesco Insurance... Give them a call and explain you are a "Mobile Disco" and are not in the professional/TV/Movie section.

My Insurance for fully comp was £270 for the year including business cover.

[yourdj]

Toby.... check out Tesco Insurance... Give them a call and explain you are a "Mobile Disco" and are not in the professional/TV/Movie section.

My Insurance for fully comp was £270 for the year including business cover.

That sounds good. at the end of the day my gear is covered too. cant see why it is such a high risk? a builders tools can be worth allot more than my gear etc.

I am definitely not messing around and not hiding anything as i cannot afford to have invalid insurance and end up paying for a prang with a ferrari or something! I have been driving around all week thinking it was covered on my other insurance and they do not do vans!!

[Vectis]

I never told them i was a mobile DJ as when i phone the post office then wanted like 5k when i was quoted £800 before i told them.

I just say a move good around for privet.

So you don't actually have valid insurance then (when out gigging).

Assessors aren't stoopid you know :Naughty:

[Corabar Entertainment]

I just say a move good around for privet.Is it just me, or does that remind anyone else of a cryptic crossword clue? :confused: (or are we discussing hedges? :p )

[Gareth]

I'm with Direct Line. My MAIN income comes form my salaried job, as a Gamestation store manager, so thats what I told them. They have NEVER asked about a second job, so I haven't offered.

Checked your policy booklet out? I doubt it would cover business equipment.

[yourdj]

so were looking at about £200?

Its a rubbish old small van with a 0-60 of god knows what

[JTRS]

Insurance is based on the principle of 'utmost good faith', if you fail to declare something or knowingly with hold information that is salient then the insurer will declare your policy void ab initio (void at inception).

If you look at the small print on any insurance policy it will state that, so if you choose to keep silent about your second job (as a DJ), or disguise your job title, or do anything whatsoever to hide or conceal what you are doing then you run the risk of the following happening

1) Your policy been declared void, no claim will be paid out for your loss, but if the insurer has to make a payment to a third party (read the Road Traffic Act if you want to know why they are duty bound to do that), then they will come after you for recovery of their outlay

2) Your policy having been declared void will mean that you have to disclose that to other potential future insurers (house,car,travel etc etc ), and that is going to either cause you a big hike in premiums or a flat refusal to insure

3) A possible charge of driving without insurance (that's 6 points and a fine so expect any future insurance premiums to go up).

In my opinion it is just not worth it, as someone said earlier Insurers are not stupid and things like the IH (Insurance Hunter), CIFAS and MIAFTR databases make it easier than you think for them to find out.

JTRS

[JDB Entertainment]

I am with Direct Line on Multi Car/Van.

I have my Peugeot Expert Van(08 Plate) & Ford KA(2000 reg) insured with them, they offer your No Claims Bonus on both vehicles. :)

Van Insurance for this year was just under £1000.

Ford KA last year was £600. (give or take a few £ and p)

I have 3 points and 4 years no claims bonus and 22.

You lot are lucky at £200. Grrrr! :P

[yourdj]

I was wondering why it was so much.

I have a Subaru Impreza and that only cost £200 LOL.
Im checking out the insurance.

You know what i have only called my insurer and no one else and look what i got via email today!!!

amazing isnt it. Note the other two spam items :D


-

[yourdj]

Toby.... check out Tesco Insurance... Give them a call and explain you are a "Mobile Disco" and are not in the professional/TV/Movie section.

My Insurance for fully comp was £270 for the year including business cover.

Had my first load of quotes and cheapest is £400!

I will try Tesco but something tells me that they should stick to selling lettuces and bread.

[soundtracker]

Interesting that people have insurance with Direct Line as they told me categorically that they do not insure mobile Disc Jockeys. What JTRS says above is totally correct. Be careful what wool you try and pull!
Having said that I use Aquote, who have no problems at all with DJs, and (at my age anyway!) are very competitive.

[mikeee]

I spent years insured with Norwich Union (now Aviva), they had no problem with the "mobile disco". As I told them, with the best part of £20K in the back of the vehicle, I would be driving very carefully. I am now with ...SAGA, they don't have a problem either...and their cheaper :)

[Steve the DJ]

Interesting that people have insurance with Direct Line as they told me categorically that they do not insure mobile Disc Jockeys.

I am with Direct Line and had the same conversation but they said they do cover mobiles (after being referred up a manager or two), it's famous people (AKA Radio 1 jocks etc.) that they don't like.

[Vectis]

I spent years insured with Norwich Union (now Aviva), they had no problem with the "mobile disco". As I told them, with the best part of £20K in the back of the vehicle, I would be driving very carefully. I am now with ...SAGA, they don't have a problem either...and their cheaper :)


I am with Direct Line and had the same conversation but they said they do cover mobiles (after being referred up a manager or two), it's famous people (AKA Radio 1 jocks etc.) that they don't like.

Much as I hate to say it, try a high street broker (Swinton et al) as they can have these types of conversations on your behalf. You might be surprised :o

[Gareth]

It's famous people (AKA Radio 1 jocks etc.) that they don't like.

Yet again a higher risk to the insurer. Besides, most famous people have specialist policies costing alot more than standard insurance policies.

[Corabar Entertainment]

Interesting that people have insurance with Direct Line as they told me categorically that they do not insure mobile Disc Jockeys. What JTRS says above is totally correct. Be careful what wool you try and pull!
Having said that I use Aquote, who have no problems at all with DJs, and (at my age anyway!) are very competitive.


I am with Direct Line and had the same conversation but they said they do cover mobiles (after being referred up a manager or two), it's famous people (AKA Radio 1 jocks etc.) that they don't like....and as I mentioned last time this came up, Steve's been with them for a few years and they didn't have a problem at the time he signed up with them, and they haven't said otherwise since!

[Steve the DJ]

Direct Line do have two products as well, one for business (http://www.directlineforbusiness.co.uk/) and one for joe public (http://www.directline.com/).

[JTRS]

I am with Direct Line and had the same conversation but they said they do cover mobiles (after being referred up a manager or two), it's famous people (AKA Radio 1 jocks etc.) that they don't like.

Actually it's not so much that as the fact that insurance actuaries calculate the premiums on frequency and severity (ie the number of accidents that a particular age range/ occupation class / gender etc have and how much each of those accidents ends up costing them). Because these statistics are built up over a number of years the increased premiums/refusals to insure are a throwback to the years when anyone working in licensed premises (landlords, bar staff, waiters, entertainers etc) was considered a higher risk because of the ease of access to alcohol, that was due to the high number of claims they had because of the number of accidents they were involved in (other factors such as tiredness and driving home late at night also played a part but alcohol was the main culprit).

Some of the newer Companies (those that don't have the claims records from the bad old days) will happily accept DJ's etc, as will the ones that went through a period of not accepting them years ago (because when they stopped insuring them they had no claims made by DJ's so they actually look a good risk when looking at frequency and severity statistics).

JTRS

[Spirits High]

Interesting that people have insurance with Direct Line as they told me categorically that they do not insure mobile Disc Jockeys.


I am with Direct Line and had the same conversation but they said they do cover mobiles (after being referred up a manager or two), it's famous people (AKA Radio 1 jocks etc.) that they don't like.


...and as I mentioned last time this came up, Steve's been with them for a few years and they didn't have a problem at the time he signed up with them, and they haven't said otherwise since!

Just to go crystal clear with this one I spoke to direct line this morning and "YES" they will insure mobile DJ's. The bloke on the phone said that if I was to DJ from the van then I wouldn't be covered as this would be classed as trading from the van but as I'm removing the kit from the van into a venue then this is ok ;)

He likened it to a Market seller that if they open their van and allow people to buy items from within it then they're not covered but if they were to put a table at the back of it then sell from said table then that's fine :D

[NKR]

I am named on my wifes policy for class 1 business insurance as a Chartered Surveyor and part time Entertainer. Actually reduced the bill to £450.

[Mark Wild]

I'm with Direct Line Van Insurance :)

[1st Choice Karaoke]

Checked your policy booklet out? I doubt it would cover business equipment.

My policy states that it also covers me for driving in connection with my own business, but only for 3rd party claims. (I'm fully comp for social/domestic/pleasure) so I assume at some point i told them I had a main job and my own business. I've been with them for about 7 years and they have never asked me what my own business was. (That I remember). I can only assume that i told them my main mileage was NOT for my business, which is true.

[Mark Wild]

I'm with Direct Line Van Insurance :)

Maybe not this year though since my renewal price is £200 more :(

[1st Choice Karaoke]

Maybe not this year though since my renewal price is £200 more :(

Yup, mine went up by about £150 with direct line, but an hours ringing around and searching on the web and I still couldn't get it any cheaper anywhere else... I was told by 3 different companies that policies were higher this year as the insurance companies had to pay out for so many claims over the winter last/this year (more than they had expected anyhow).

[flatliners]

I am withy quinn direct think i pay about 300

[Tony Scott]

I'm with Aviva for the van which covers me for my Plumbing/Heating work and the DJ stuff... £500 a year.

Direct Line for the car which is around £350 this year.

[DJDC]

Toby.... check out Tesco Insurance... Give them a call and explain you are a "Mobile Disco" and are not in the professional/TV/Movie section.

My Insurance for fully comp was £270 for the year including business cover.

I too use Tesco and checked with them and they don't put you in the high risk category as recorded, they were more than happy although will say my motor insurance with 1 claim in 3 years, and protected NCD was £900(and I'm nearly 40, and a 21 yrs / clean license) but the thing was it cost me little more than a quote without the 'second job' mentioned.

it transpires my car costs me more as it is the 136bhp????? model it's a bl***y 7 seater 807 and they are as standard a 120bhp. It's hardly a sports car!

In the end piece of mind and knowing your always covered, no risk of been stopped by the BIB (sorry boys in blue) and potentially what could be deemed as driving without insurance, or at least driving not in accordance with your insurance policy. I'm sure when asked your insurer would use this as a way of not honouring a policy. If you did encounter a problem try getting insured next time round!

I have known DJ's who have been stopped and found not to using the vehicle as per their policy, and therefore deemed uninsured. Vehicle and potentially contents could be seize under newer powers. I am sure it would be difficult to explain Social Domestic, and pleasure use with £1,000's of disco kit in the motor. If you have business use (Class 1 etc) it will all then depend on the details within the text in the policy.

One thing to always bear in mind with vehicle insurance there is a requirement to inform them of anything you may (or may not) think to be of relevance. Technically that could include second jobs (or part time) and any other material facts they may deem relevant. (As already stated) I'm not in the insurance business but have asked variouso lawyers / Traffic Police I have worked with over the years. In the past I am aware that West Midlands Police for example have actively 'looked out' for those in Bands and mobile Discos etc during peak seasons (Christmas)

[yourdj]

I too use Tesco and checked with them and they don't put you in the high risk category as recorded, they were more than happy although will say my motor insurance with 1 claim in 3 years, and protected NCD was £900(and I'm nearly 40, and a 21 yrs / clean license) but the thing was it cost me little more than a quote without the 'second job' mentioned.

it transpires my car costs me more as it is the 136bhp????? model it's a bl***y 7 seater 807 and they are as standard a 120bhp. It's hardly a sports car!

In the end piece of mind and knowing your always covered, no risk of been stopped by the BIB (sorry boys in blue) and potentially what could be deemed as driving without insurance, or at least driving not in accordance with your insurance policy. I'm sure when asked your insurer would use this as a way of not honouring a policy. If you did encounter a problem try getting insured next time round!

I have known DJ's who have been stopped and found not to using the vehicle as per their policy, and therefore deemed uninsured. Vehicle and potentially contents could be seize under newer powers. I am sure it would be difficult to explain Social Domestic, and pleasure use with £1,000's of disco kit in the motor. If you have business use (Class 1 etc) it will all then depend on the details within the text in the policy.

One thing to always bear in mind with vehicle insurance there is a requirement to inform them of anything you may (or may not) think to be of relevance. Technically that could include second jobs (or part time) and any other material facts they may deem relevant. (As already stated) I'm not in the insurance business but have asked variouso lawyers / Traffic Police I have worked with over the years. In the past I am aware that West Midlands Police for example have actively 'looked out' for those in Bands and mobile Discos etc during peak seasons (Christmas)

Cheers but most car insurers will not do commercial vans i am afraid. I got mine with a specialist van company.

It will always be more expensive due to the added use and risk of goods being on board. :)

[addoaddo]

Note clause in the direct line policy (from their web site)
"
Your business or the business of your employer is not in anyway connected with any of the following: the entertainment and fashion industry, professional sports, foreign service, foreign diplomatic personnel, mini-cab drivers or mini-cab controllers.
"
If you are insurance is with direct line you would not be covered for a Disco. Agents on the phone can say anything unless they confirm in writting your are not covered

[Corabar Steve]

...and as I mentioned last time this came up, Steve's been with them for a few years and they didn't have a problem at the time he signed up with them, and they haven't said otherwise since!
Well they :Censored: :Censored: :Censored: :Censored: :Censored: well have now!

Apparently their rules changed recently when they introduced their new "commercials" policy.

[Spirits High]

Well they :Censored: :Censored: :Censored: :Censored: :Censored: well have now!

Apparently their rules changed recently when they introduced their new "commercials" policy.


Did it come to light on renewal or did you get email etc.

Interested as I'm with direct line too

[Mark Wild]

I'm with Direct Line, business use under the occupation of 'Mobile Disco Owner' Renewal quote £960, but I have only 1 years NCB.

[Corabar Steve]

Did it come to light on renewal or did you get email etc.

Interested as I'm with direct line tooTrying to insure the new(ish) van at the moment. No notification at all (still have 3 & a bit months on the old policy). Just told in no uncertain terms that the existing policy would be terminated in January & that I could no longer insure with them


I'm with Direct Line, business use under the occupation of 'Mobile Disco Owner' Renewal quote £960, but I have only 1 years NCB.
When was this? Apparently they have recently introduced their new commercial vehicle policies, which have caused the change.

Looking like I'll be going with Insurantz.com, who have absolutely no issues with insuring anyone in the mobile disco industry (just phoned them) & don't add more onto the price if you want to pay monthly like come others *cough!*AQuote*cough!*.

[Mark Wild]

When was this? Apparently they have recently introduced their new commercial vehicle policies, which have caused the change.

Received yesterday mate.

[Corabar Steve]

Received yesterday mate.
You might want to check that before you renew. I just phoned them back to double check. Anything with the words disco or music are on the declined occupations list. (I even used the exact phrase that you used above, & he said you should've been declined. I gave him your name & address. Hope you don't mind :sj:)

They won't even insure sheet music suppliers!!!

[Mark Wild]

I gave him your name & address. Hope you don't mind :sj:)


:lol: Not at all....

I'll get on the blower now though and check that.

[Corabar Steve]

Let us know how you get on.

[chrisj]

I don't know if I have put this on here before and I am not looking back but I have a van policy fully comp with Zenith Insurance through A-Plan brokers in Eastleigh. Fully comp £224 for my 2000 'X' Citroen Relay 1.9Deisel
Admittedly I have full no claim.
The policy says 'Occupation- Disco Jockey', and the van is ensured to 'carry own goods'
Exclusions listed do not include anything to do with music or disco equipment. I have read all small print and this was discussed when I first had insurance through them and every renewal.

Why not give A-Plan a call for a quote?

[sxboy]

On the phone to direct line now and they are telling me they DO insure mobile disc jockey, on hold at the mo, (I am currently insured with them with the above proffession) Just come off hold with them, and she spoke to 2 underwitters and have stated they have NO plans to stop mobile disc jockey insurance now or on renewal. She did say they won'nt insure "high risk groups" such as famous DJ'd footballers tv stars etc, but mobile dj's are fine.
So who knows!!

[Corabar Steve]

It seems the problem is with the word disco.

I'm going to try again in a bit.

[Corabar Entertainment]

Just a thought: those of you who are being told 'no problem', are you insuring car or a van?

[Mark Wild]

Let us know how you get on.

Same as Sxyboy, no problems.


Just a thought: those of you who are being told 'no problem', are you insuring car or a van?

MWB Transit

[Corabar Entertainment]

MWB TransitOk... so that's not the issue!!!!

This is ridiculous!

[Mark Wild]

Ok... so that's not the issue!!!!

This is ridiculous!

Got to love insurance :(

[sxboy]

Yeah me too, van nissan vanette.

[Corabar Entertainment]

:bang:

I think I might give them a call as an 'independent' on behalf of all MDD members. Might get to speak to someone else to get some clarification!

[Jiggles]

I have heard a few good reports about Falcon Insurance! http://www.falconinsurance.co.uk/van-insurance

They are the UKs only insurer that would insure me for a Quad bike TPFT! The rest said no or only offered Third Party.

[Pink Elephant]

I renewed yesterday with Direct Line for my wife's car, my car and the van.

My wife wasn't insured on the van, and so was told to put her on as a named driver so bringing the premium down to £423.00 from £495 - this includes the Green Flag breakdown cover for all 3 vehicles.

All are insured for business use by both of us, and I have 6 years NCB and the boss has 9 years.

[Corabar Steve]

Ok... so that's not the issue!!!!
I thought it might be something to do with the size of the van

MWB Transit


Yeah me too, van nissan vanette.
Seems not.

Right, so far companies with no issues:

Insurantz
AQuote (who add on to the price for monthly payment)
A-Plan (who do cover our industry, but not from my local (Potters Bar) office. I'm awaiting a call from the office that does).

Companies that don't know their arse from their elbow :

DIRECT LINE

[Mark Wild]

I thought it might be something to do with the size of the van



Seems not.

Right, so far companies with no issues:

Insurantz
AQuote (who add on to the price for monthly payment)
A-Plan (who do cover our industry, but not from my local (Potters Bar) office. I'm awaiting a call from the office that does).

Companies that don't know their arse from their elbow :

DIRECT LINE

Directline add 10% for DD payments (annoying) I can't find anyone any cheaper tbh and I've done quite a few quotes. I have 1 fault claim though :o

[soundmaster mobile disco]

I have been searching for van insurance this morning useing web comparison sites.my car is insured through admiral multicar,spoke to them they dont insure vans,passed me on to gladiator who do,unfortunatly mobile dj will not get insurance with them so now i am pased onto commercial vehicle direct.they start of with a big price.£875,i tell them no way,they say hold on till i speak to the supervisor,he comes on and before i know it its dropped down to £588.

I am still shopping around.hope to call direct line and another one recommended via nadj.its the one angela mentoined.

will tell you how i get on

[Corabar Steve]

I have 6 years NCB and the boss has 9 years.
That's not the issue. Both Angela & I have 9+ years NCB

[Corabar Entertainment]

OK - I just phoned Direct Line as a representative of the MDD membership to discuss their insurance in general terms, and without mentioning anyone's names.

I had a lengthy chat with them and have been told that they will NOT take NEW business from the industry, but any existing customers may continue with them - even with a new vehicle.

So Steve has been informed incorrectly, since as an existing customer of long-standing, he should be allowed to continue with them.

Steve will be calling them back shortly to try again!

[sxboy]

OK - I just phoned Direct Line as a representative of the MDD membership to discuss their insurance in general terms, and without mentioning anyone's names.

I had a lengthy chat with them and have been told that they will NOT take NEW business from the industry, but any existing customers may continue with them - even with a new vehicle.

So Steve has been informed incorrectly, since as an existing customer of long-standing, he should be allowed to continue with them.

Steve will be calling them back shortly to try again!

Well I just don't understand this, when I was on the phone to them this morning, I did mention about being on a forum for mobile dj's (I did not mention this or any other forum or members names, just to be clear)
And it seems that what Steve has been told is the complete opposite to me.
This was checked with 2 underwritters and any insurance is allocated by "risk" and a "normal" mobile dj (as in not a well know public figure) is NOT classed as a high risk proffesion. It seems the goal post's move depending on who you speak to. Oh well just have to wait untill my renewal in june to see what happens.

Daren

[Corabar Steve]

Covered by Direct Line for £20pm less than the next cheapest. Excess half that of the nearest. Breakdown cover included.

However, I would also like to give honourable mentions to the Eastleigh Branch of A-Plan (02380 618844) for being the next best & if for any reason I have to leave direct line in the future, I know where I'll be going.


Well I just don't understand this, when I was on the phone to them this morning, I did mention about being on a forum for mobile dj's (I did not mention this or any other forum or members names, just to be clear)
And it seems that what Steve has been told is the complete opposite to me.
This was checked with 2 underwritters and any insurance is allocated by "risk" and a "normal" mobile dj (as in not a well know public figure) is NOT classed as a high risk proffesion. It seems the goal post's move depending on who you speak to. Oh well just have to wait untill my renewal in june to see what happens.

Daren
But were you an existing customer Darren? That seems to be the sticking point.

[soundmaster mobile disco]

Direct line told me that the underwriters have totally changed the commercial vehicle policys.They would not give me insurance for being a dj,apparantly this trade is now not covered under the commercial vehicle policy.Like mark says his renewal came in at the new price.he will be ok as an existing policyholder but for me starting new iam not covered.

Insuranze.com wanted £1050 to insure my van as a mobile dj.i said thanks but no thanks to that one.

I got a great deal through commercial vehicle direct.fully comp with loads of extra add ons for the annual price of £493.13.Bearing in mind i have no claims discount on my van,i thought this was a fantastic deal compared to others.

Commercial vehicle direct insurance services
bristol
bs35 4bl
tel 08452190585
www.cvd-insurance.co.uk

[Corabar Entertainment]

Covered by Direct Line for £20pm less than the next cheapest. Excess half that of the nearest. Breakdown cover included.£26 per month, actually :D ...which is one hell of a difference!


Direct line told me that the underwriters have totally changed the commercial vehicle policys.They would not give me insurance for being a dj,apparantly this trade is now not covered under the commercial vehicle policy.Like mark says his renewal came in at the new price.he will be ok as an existing policyholder but for me starting new iam not covered.Yep. That seems to be the case when we got to the bottom of it. Clearly the :muppet: Steve spoke to the first time today hit the 'new customer' button by mistake, and then the second time they just followed on from what was input the first time.


I got a great deal through commercial vehicle direct.fully comp with loads of extra add ons for the annual price of £493.13.Bearing in mind i have no claims discount on my van,i thought this was a fantastic deal compared to others.

Commercial vehicle direct insurance services
bristol
bs35 4bl
tel 08452190585
www.cvd-insurance.co.ukSounds like you've found a good one there as well, Gary :thumbsup:

[sxboy]

Covered by Direct Line for £20pm less than the next cheapest. Excess half that of the nearest. Breakdown cover included.

However, I would also like to give honourable mentions to the Eastleigh Branch of A-Plan (02380 618844) for being the next best & if for any reason I have to leave direct line in the future, I know where I'll be going.


But were you an existing customer Darren? That seems to be the sticking point.

I got my insurance from them June this year, and no I was not an existing customer. They also said there are no planned changes with regard's to insuring me next year, as a mobile disc jockey.

I think they may do it on a case by case basis and certain factor's come into play as regard to risk, like where you live, previous driving history etc, but then again, they might just pull straws when you call!

Daren

[Corabar Entertainment]

I got my insurance from them June this year, and no I was not an existing customer. They also said there are no planned changes with regard's to insuring me next year, as a mobile disc jockey.Think you've missed the crux here Daren.

It's relatively recent that they've changed and they are no longer taking on new customers in this industry, so you got in in June before the changes and so may continue with them ad infinitum.

Mind you, they did say that the underwriters' list can and does change on a very regular basis - sometimes daily :eek: so there's nothing to say that the underwriters won't change their mind again at some point in the future!!!

[Excalibur]

It seems the problem is with the word disco.
.
Have you thought of becoming an Entertainer? :whistle: :sofa:


Got to love insurance :(
Don't get me started. :mad:


:bang:

I think I might give them a call as an 'independent' on behalf of all MDD members. Might get to speak to someone else to get some clarification!
May I wish you the very best of luck in your endeavours.


.my car is insured through admiral multicar,spoke to them they dont insure vans,.
Ah. Makes mental note to cross them off the llist of possibles when I start moving our policies from Swinton.

[Corabar Entertainment]

May I wish you the very best of luck in your endeavours.
You really should read the whole thread before replying, Mr Fisher: call made ages ago; Steve now insured with Direct Line :D

[Excalibur]

You really should read the whole thread before replying, Mr Fisher: call made ages ago; Steve now insured with Direct Line :D

I did. Having typed it out, I wasn't deleting it. And I still am of the belief that the entire industry and its staff have dispensed totally with common sense and reason, which is why the need for luck arises. :D

[sxboy]

Think you've missed the crux here Daren.

It's relatively recent that they've changed and they are no longer taking on new customers in this industry, so you got in in June before the changes and so may continue with them ad infinitum.

Mind you, they did say that the underwriters' list can and does change on a very regular basis - sometimes daily :eek: so there's nothing to say that the underwriters won't change their mind again at some point in the future!!!

Well the lady on the phone did put me on hold, and spoke to 2 underwritters and she told me they DO except mobile disc jockeys, it had nothing to do with me already be insured with them, as I did not tell them to start with.

Daren

[Corabar Entertainment]

OMG! Talk about right-hand and left-hand not knowing what they are doing!

:lol:

[DAVESOUNDS SERVICES]

Just to go crystal clear with this one I spoke to direct line this morning and "YES" they will insure mobile DJ's. The bloke on the phone said that if I was to DJ from the van then I wouldn't be covered as this would be classed as trading from the van but as I'm removing the kit from the van into a venue then this is ok

He likened it to a Market seller that if they open their van and allow people to buy items from within it then they're not covered but if they were to put a table at the back of it then sell from said table then that's fine
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http://img.photobucket.com/albums/v201/DAVESOUNDS/DSCF0015.jpg

better ring mine and check too!!!

[Corabar Entertainment]

Dave, please have a read here: http://www.forum.mobilediscodirectory.co.uk/showthread.php?t=32729 and learn how to quote other people's posts. It's very confusing doing what you've done above, since no-one knows where the quote starts or ends, plus you can't easily refer back to the previous post that you've quoted to see it in context.

In any event, what you're doing takes a lot more effort than doing it properly! ;) :D

:thanks:

[chrisj]

I don't know if I have put this on here before and I am not looking back but I have a van policy fully comp with Zenith Insurance through A-Plan brokers in Eastleigh. Fully comp £224 for my 2000 'X' Citroen Relay 1.9Deisel
Admittedly I have full no claim.
The policy says 'Occupation- Disco Jockey', and the van is ensured to 'carry own goods'
Exclusions listed do not include anything to do with music or disco equipment. I have read all small print and this was discussed when I first had insurance through them and every renewal.

Why not give A-Plan a call for a quote?

Further tip, I sent a photocopy of my licence to A-Plan and recieved a further discount this year taking my insurance lower than last year.
If anyone asks for a quote with A-Plan at Eastleigh don't forget to ask if you can get further discount. Also don't forget a higher excess sometimes lowers the quote.

[Excalibur]

OMG! Talk about right-hand and left-hand not knowing what they are doing!

:lol:
Still convinced you can manage without a hefty slice of luck? :whistle:


Dave, please have a read here: http://www.forum.mobilediscodirectory.co.uk/showthread.php?t=32729 and learn how to quote other people's posts. It's very confusing doing what you've done above, since no-one knows where the quote starts or ends, plus you can't easily refer back to the previous post that you've quoted to see it in context.

In any event, what you're doing takes a lot more effort than doing it properly! ;) :D

:thanks:
Agreed. Just this once, I've sorted it.

[Corabar Entertainment]

Agreed. Just this once, I've sorted it.Yeah... thanks for making my post look like it makes no sense whatsoever, Peter (when the thread is read chronologically)! :p

[Excalibur]

Yeah... thanks for making my post look like it makes no sense whatsoever, Peter (when the thread is read chronologically)! :p
Please accept my profuse apologies for such a boorish action on my part, it was unintentional, I can assure you. :o :o :( :(
However, should our avid readers make it to the denouement, then all will become clear as crystal. :D :D

[Corabar Entertainment]

I didn't know that crystals came in mud colour. :p :p :p :D

[Charlie Brown]

God help people like myself trying to get any form of insurance!

[Jiggles]

God help people like myself trying to get any form of insurance!

What they want you to have is 3 years experience before your 21 but they don't want you to have a car at 17... :daft:

[Corabar Entertainment]

God help people like myself trying to get any form of insurance!

Well, you'll need a driving licence and a vehicle first!

[Charlie Brown]

It would help. :sj:

[Corabar Steve]

I'll have a van for sale shortly