Insurance classed as a Commercial Vehicle!

[Karma Supra]

WTF?

I insured the Truck with Elephant for £450 fully comp with myself and the mrs on the policy, and though all was well...

When the policy docs came though It specified that I was not able to drive other vehicles, which is no good to me as there are a few cars in my family,

I asked them why as I was under the impression that I should be covered and they could answer, agreeing that I should be covered... They eventually came up with the reason.

"Because your insurance policy is on a commercial vehicle" Anyone had this before? Surely the Surf can't be calssed as a commercial??? Or do they just not have a clue what it is, and see "hilux" and think "pickup"????

[captain_chaos]

Had trouble with Norwich Union last year about what my vehicle was. Told the indian call centre guy I'd e-mail him a picture of it or even drive it to india. As he just couldn't grasp the concept. They've probably messed up and thought it's a hilux pickup, but if they got your registration plate and ran it through the DVLA it should tell them it's not a commercial vehicle.

[poppy986]

Well worth a phone call to them.Tell them it is not a pick up.
I believe that on the new taxation laws's a vehical that has a 1 ton pay load
capacity is classed as " an commercial" vahical .
That is why a lot of the company car boys are driving double cab L200
and double cab Hi Lux and only paying £500 a year in car tax as they are classed as an " commercial vehical" and not a car.


Had a lot of problems when I first insured mine as they could not relate
a "Surf" to any vehical of that age ( 91 ) as the equiverlant 4 runner
but was a lot newer. Had mine through Tesco no bother what so ever ?
did not even demand an imobaliser ? paying about £350 full comp with
protected no cliams .

Cheers Chris

[gwh200]

Well worth a phone call to them.Tell them it is not a pick up.
I believe that on the new taxation laws's a vehical that has a 1 ton pay load
capacity is classed as " an commercial" vahical .
That is why a lot of the company car boys are driving double cab L200
and double cab Hi Lux and only paying £500 a year in car tax as they are classed as an " commercial vehical" and not a car.


Had a lot of problems when I first insured mine as they could not relate
a "Surf" to any vehical of that age ( 91 ) as the equiverlant 4 runner
but was a lot newer. Had mine through Tesco no bother what so ever ?
did not even demand an imobaliser ? paying about £350 full comp with
protected no cliams .

Cheers Chris

try apache insurance,245 fully comp. no excess, protected ncb,rac breakdown relay get youi home thing etc . well impressed

[Karma Supra]

Well I called them during lunch break.... they said a "hilux" is a commercial vehicle surf or not, I asked if a 4Runner was they said that is also, and is listed as the same car as a Hilux Surf, and its way other their heads, its do do with their underwriters (EUI).

I aslo asked them about possible futre mods, they won't cover lifts!!

I think its time to give Apache a bell, any more reccomendations?

I'm 25 with 7 years NCB, No points.... Think I'll get any cheaper then £450?

[captain_chaos]

Adrian Flux are another very good group to get with, been with now since Feb £750 per year fully comp, and that's with 6 points. Don't think they stop you modifying either

[LURCH]

Adrian Flux are another very good group to get with, been with now since Feb £750 per year fully comp, and that's with 6 points. Don't think they stop you modifying either

I was when i had surf, £250 a year with lifts included all though i never got round to doing it. Thats with max no claims discount and 3 points.

[Karma Supra]

Lurch was that with Flux?

[LURCH]

Lurch was that with Flux?

Yes sorry mate And i dont think they mind you using veg too.

[plumb bob]

I'm with direct line, £300 fully comp, no probs with finding surf on their database, although they do require an immobiliser to cover for theft.

[surfenstein]

liverpool victoria stein is insured fully comp with all mods listed and it only cost me £210 per year.

[Casey]

I'm with direct line, £300 fully comp, no probs with finding surf on their database, although they do require an immobiliser to cover for theft.

Same for me, I'd recommend Direct Line too, £300 and that covers my wife too though she refuses to drive it anyway!

[24Seven]

liverpool victoria stein is insured fully comp with all mods listed and it only cost me £210 per year.

I'm with them also, pleased with their service as well.

[Artful_dodger]

I'm with a company called Groupama, they charged me £328 fully comp for 3 (yes three) Surf's and after i'd sent the certificate off for having a Thatcham alarm/imobilisor fitted to my main one, my premium dropped to £280 and that's with all mods declared and 6 points on my license,

Should be cheaper still in December as points all the points get removed

Cheers
Paul

[b19aus]

liverpool victoria stein is insured fully comp with all mods listed and it only cost me £210 per year.

Snap as me also except with Insureyourmotor.com