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1.8 metre rule back

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  • Options
    #32
    Alkers
    Registered Users Posts: 6,811 ✭✭✭Alkers


    stevire wrote: »
    With regards to insurance, just ask the broker to take it to the underwriters. It goes to the real insurance company, and they don't enforce/understand the height ruling and will offer insurance

    Can you explain what you mean here?


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    #33
    stevire
    Registered Users Posts: 1,512 ✭✭✭stevire


    Simona1986 wrote: »
    Can you explain what you mean here?

    I contacted AXA on Twitter and a PR Specialist sent me a message to email them directly (i've removed their name/email):
    Hi [removed],

    I'm currently trying to seek camper insurance. I've tried Dolmen Insurances which have denied a quote due to a 1.8 metre internal height requirement in force by AXA.

    In January 2011 the 1.8m height requirement was removed by Revenue for classifications of a camper. In March 2011 I went through the full process of converting a campervan through the CVO, and have successfully done so. My camper is registered and classed as a camper however my only option is to ensure it as a van due to the 1.8m height requirement in the Motorhome Insurance Scheme. Insuring it as a van seems to me like a grey area and I have multiple times since tried in vain to insure it as a camper.

    Dolmen say that their hands are tied by AXA and they cannot modify the policy with regards to their internal height requirement.

    If you have any help in this area it would be greatly appreciated.

    Cheers,
    Stephen

    A day later I got this response from the person in AXA:
    Hi Stephen

    I have spoken to our Underwriters, can you please call your broker ( Dolmens) again and ask to speak to [removed] who will review this for you.

    Many Thanks

    Rang Dolmen, got a quote and the rest is history :)


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    #34
    mikehn
    Registered Users Posts: 615 ✭✭✭mikehn


    stevire wrote: »
    I contacted AXA on Twitter and a PR Specialist sent me a message to email them directly (i've removed their name/email):

    A day later I got this response from the person in AXA:

    Rang Dolmen, got a quote and the rest is history :)
    Well done, I got hugh grief a couple of months ago going through brokers but never thought of going down your route.


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    #35
    Aidan_M_M
    Registered Users Posts: 2,213 ✭✭✭Aidan_M_M


    Marlow wrote: »
    The cheaper VRT rate of 200 EUR for motor caravans over 3000 kg was done away with in 2012.


    /M

    where did you get that figure and date from?:confused:


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    #36
    Marlow
    Registered Users Posts: 14,555 ✭✭✭✭Marlow


    Aidan_M_M wrote: »
    where did you get that figure and date from?:confused:

    When they dropped the 1.8m rule, there still was a rule in place, that meant, if the unladen weight of the camper was over 3000 kg, then the VRT was only 200 EUR. 13.3% if the unladen weight was under that.

    A lot of people tried fiddling with things like filling the chassis with sand, etc. in the process of getting campers in with a GVW of 3500 kg but an unladen weight over 3000 kg, to save money on the VRT. The VRO on the other side made sure, that fuel tank was near empty when inspecting the camper. They were even emptying the water and waste tanks etc to bring you under 3000 kg.

    The date is from recollection. I may be slightly off. But the rule was still in force, when the 1.8m rule was dropped in 2011. Pretty sure it disappeared, when they tightened the rules in the start of 2012. After that, there's only one VRT class for all motor caravans.

    /M


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    #37
    Aidan_M_M
    Registered Users Posts: 2,213 ✭✭✭Aidan_M_M


    Marlow wrote: »
    When they dropped the 1.8m rule, there still was a rule in place, that meant, if the unladen weight of the camper was over 3000 kg, then the VRT was only 200 EUR. 13.3% if the unladen weight was under that.

    A lot of people tried fiddling with things like filling the chassis with sand, etc. in the process of getting campers in with a GVW of 3500 kg but an unladen weight over 3000 kg, to save money on the VRT. The VRO on the other side made sure, that fuel tank was near empty when inspecting the camper. They were even emptying the water and waste tanks etc to bring you under 3000 kg.

    The date is from recollection. I may be slightly off. But the rule was still in force, when the 1.8m rule was dropped in 2011. Pretty sure it disappeared, when they tightened the rules in the start of 2012. After that, there's only one VRT class for all motor caravans.

    /M

    I see...
    it was actually the end of 2010 when they went from E50 vrt on vehicles >3000kg . And you were allowed a full tank of diesel , legally , but empty elsewhere . How do you fill a chassis with sand? Genuine question?

    re the trade and complaining about VRT , we have been anything but quiet , ourselves , and at least 4 other established motorhome dealers have been lobbying against the criminally high charges , for years , not just with the VRO and Applus , but taking it to any government representative we can find willing to listen.

    The gist of it seems to be , that VRT is considered a local tax , and hence can be applied without contravening EU law .
    What a fuppin' joke.


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    #38
    [Deleted User]
    Posts: 5,238 ✭✭✭ [Deleted User]


    Aidan_M_M wrote: »
    How do you fill a chassis with sand? Genuine question?

    Sand-blast into the rails from the loom/ventilation entrances I imagine. That'd help the rot no end soon as it gets damp. I'd be more concerned with how to get it out again afterwards. :confused:


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    #39
    stevire
    Registered Users Posts: 1,512 ✭✭✭stevire


    Aidan_M_M wrote: »
    How do you fill a chassis with sand? Genuine question?

    Plenty of 'urban legend' stories of sandbags in the cupboards, temporary lead sheets under the van etc etc. I guess you could put sandbags in behind carpeted panels in the back of the van, that would be in the chassis?


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    #40
    [Deleted User]
    Posts: 5,238 ✭✭✭ [Deleted User]


    I've a friend with an MR-2 keeps a 40kg sand-bag in the boot (under bonnet) to make the steering work. :pac:


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    #41
    niloc1951
    Registered Users Posts: 2,036 ✭✭✭niloc1951


    Aidan_M_M wrote: »
    ................................................ VRT is considered a local tax , and hence can be applied without contravening EU law .
    What a fuppin' joke.

    It is a local tax and we have just got to suck it up. The real issue is how it's calculated.

    1. It can based on a figure which bears no relationship to the real life Open Market Selling Price, and
    2. It must be against all conventions and tax rules in that it is not determinable until after a purchase transaction has been closed.

    I have been unable to find any accountant who knows of any other situation where the tax liability flowing from a transaction can not be pre-calculated and factored into the final cost of making the transaction.


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    #42
    moodrater
    Closed Accounts Posts: 1,638 ✭✭✭moodrater


    stevire wrote: »
    Plenty of 'urban legend' stories of sandbags in the cupboards, temporary lead sheets under the van etc etc. I guess you could put sandbags in behind carpeted panels in the back of the van, that would be in the chassis?

    Well local guy here used rolls of flashing to nudge his over but that was an xlwb sprinter so close enough. I worked oub i would have needed 16 rolls of lead to get mine over or half a cubic meter of sand so not really practical :pac:


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    #43
    Roneyc
    Registered Users Posts: 20 ✭Roneyc


    Hi all, just wondering if anyone successfully managed to change a low roof converted van from commercial to campervan on the taxbook since all this confusion began?

    Also - what are the downsides of driving a converted van that is still commercial on the taxbook - asides from more expensive insurance?


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    #44
    reelkidmusic
    Registered Users Posts: 112 ✭✭reelkidmusic


    Roneyc wrote: »
    Also - what are the downsides of driving a converted van that is still commercial on the taxbook - asides from more expensive insurance?

    You will not be able to insure it as a camper van and if it is insured as a commercial, your insurance may not cover you in the event of an accident/claim.


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    #45
    stevire
    Registered Users Posts: 1,512 ✭✭✭stevire


    Roneyc wrote: »
    Hi all, just wondering if anyone successfully managed to change a low roof converted van from commercial to campervan on the taxbook since all this confusion began?

    No problems in converting the van with low roof over the last year or so once you have the conversion docs stamped by an SQI. You will be subject to VRT when going from commercial to camper.


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    #46
    airhead_eire
    Closed Accounts Posts: 133 ✭✭airhead_eire


    Mine is a low roof and insured for the last 3 to 4 years. A mate of mine also has a low roof Transporter with conversion and gets motorhome insurance.


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    #47
    moodrater
    Closed Accounts Posts: 1,638 ✭✭✭moodrater


    airhead_eire wrote: »
    Mine is a low roof and insured for the last 3 to 4 years. A mate of mine also has a low roof Transporter with conversion and gets motorhome insurance.

    Who's the insurance with?


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    #48
    Marlow
    Registered Users Posts: 14,555 ✭✭✭✭Marlow


    The only ones that do low roof motorhome insurance in Ireland for new customers is the Motor Caravan Club of Ireland at this point.

    All other insurances have withdrawn again as it was abused by certain individuals and only honour existing customers.

    The Motor Caravan Club of Ireland will require that the conversion either was done by somebody they know does a decent conversion or they will require for their own engineer to inspect the conversion and that it has been done to a good and proper standard. Only when they are satisfied, that it is a proper campervan conversion and not just a 7 seater with a few units lobbed in, then they will insure you with a low roof.

    /M


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    #49
    stevire
    Registered Users Posts: 1,512 ✭✭✭stevire


    Marlow wrote: »
    The only ones that do low roof motorhome insurance in Ireland for new customers is the Motor Caravan Club of Ireland at this point.

    All other insurances have withdrawn again as it was abused by certain individuals and only honour existing customers.

    The Motor Caravan Club of Ireland will require that the conversion either was done by somebody they know does a decent conversion or they will require for their own engineer to inspect the conversion and that it has been done to a good and proper standard. Only when they are satisfied, that it is a proper campervan conversion and not just a 7 seater with a few units lobbed in, then they will insure you with a low roof.

    /M

    Not true, Dolmen still do it if you ring Axa and ask them to take it to the underwriters. See my post earlier in the thread.


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    #50
    moodrater
    Closed Accounts Posts: 1,638 ✭✭✭moodrater


    stevire wrote: »
    Not true, Dolmen still do it if you ring Axa and ask them to take it to the underwriters. See my post earlier in the thread.

    Do you have to apply and be refused by dolmen first?

    Could you clarify the procedure please: the first post says "just ask the broker to take it to the underwriters" this one says "you ring Axa and ask them to take it to the underwriters"


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    #51
    stevire
    Registered Users Posts: 1,512 ✭✭✭stevire


    moodrater wrote: »
    Do you have to apply and be refused by dolmen first?

    Could you clarify the procedure please: the first post says "just ask the broker to take it to the underwriters" this one says "you ring Axa and ask them to take it to the underwriters"

    Depends on who you get in the brokers and which broker we're talking about, they might do it on your behalf. No need for reference or refusal. I went straight to Axa in my case, told them my story; they were very helpful. All sorted within two days, they told me to ring Dolmen back and "ask to speak with X they will give you a quote now."


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