Advertisement
If you have a new account but are having problems posting or verifying your account, please email us on hello@boards.ie for help. Thanks :)
Hello all! Please ensure that you are posting a new thread or question in the appropriate forum. The Feedback forum is overwhelmed with questions that are having to be moved elsewhere. If you need help to verify your account contact hello@boards.ie
Please note that it is not permitted to have referral links posted in your signature. Keep these links contained in the appropriate forum. Thank you.

https://www.boards.ie/discussion/2055940817/signature-rules
Hi there,
There is an issue with role permissions that is being worked on at the moment.
If you are having trouble with access or permissions on regional forums please post here to get access: https://www.boards.ie/discussion/2058365403/you-do-not-have-permission-for-that#latest

Looking for Car Insurance expert

  • 01-01-2010 11:33am
    #1
    brownswiss
    Registered Users, Registered Users 2 Posts: 763 ✭✭✭


    What determines whether a vehicle is commercial or private.


Comments

  • #2
    CJhaughey
    Registered Users, Registered Users 2 Posts: 14,907 ✭✭✭✭CJhaughey


    The tax disc.


  • #3
    brownswiss
    Registered Users, Registered Users 2 Posts: 763 ✭✭✭brownswiss


    CJhaughey wrote: »
    The tax disc.

    Are you sure that the tax disc determines it even in the eyes of the insurance company ?


  • #4
    CJhaughey
    Registered Users, Registered Users 2 Posts: 14,907 ✭✭✭✭CJhaughey


    If it is taxed as commercial it can only be a commercial. You cannot tax a private vehicle commercially.
    You can however tax a commercial vehicle privately, ie Car derived vans.
    But the tax disc is the determining factor.


  • #5
    antodeco
    Registered Users, Subscribers, Registered Users 2 Posts: 13,630 ✭✭✭✭antodeco


    It's just type of vehicle. Just jeep or van. It's how the system sees it. GF has been in the business a long time. Seems odd, but it's the way it is with Quinn and when she was in Spain.


  • #6
    brownswiss
    Registered Users, Registered Users 2 Posts: 763 ✭✭✭brownswiss


    CJhaughey wrote: »
    If it is taxed as commercial it can only be a commercial. You cannot tax a private vehicle commercially.
    You can however tax a commercial vehicle privately, ie Car derived vans.
    But the tax disc is the determining factor.

    Not so sure all insurance companies agree with you. I do however think you are correct..


  • Advertisement
  • #7
    antodeco
    Registered Users, Subscribers, Registered Users 2 Posts: 13,630 ✭✭✭✭antodeco


    All jeeps and vans are seen as commercial vehicles with Quinn. This is why they generally have a different policy (no breakdown assistance/ 3rd party extension) Found out that unless you have open drive, you are not insured driving someones jeep or van (insurance co dependant).


  • #8
    CJhaughey
    Registered Users, Registered Users 2 Posts: 14,907 ✭✭✭✭CJhaughey


    antodeco wrote: »
    Quinn.

    :rolleyes:I wouldn't touch them personally.


  • #9
    oldyouth
    Closed Accounts Posts: 4,754 ✭✭✭oldyouth


    An insurance company will treat a vehicle as commercial providing it is taxed accordingly and has no rear seats (crew cabs excepted)


  • #10
    antodeco
    Registered Users, Subscribers, Registered Users 2 Posts: 13,630 ✭✭✭✭antodeco


    CJhaughey wrote: »
    :rolleyes:I wouldn't touch them personally.

    You and me both. Have always found then at 30% more than any premium Ive ever had.


  • #11
    brownswiss
    Registered Users, Registered Users 2 Posts: 763 ✭✭✭brownswiss


    oldyouth wrote: »
    An insurance company will treat a vehicle as commercial providing it is taxed accordingly and has no rear seats (crew cabs excepted)
    .....

    seems they deem it commercial regardless of how it is taxed if you remove the rear seats...

    It would be interesting to ask them for commercial insurance on a vehicle that is taxed private


  • Advertisement
  • #12
    ash23
    Closed Accounts Posts: 4,791 ✭✭✭ash23


    We would always ask if it's taxed commercially or privately and base the insurance on that. Another rule of thumb (aside from crew cabs) is the question "does it have rear seats or windows".
    Generally it's based on tax though.


Advertisement