Can a car insurance policy be transferred to a van???e.g caddy,transit

V.W.L 11

any idea on the above???

Layinghen

Do you want a permanent or a temporary transfer?

V.W.L 11

Layinghen wrote: »

Do you want a permanent or a temporary transfer?

permanent transfer

enumbers

I don't you can as its swapping between a private and commercial policy

Cleveland Hot Pocket

enumbers wrote: »

I don't you can as its swapping between a private and commercial policy

If both policies are for SD&P then you can
Commercial cars/vans can be used for SDP too

Eugene Yes

V.W.L 11 wrote: »

any idea on the above???

No is the answer. Private car policy will not cover use of a commercial. If you trade your car in for a van you have to cancel your private insurance and take out a new commercial policy no matter what you use it for.

Cleveland Hot Pocket

Eugene Yes wrote: »

No is the answer. Private car policy will not cover use of a commercial. If you trade your car in for a van you have to cancel your private insurance and take out a new commercial policy no matter what you use it for.

Tell that to my insurer so

V.W.L 11

Eugene Yes wrote: »

No is the answer. Private car policy will not cover use of a commercial. If you trade your car in for a van you have to cancel your private insurance and take out a new commercial policy no matter what you use it for.

its for S,D & P purposes as pointed out by op

Layinghen

Private car Policy will have to be cancelled and a commercial Policy taken out instead. If you are only using the van for private use, then a commercial vehicle Policy can be issued excluding business use.

Eugene Yes

It is my experience that this is not a runner. Best phone your insurer for definite answer.

Cleveland Hot Pocket

Layinghen wrote: »

Private car Policy will have to be cancelled and a commercial Policy taken out instead. If you are only using the van for private use, then a commercial vehicle Policy can be issued excluding business use.

Ichisaq wrote: »

Tell that to my insurer so

Again, I had changed my insurance to a commercial fiesta van. Private insurance.

Please, do go on, about how this (which has already happened) is not possible :pac:

sean1141

A fiesta van is different to a transit etc. They are a car van which can be insured private but a transit has to be insured as a commercial. This is what I was told by an insurance company when we got the 206 van. She said anything that was not based on a car had to have commercial. Maybe this has changed since they started in-forcing the private/commercial tax

NuckingFacker

No. I run a crap load of commercials and have a great relationship with my insurers, they'll bend over backwards to help, but to transfer from a car to a van, you have to cancel the car insurance and take out a new commercial policy. They're very rigid (excuse the pun) on that.

vandriver

When I transferred from a car to a van I had to open a new policy,but the insurer applied the full NCB I had earned on the private policy.

oldyouth

Apart from the use that a vehicle is put to, commercial vehicle policies have different wordings in them (particularly in relation to passengers/fixed seats), so an insurer will usually want to switch you over to their commercial policy contract and exclude business use

V.W.L 11

oldyouth wrote: »

Apart from the use that a vehicle is put to, commercial vehicle policies have different wordings in them (particularly in relation to passengers/fixed seats), so an insurer will usually want to switch you over to their commercial policy contract and exclude business use

would that be cheaper or more expensive than a private policy do you know???

oldyouth

V.W.L 11 wrote: »

would that be cheaper or more expensive than a private policy do you know???

Very hard to say. There isn't much difference in the risk but very few insurers are prepared to offer SD&P only on a commercial vehicle, so competition is weak allowing some to charge what they like

Cleveland Hot Pocket

oldyouth wrote: »

Very hard to say. There isn't much difference in the risk but very few insurers are prepared to offer SD&P only on a commercial vehicle, so competition is weak allowing some to charge what they like

To get private cover on a commercial vehicle (ie SD&P only, vehicle must not be taxed commercially) and then modify this to commercial insurance (vehicle must be taxed commercially), there was a price difference of 20%. However this was to cover business use too.

Mo Lester

Hey all...Just after buying a peugeot partner for private use....any insurance company recommendations?

CiniO

oldyouth wrote: »

Apart from the use that a vehicle is put to, commercial vehicle policies have different wordings in them (particularly in relation to passengers/fixed seats), so an insurer will usually want to switch you over to their commercial policy contract and exclude business use

Any more details about it?