Where do I stand with my Hilux insurance?

Gautama

I bought a new Hilux Twin Cab in 2013. This was taxed as a commercial vehicle (i.e. I pay €333 per annum motor tax and have an annual CRW / CVRT test of €111).

At the time my occupation was gardener and part time farmer.

In 2014 I did a little shopping around I discovered that a "Gardener - Non VAT registered" commanded an enormous insurance premium. Therefore I renewed it with the same insurance company.

Now its 2015 and insurance is up for renewal, going from €487 to €765. That's a jump of about 50%!!!
My main occupation at present is a SAHF (stay at home father). I'm still a part time farmer, in the background, so to speak. As for the gardener job, I don't have time for that. The business still exists and I made a tax return last year and will make a return in October coming, but I don't expect any income.

Is it possible to still insure the Hilux as a commercial vehicle, with commercial motor tax rate and commercial insurance, with two baby seats in the back of the cab?

On a side note, I now find the term "occupation" vague. What does it actually mean and is there any legal basis to it. When I was a typical software engineer in a PAYE job my "occupation" was quite straight forward.
Now it's not. I'm a SAHF. I have a gardening business. I "tip away" at a farm. I'm also a landlord.

To Elland Back

For insurance purposes, your occupation is 'SAHF. gardening business owner, part-time farmer and landlord'

The online dropdown boxes won't suit you, so you need to contact insurers directly. Do no omit or dress up what your activities are, there's no point

O.A.P

Have you got a herd number ? if you do its all you need to tax it commercial.