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Commercial van insurance (young driver)

  • 09-12-2021 8:22pm
    #1
    Registered Users, Registered Users 2 Posts: 399 ✭✭


    Hi folks is there anyone in Ireland that would cover a 20yr old,full licence young lad on a commercial van

    He is insured for 2 yrs on a vw passet,

    No one interested in under 25yrs old.

    Thanks in advance



Comments

  • Registered Users, Registered Users 2 Posts: 15,757 ✭✭✭✭elperello


    Is he a named driver in the Passat?

    Your best bet is probably an independent broker.



  • Registered Users, Registered Users 2 Posts: 399 ✭✭elaverty


    No his own insurance.

    Have tried numerous brokers and not interested in under 25s.

    My own insurer will do me a favour and make a exception for him on my trade policy as a name driver,business purpose only,

    That FAVOUR would cost 2G plus,which would more than double my premium.

    So favours like that I don't want.

    I can't understand where the difference is in insuring a car or a van.

    Wouldn't be carrying passengers in a van and could have upto 4 in a car,madness.



  • Registered Users, Registered Users 2 Posts: 2,045 ✭✭✭silver2020


    Talk to AXA - as in physically go into one of their branches.


    They can put a case to an underwriter and come back with a quote.


    If he only has use of the van during business hours and the van is not used for social purposes and continues to be insured on the Passat, you should get a reasonable quote



  • Registered Users, Registered Users 2 Posts: 399 ✭✭elaverty


    Might try that

    He is insured with Axa.



  • Registered Users, Registered Users 2 Posts: 70,172 ✭✭✭✭L1011


    Solo I'd expect it's going to be exceptionally hard.

    On a corporate/trade policy it should be easy enough - by the time I was 25 I'd probably done a million km in company vans (mainly AIG insured but also QBE at one point - not sure they are still in Ireland).



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  • Registered Users, Registered Users 2 Posts: 12,818 ✭✭✭✭galwaytt


    A friend of mine has a business and got a 21 Yr old insured on his Co LCV through insuremyvan.ie but yes, you're looking at 2k to do it.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • Registered Users, Registered Users 2 Posts: 4,632 ✭✭✭Aint Eazy Being Cheezy


    When did this happen? I had a commercial policy on a 1.9 Citroen Berlingo at 21/22 in my own name and with the ink barely dry on my full license and I was only paying around the €1500 mark. Would’ve been 2008/2009. And I had no trouble getting quotes. Jeez I’d hate to be only trying to get started in life now, they don’t stand a chance ☹️



  • Registered Users, Registered Users 2 Posts: 12,818 ✭✭✭✭galwaytt


    inside the last 2 years. 2008/9 is 12/13 years ago now: that's a long time in Insurance Land.

    Ode To The Motorist

    “And my existence, while grotesque and incomprehensible to you, generates funds to the exchequer. You don't want to acknowledge that as truth because, deep down in places you don't talk about at the Green Party, you want me on that road, you need me on that road. We use words like freedom, enjoyment, sport and community. We use these words as the backbone of a life spent instilling those values in our families and loved ones. You use them as a punch line. I have neither the time nor the inclination to explain myself to a man who rises and sleeps under the tax revenue and the very freedom to spend it that I provide, and then questions the manner in which I provide it. I would rather you just said "thank you" and went on your way. Otherwise I suggest you pick up a bus pass and get the ********* ********* off the road” 



  • Registered Users, Registered Users 2 Posts: 3,022 ✭✭✭Eggs For Dinner


    Your broker is doing you No favour if the driver is using the vehicle for anything other than YOUR motor trade business



  • Registered Users, Registered Users 2 Posts: 399 ✭✭elaverty


    He would be covered for trade purposes only.

    What's your point ?,



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  • Registered Users, Registered Users 2 Posts: 15,757 ✭✭✭✭elperello


    It's normal for commercial van policies to cover SDP as well as commercial use.



  • Registered Users, Registered Users 2 Posts: 3,022 ✭✭✭Eggs For Dinner


    My point is, as a named driver on a trade policy, he would only be covered for use in connection with the insured's business, not his own or anyone else's



  • Registered Users, Registered Users 2 Posts: 399 ✭✭elaverty


    Yep as the insurer said,and I said..



  • Registered Users, Registered Users 2 Posts: 3,022 ✭✭✭Eggs For Dinner


    Just trying to ensure you are aware of the limitations. Also, seeing that the driver had being making enquiries to take out his own policy, your trade policy will not cover him to drive a vehicle registered in his name. Again, only looking to offer advice.



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