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Thread: Can I transfer my car insurance to a commercial vehicle?

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  1. #1

    Default Can I transfer my car insurance to a commercial vehicle?

    Hello All,
    Can I transfer my car insurance to a commercial vehicle?
    Please provide some comments about my question.

  2. #2
    Join Date
    Dec 2008
    Location
    Grantham, Lincolnshire, England.
    Posts
    607

    Default Re: Can I transfer my car insurance to a commercial vehicle?

    perhaps; depends on you, your insurer, the vehicle you have currently and the proposed vehicle and whether you intend using it for commercial purposes. commercial insurance is a different animal from normal fixed menu stuff and you will need to approach an insurance company direct or contact a specialist broker...

    one requirement of the fixed menu brigade is to switch their brains off at the door and read only from the script... even if you intend using a van privately a lot of companies will assume you will be moonlighting and give you a very discouraging quotation or decline cover altogether.

    computers have allowed the insurance industry, like many others to become (keep it polite) silly! with written proposals an explanatory note could be made. no such notes can be made with computerized forms - a box must contain an answer the programme recognizes or you cannot proceed...
    an old fellow i know bought a mercedes vito and equipped it as a disabled day van for his wife - carpeted, ramps, wheelchair clamps, swivel seating, chest of drawers, toilet and other home comforts. he then tried without success to transfer his motor home insurance. his only option was to cancel his existing cover entirely and cover his vito with dedicated commercial van cover at a much elevated cost. at 79 years old he would have been unlikely to be doing much moonlighting... stupid, stupid, stupid!

  3. #3

    Default Re: Can I transfer my car insurance to a commercial vehicle?

    Hello Verne,

    But I am not using in commercial purpose for transfer my car insurance to a commercial vehicle...

  4. #4
    Join Date
    Dec 2008
    Location
    Grantham, Lincolnshire, England.
    Posts
    607

    Default Re: Can I transfer my car insurance to a commercial vehicle?

    i assume as you seem to have connections to the insurance "industry" you are conducting some sort of market research for them or for your own interest? or are you just being silly?

    as i said previously the insurer will assume you are lying and even if they believe that you are going to use the van privately they will pretend not to believe in order to squeeze a few extra quid out of you.
    in the face of the current inefficiencies of computerized insuring anyone who can insure a van as a private vehicle is very lucky...

    insurers insist on the most stupid things; which reflect their ignorance on the subject, or at least their unwillingness to be fair to their customers... they even insist on original fitment tyres; if your car was fitted with v rated tyres by the manufacturer you should not try and save a few quid by fitting s or h rated tyres because you could find your insurance invalid... how stupid is that with a speed limit of 70 mph in this country? better quality tyres are often fitted as oe, not because the vehicle has a high top speed, but because it is a cheap way to obtain a superior ride and saving a few quid by downgrading as the car gets older is a sensible economy.

  5. Default Re: Can I transfer my car insurance to a commercial vehicle?

    I think every insurance company have own policy, you can ask to agent.
    He will guide you better.

    Quote Originally Posted by car8788 View Post
    Hello All,
    Can I transfer my car insurance to a commercial vehicle?
    Please provide some comments about my question.

  6. #6

    Default Re: Can I transfer my car insurance to a commercial vehicle?

    Quote Originally Posted by watson05 View Post
    I think every insurance company have own policy, you can ask to agent.
    He will guide you better.
    I am sure you can, but I am also sure it will cost you top dollar. Some charge 30 to 50 just for changing your address, robbing swine.

  7. #7

    Default Can I transfer my car insurance to a commercial vehicle

    Hi. Can anyone help? Im looking for a car insurance company that can insure my English car for UK cover them up to 6 months European cover but Im struggling. All the ones Ive looked at do max 90 days.... but surely there must be someone that can offer this Please help

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