I have had the joy of owning my van for 11 months now and just had the call from A Plan to renew my insurance. At A Plan it is insured as a commercial vehicle with social and domestic as well. Last year I had zero no claims due to not having had a commercial vehicle before. This year I have declared one year of no claims.
Since my ownership, I have made various alterations and mods to the van (see swamper build@The Van Cave ).
A Plan is aware of all the changes and adjusts the quote accordingly. As a result, the section to renew has come in at £1,250.
I have just been online and got a quote from LV. Interestingly LV have the van down as 2021 T32 199 4motion Kombi (still a commercial vehicle by virtue it's a T32 and used for social, domestic and work) but do not ask the vehicle's value, which A Plan does.
I also filled in the section on mods to include driving lights, suspension changes, added seats, and nonstandard alloys. I also ticked camper conversion as there was nowhere to add external hook up, increased leisure battery, power sockets inside, roof rack and roof box tent. I think these or similar results are standard on any camper conversion, i.e. pop top = roof box tent.
LV have quoted £575 fully comp.
The questions are, have I declared enough, or am I missing something completely, and as a sole trader, the van was purchased through my business but does it need specific commercial insurance as LV cover work as well?
Since my ownership, I have made various alterations and mods to the van (see swamper build@The Van Cave ).
A Plan is aware of all the changes and adjusts the quote accordingly. As a result, the section to renew has come in at £1,250.
I have just been online and got a quote from LV. Interestingly LV have the van down as 2021 T32 199 4motion Kombi (still a commercial vehicle by virtue it's a T32 and used for social, domestic and work) but do not ask the vehicle's value, which A Plan does.
I also filled in the section on mods to include driving lights, suspension changes, added seats, and nonstandard alloys. I also ticked camper conversion as there was nowhere to add external hook up, increased leisure battery, power sockets inside, roof rack and roof box tent. I think these or similar results are standard on any camper conversion, i.e. pop top = roof box tent.
LV have quoted £575 fully comp.
The questions are, have I declared enough, or am I missing something completely, and as a sole trader, the van was purchased through my business but does it need specific commercial insurance as LV cover work as well?
