Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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My policy states;
Driving other cars
We will insure you whilst you are driving any other car within
Great Britain, Northern Ireland, the Channel Islands and the
Isle of Man providing:
1. The car does not belong to you or is not hired to you under
a hire purchase agreement.
2. You are driving the car with the owner’s express consent.
3. You still have your car and it has not been damaged
beyond cost effective repair.
4. You are aged 25 or above, at inception or last renewal
of this policy.
5. Your certificate of motor insurance indicates that you
can drive such a vehicle.
Important Note: the cover provided whilst you are driving
any other car is for Third Party only
It uses the word car, but i'm wondering if i could drive a small car derived van as i cant see anywhere it stating that it excludes vans?
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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It won't be for commercials . A car derived van is still commercial . Stop ducking and diving 
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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No.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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Nope you're not allowed to. I had a run in a few years ago after I borrowed a Berlingo van from my Grandad. I was 3rd party it's not on vans, got pulled and the copper felt sorry for me and if I got my Grandad to come and drive it away he would say no more. So don't try it, you could end up with 6 points
[Edited on 10-09-2013 by pow]
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Munchie
Member
Registered: 17th Jul 01
Location: I swap goats for mobile phones
User status: Offline
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Different polices all together. you cant actually gain NCB through a van to use on a car
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baza31
Member
Registered: 19th Apr 03
Location: yorkshire
User status: Offline
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Gary ain't bothered about 6 points , he collects them for fun
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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Christ, I drive vans all the time assuming I'm covered Would it apply to somethin like an L200 also?
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Gary
Premium Member
Registered: 22nd Nov 06
Location: West Yorkshire
User status: Offline
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quote:
Originally posted by baza31
Gary ain't bothered about 6 points , he collects them for fun
Clean licence 
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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quote:
Originally posted by Brett
Christ, I drive vans all the time assuming I'm covered Would it apply to somethin like an L200 also?
Yes it would, anything that you have have to insure on commercial insurance!
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Corsa_Sport21
Member
Registered: 13th Apr 08
Location: Leven, Fife. Drives : 205 GTi
User status: Offline
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quote:
Originally posted by Brett
Christ, I drive vans all the time assuming I'm covered Would it apply to somethin like an L200 also?
I don't drive vans alot but im the same, always assumed i was covered. Will mind this in the future.
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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I can believe it about vans I guess, but I'm not convinced about the L200, not when it's a private vehicle and a stones throw away from being a car anyway. It's not like I'm using it for anything other than private.
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Ben G
Member
Registered: 12th Jan 07
Location: Essex
User status: Offline
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Can you not insure l200's/navaras on a normal car policy then?
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Toby
Premium Member
Registered: 29th Nov 05
User status: Offline
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Don't know the answer to the above but for taxation purposes they are considered a commerical vehicle.
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pow
Premium Member
Registered: 11th Sep 06
Location: Hazlemere, Buckinghamshire
User status: Offline
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quote:
Originally posted by Ben G
Can you not insure l200's/navaras on a normal car policy then?
Not as far as I know!
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corsajay88
Member
Registered: 22nd Aug 11
Location: Upton, Cheshire
User status: Offline
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Not sure on how it works with l200's etc but my mrs's dad has a ford ranger and single cab ones are all considered commercial vehicles but crew cabs are considered private.
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John
Member
Registered: 30th Jun 03
User status: Offline
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If the pickups are classes as commercial(which I think most are for some sort of tax dodging) then you won't be allows to drive them.
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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I'm with admiral mine states "drive other vehicles" got pulled a few weeks ago in a transit van and he done all the checks and everything was fine so depends on who your with.
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scottyp1989
Member
Registered: 29th Jul 07
Location: Warley, West Midlands
User status: Offline
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quote:
Originally posted by Jay
I'm with admiral mine states "drive other vehicles" got pulled a few weeks ago in a transit van and he done all the checks and everything was fine so depends on who your with.
you just got lucky then, and no l200/navaras are all classed as comercial.
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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quote:
Originally posted by scottyp1989
quote:
Originally posted by Jay
I'm with admiral mine states "drive other vehicles" got pulled a few weeks ago in a transit van and he done all the checks and everything was fine so depends on who your with.
you just got lucky then, and no l200/navaras are all classed as comercial.
What do you mean I got lucky?
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l88fty
Premium Member
Registered: 9th Jun 12
Location: Lincoln, Lincolnshire
User status: Offline
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Every insurance policy is different, you need to ring them and check.
Also all these people talking about van insurance, have you actually insured a van?
Van's DO NOT have to be insured on a commercial policy, therefore NCB can be transferred from a van to a car and also on cetainly polices a van (for personal use) can be covered as "other vehicle" under 3rd party cover.
I have had a LDV Cub and a Renault Traffic(Ambulance Body) both insured as personal use (not commercial use) vehicles and moved my NCB from car to them and back to a car policy.
Bottom line, ring you insurance & check.
LN Customs - Lincolnshires Award Winning Enthusiasts Motoring Club
Web:lncustoms.co.uk Email: Lofty (Club Manager) Tel: 07876220929
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Jay
Member
Registered: 26th Sep 04
Location: Liverpool
User status: Offline
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As above insured and drove vans for years, I checked with admiral before I used the van and im covered.
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Welsh Dan
Member
Registered: 23rd Mar 00
User status: Offline
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I'd check to see what their definition of "car" is. Will be in the small print somewhere.
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