Tipper insurance

[T & C Tree Services]

soooooooo glad ive read this ive just insured my transit and escort with them on multi car and its cheaper than i was paying just for the tipper last year......... id recommend them for everyone, cut the middleman and go direct to aviva.......excellent company to deal with......

 

Yep! I did the same. Do the usual comparison bollocks etc and was recommended to try Aviva! Haven't looked back! Well happy! Trust ins couldn't touch them!

[jaime bray]

Have just taken out new insurance on newer van. Old van for some reason was insured as a tipper, but was documented as a van, as their system wouldn't allow the correct vehicle description to be documented. Had cover letter from company saying that although the cert said 190 transit van, they and the underwriters were aware it was a tipping vehicle. Whether this would have stood up in court I do not know.

 

However, new van, is log booked as a t350 140, specialist body fitted, when I continually kept re-emphasising it was a tipper with toolbox etc, and that I believed it had been modified, they eventually agreed that they were unable to insure modified lorries.

 

Also, had a 74 year old driver on policy and although some companies were claiming that they were able to insure said aged driver, a company that have friend work at, said that the underwriter for the cheapest broker does not insure tippers, or drivers over 65.

 

First company claim that they have special buying powers with underwriter? Whilst this isn't unheard of I was sceptical and ended up going else where.

 

As for declaring that the vehicle had a flashing orange beacon, well that just released a whole can of whoop ass on me.. Practically having hissy fits on the phone claiming that beacons are often un-insurable under standard policies, because they enable you to just pull up anywhere and consequently cause an accident.

 

Tell them every last detail of your vehicles if I was you.. Do not give them a chance to worm their way out of paying up should it all go wrong one day

 

People say just tell them it is a transit tipper, but you really are best to inform of everything. Mines got a scratch below the front bumper on their records now... haha

[gensetsteve]

Mines insured with nfu but only because it was fitted by an approved bodybuilding company and carries a serial no for the tipper conversion. If you go home made nfu wont touch it.

[jaime bray]

Mines insured with nfu but only because it was fitted by an approved bodybuilding company and carries a serial no for the tipper conversion. If you go home made nfu wont touch it.

 

The difference is knowing how to ascertain when you buy a second hand wagon as to whether the body was fitted by 'approved' body builders, or factory fitted or the old 'homemade'. Most of the onestop bodies by ford are factory fitted, but I wouldn't know where to start for identifying others.

Is that the case then as you say, an 'approved body' will have a serial number for certification means I presume?

[Dean Lofthouse]

Just had a quote from Aviva, they have beaten NFU, who I am currently with by £280 and that with £250 excess instead of NFU,s £400

[Mark Bolam]

That's very good to hear Dean.

My renewal with NFU is coming up shortly....

 

Incidentally, why do some companies, Direct Line included, refuse to insure tippers? (factory fitted, home-made bodges, doesn't matter, they just won't do it).

 

I just can't see how the risk is increased to an unacceptable level.

[gensetsteve]

The difference is knowing how to ascertain when you buy a second hand wagon as to whether the body was fitted by 'approved' body builders, or factory fitted or the old 'homemade'. Most of the onestop bodies by ford are factory fitted, but I wouldn't know where to start for identifying others.

Is that the case then as you say, an 'approved body' will have a serial number for certification means I presume?

 

If it was fitted by bolter or tip master it will have a certificate and serial plate pop riveted on. If it was an original ford tipper body no problem but if you tell porkys and have a nasty accident and they look into it they can wriggle out of a claim. I think tippers are bad news for insurance due to the overloading,type of work and locations and possible injury to public from load as it tips.

[Shane]

That's very good to hear Dean.

My renewal with NFU is coming up shortly....

 

Incidentally, why do some companies, Direct Line included, refuse to insure tippers? (factory fitted, home-made bodges, doesn't matter, they just won't do it).

 

I just can't see how the risk is increased to an unacceptable level.

 

Why not insure tippers?

From my old days in insurance their worry is that an open back truck could have ANYTHING chucked into it (not necessarily by the owner/driver) so it could end up being driven through the town centre spreading asbestos dust or whatever.

You will also find that skip lorries are bad news to insure. The fleet policy that my old company operated would not cover a fleet if they had ANY skip lorries at all.

 

Once again its the old 'theres a faint chance' excuse against common sense.

I'm so glad I got out of that rat-race industry.

[Mark Bolam]

They will insure dropsides though, just as easy to overload or fill with crap.

 

I wouldn't insure skip wagons either.

Have you seen how fast those blokes drive?....

[eggsarascal]

Just got my insurance certificate for the jeep. After wrangling over how many years no claims I have got. It's insured as social, domestic and pleasure as I use my van for work. The insurance excludes me from using the jeep to and from work. What's that all about ?