Tippers been robbed and need to decide a new trailer or just carry on with van!!!

[westwood-landscaping]

Hi guys Im new to the site and I already have a problem. My trusty rusty 94 transit tipper got stolen last Friday night and was crashed through a hospital so I'm guessing is going to need some work. But I'm just wondering if its not worth repairing as its not worth claiming through my insurance as I'm only 23 and already getting stung for all three of my vehicles should I get a tipper trailer for my van just mainly for tree work as my main art of my business is driveways and garden maintenance. Does anyone else use the set up of a van and trailer?? And any pros or come to this set up?? Thanks in advance Adam.

[peatff]

What kind of van is it, how much will it pull and how much are you going to put in a tipper trailer to make it worthwhile ?

[westwood-landscaping]

My van is a 2010 Citroen relay swb its 3300gvw and its payload after tools and me and an employee is about 1200kg but I only have a 3.5 ton licence. And I'll probably carry a ton tops. I only do domestic work.

[Shane]

That's a fair deal of value to 'let go' to avoid an insurance hit.

Might be worth a chat with a local Insurance broker to discuss possible amounts - BEFORE you decide. Have you not notified your insurer of the theft yet?

The damage to the hospital will need to be paid for somehow anyway...

Maybe not worth repairing the van (it may be a write off) but surely you'll have to tell the insurers something?

[westwood-landscaping]

No they've been informed, everything has been sorted insurance wise I have,its just if I want to claim for the damages to the van which isn't worth it as my excess is more than the vans worth and would make my insurance unpayable . Its just myself now with the van that I need to sort??

[Shane]

No they've been informed, everything has been sorted insurance wise I have,its just if I want to claim for the damages to the van which isn't worth it as my excess is more than the vans worth and would make my insurance unpayable . Its just myself now with the van that I need to sort??

 

Fair do's I see what you mean.

 

If you found the van ideal for your purposes - maybe worth finding another.

If your license is a recent one the towing limits might preclude the option of a decent sized trailer. There are guys on here who can give you the run down on all the weights and so on better than I could (My license was issued in the Jurassic era).

[Mortimer Firewood]

I hate to tell you this but there going to take your no claims as there will be a claim against you from the NHS.

There going to load your policy.