Truck insurance

[flatyre]

Need some clarification here. Currently have my Vivaro Panel van with Admiral van insurance but just phoned them up to get the Citroen Relay crew cab tipper on a joint policy and was asked if its a standard panel van which it is on the tax book. But when I explained it was a tipper they wouldn't touch it. They kept telling me if its not a standard panel van it must have been converted from one. I explained the whole chassis thing and how it left the factory as a chassis cab and probably had the tipper body fitted by a specialist coach builder, but was still on the factory chassis. Like talking to a brick wall! Anyway is my tax book wrong, and if not can I just insure it as a panel van as that's what it says on the book, and try to explain that it isn't a converted panel van, or just insure it as a tipper with someone like Aviva?

[richy_B]

With insurance you need to declare fully. If you say its a panel van and it isn't then you give them a way out in the event of a claim. Shop around, someone will take your money.

[Mark Bolam]

Loads of companies won't insure tippers full stop, including Direct Line. Even they can't tell me why.

Insuring it as a panel van would be the same as not insuring it, but would cost you a lot more.

[Gary Prentice]

5 minutes ago, Mark Bolam said:

Insuring it as a panel van would be the same as not insuring it, but would cost you a lot more.

PNC would probably show it as being insured though, so you wouldnt keep getting stopped

 

 

[Mark Bolam]

FFS sake Gary I'm trying to offer sensible advice as I approach middle age!

Fair point, like....

[Gary Prentice]

why change a habit of a lifetime?

[flatyre]

fair point guys, I don't want it insured just so I can say I have insurance, I want it insured so I actually have insurance. It is daft though that they only insure panel vans and I have a tax book which says its a panel van.....which they won't insure. But would rather have it insured right as no doubt when it comes to a claim they can afford better lawyers, and as we all know guilt is worked out on a calculator.

[Mark Bolam]

Good stance.

NFU do proper insurance at a price.

The price comparison websites are a joke.

Any recommendations out there?

Please no 'I'm 22 and my Transit is insured fully comp for £300' dickhead replies please.

[eggsarascal]

Following hucks tag line...... I can only speak from my own experience. I had no problem insuring tippers with Aviva, reaonably priced and paid out when needed.

 

That said I haven't had a tipper for a while.

[richy_B]

I have a t350 tipper insured with Aviva as well. When I had a claim (albeit not a tipper) they were easy to deal with and paid out quickly.