Insurance, again!

Tim M · 19 November 2008, 16:33

After my trusty disco died on me recently (god rest her soul) I'm looking at getting a Navara. I've rung a couple of Insurance companies (Norwich Union and Direct line) and both told me its a commercial vehicle not a car. Fair enough. They both quoted me; £1700 and £1500 respectively, and thats with £650 excess. I nearly had a heart attack. Can anyone recommend somewhere that specialises in commercial policies that might be a tad cheaper? It's funny as my van is with Norwich Union and the insurance on that is cheap as chip.

Nasher · 19 November 2008, 16:42

Tim

I think the problem with the Navara is the 'Nickability' of it, which goes with its popularity.

Do you really want to limit your towing capacity?
It's in the region of 2.4 - 2.5tns, which is @ 1tn less than your Disco.
You are also I believe limiting your max speed on certain roads to 60mph not 70.

I've been with Priviledge for years now as nobody ever beats their renewal quote on my Shogun.

Nasher.

Tim M · 19 November 2008, 16:48

2700kg apparently. I'm not really too worried about that as I can't see my self towing anything that heavy. Both of my boats are well within that, and if I did end up with anything bigger I could still use the Navara to pull it out at the Camber slip for maintenance/scrubbing etc. I've seen photos of a Navara towing a big Quinquari Humber - that must have been well over weight (although shows it must be reasonable on a slipway). I'm sure Jimbo wouldn't mind me stealing his Disco for the occasional trip!

Doug Stormforce · 19 November 2008, 17:18

Quote:

Originally Posted by Tim M

I'm sure Jimbo wouldn't mind me stealing his Disco for the occasional trip!

Didn't know Jimbo had anything with an engine that actually worked

Tim M · 19 November 2008, 17:24

With regards the 60mph thing. It's odd; when I rang Norwich Union they originally didn't have a problem with it being a car. When I said I wanted business use on it it became a commercial vehicle. A Ford Fiesta doesn't become a commercial vehicle when you add business insurance onto it. So, would the police actually pull you over doing 70? Surly you could claim its just a car with business use on the insurance.

codprawn · 19 November 2008, 17:41

Try the NFU for insurance - they save me a fortune!!!

Tim M · 19 November 2008, 18:07

Tried Tesco compare - best one was just over £1k for a commercial policy. Thats more like it! That says its still day-light robbery.

Nos4r2 · 19 November 2008, 18:18

What model Navara where you thinking of?

Poly · 19 November 2008, 19:01

Quote:

Originally Posted by Tim M

So, would the police actually pull you over doing 70? Surly you could claim its just a car with business use on the insurance.

no - its a van - you don't decide that the DVLC/manufacturer/EU does.

How you register it, use it, insure it makes no difference to the speed limit.

Does the average copper realise its not a car - no. But when did you last see an average copper pull someone for speeding, either its automated cameras (and for example mobile cameras on bridges with ANPR will "know" the limit for your vehicle) or a traffic officer - who may know the rules.

Tim M · 19 November 2008, 19:18

That's a valid point about a "clever" speed camera knowing. Has anyone ever heard though of a pickup being done for being 10mph over the car limit? Am I right in saying it's just dual carriageways wheres its 60 for a van?

Nos. I'm looking at the D40 with the truck top thing that goes on the back.

Poly · 19 November 2008, 19:30

Quote:

Originally Posted by Tim M

Am I right in saying it's just dual carriageways wheres its 60 for a van?

urban 30
single cariageways 50
dual cariageways 60
motorway 70

doggypaddle · 19 November 2008, 19:31

My mate has a Navara, in my opinion its a good truck, however it does have some disadvantages, such as cost of insurance and getting the power on the road its well light on the arse end, and the engine has loads of grunt(chipped)its the most tail happy thing i have ever driven, it tail

slides all over the place.
no doubt its more reliable than a discovery, but cart springs and drum brakes are neolithic! even landrovers have coils all round and discs all round.
I wouldnt mind one though

insurance, try the NFU.

Searider · 19 November 2008, 19:50

Why not another Discovery?

Plenty out there cheap as chips.

Tim M · 19 November 2008, 20:16

I want to get something a bit newer really rather than another knackered old Discovery. I really like the look of the Navara, and it ticks all of my boxes: it can tow and will be good on the slipway, and with the hard top on the back means I can get rid of my van as all my gear will go in the back. A new style Discovery would be nice but they are still too expensive used. Plus theres a lot less space in the back of a Discovery than there is in the back of a Narava.

Hightower · 19 November 2008, 20:47

Quote:

Originally Posted by Tim M

That's a valid point about a "clever" speed camera knowing. Has anyone ever heard though of a pickup being done for being 10mph over the car limit? Am I right in saying it's just dual carriageways wheres its 60 for a van?

Nos. I'm looking at the D40 with the truck top thing that goes on the back.

Yes, the driver that uses the Works Pick-up got nicked doing 70 on a dual carrageway with centre reservation. He thought he was within the Law....The Law thought otherwise

Another 3 points and he's had to sell his car, as he can no longer afford the insurance.

bedajim · 20 November 2008, 08:16

Quote:

Originally Posted by Tim M

That's a valid point about a "clever" speed camera knowing. Has anyone ever heard though of a pickup being done for being 10mph over the car limit? Am I right in saying it's just dual carriageways wheres its 60 for a van?

80,000 miles so far and no problems with speed cameras and I don't see to many white vans doing 50 etc

You will only pay £180 road tax
Stick it through the company and sort the vat out
Run it as a company truck minimal tax as it's a truck maximum benefits
That should save the insurance money
What did you do a uni

M6 toll its a car

M25 Dartford crossing it's a truck

Cowes floating bridge it's a truck

Quote:

Originally Posted by Tim M

Nos. I'm looking at the D40 with the truck top thing that goes on the back.

Pick up two door two seat
King Cab two + two
4cab 4 door 5 seat

Have a look here www.nissan-navara.net

You can extent the warrantee to 100,000 miles or 6 years

you may need it

Jono · 20 November 2008, 10:02

Quote:

Originally Posted by bedajim

Run it as a company truck minimal tax

taxable as benefit of £3,500 (if fuel included)..ain't what I'd call minimal....

bedajim · 20 November 2008, 12:58

Quote:

Originally Posted by Jono

taxable as benefit of £3,500 (if fuel included)..ain't what I'd call minimal....

Which you pay either £700 or £1200 per year I believe

Floats my boat or pays puts to put the petrol in it

Below is the tax calc for the top Nissan and the mid range Disco(add extras to the Disco like tow bar etc you pay more)

This could all be crap but That's the way I see it

Used to run a Subaru WRX I remember the tears reading my wage slip when they changed the rules

Bigmuz7 · 24 November 2008, 23:35

Quote:

Originally Posted by Hightower

the driver that uses the Works Pick-up got nicked doing 70 on a dual carrageway with centre reservation. He thought he was within the Law

You must have some tight arsed bobbies round your bit

IMO a pick up is a dual purpose vehicle anyway, cos it is in the eyes of C&E, was it a two or 4 seater ?