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14 April 2015, 23:17
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#1
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Member
Country: UK - Scotland
Town: Acharacle
Boat name: Iolar
Make: Redbay
Length: 6m +
Engine: Suzuki DF175
Join Date: Sep 2012
Posts: 1,047
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Pickup Insurance
Evening all,
So I think I've decided on a tow vehicle: Nissan Navara Auto on a 2010 plate with 53k on the clock. I'm just having a look at insurance on gocompare.com and during the quote process it asks if I have any "Van NCB". If I select no then I get quotes back of >£1000. I've never owned a commercial vehicle before so my 15 yrs+ of NCB has been earned in cars. Does anyone have any experience in this area? Can one get car NCB taken into account? Even if I put 15 years NCB in I'm still getting quotes almost twice what I pay for the Exeo.
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15 April 2015, 00:45
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#2
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RIBnet admin team
Country: UK - England
Town: The wilds of Wiltshire
Boat name: Dominator
Make: SR5.4
Length: 7m +
Engine: Yam 85
MMSI: 235055163
Join Date: Jul 2005
Posts: 13,069
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I found with anything out of the ordinary-ie, not a normal Joe Bloggs type car- that comparison websites are a load of tosh.
Contact the companies direct or you'll rapidly find that in many cases what the comparison website asks for isn't what the insurance company itself wants to know.
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15 April 2015, 07:48
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#4
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RIBnet supporter
Country: UK - England
Town: Rutland
Length: no boat
Join Date: May 2006
Posts: 2,500
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Quote:
Originally Posted by Boatintercoms
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We have a fleet policy with NFU including the Nav 
I have the boat trailer on it to at their recommendation
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15 April 2015, 11:30
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#5
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Member
Country: UK - Scotland
Town: Acharacle
Boat name: Iolar
Make: Redbay
Length: 6m +
Engine: Suzuki DF175
Join Date: Sep 2012
Posts: 1,047
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Looks like we'll need to scrap the whole idea. Apparently I can't use my protected NCB on the Navara because I have a claim in the last year (minor bump at a junction, she got Alderney involved so I wasn't able to settle off the insurance). The best A-plan could do was £1800. Dunno if i'll be able to get my deposit back from the dealer. Looks like I'll just have to fry the Exeo's clutch.
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15 April 2015, 12:18
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#6
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RIBnet admin team
Country: UK - England
Town: The wilds of Wiltshire
Boat name: Dominator
Make: SR5.4
Length: 7m +
Engine: Yam 85
MMSI: 235055163
Join Date: Jul 2005
Posts: 13,069
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Buy a Hilux Surf as a stopgap and be done with it 
__________________
Need spares,consoles,consumables,hire,training or even a new boat?
Please click HERE and HERE and support our Trade Members.
Join up as a Trade member or Supporter HERE
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15 April 2015, 13:21
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#7
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Member
Country: UK - England
Town: Wakefield
Boat name: Bouncer
Make: Redbay Stormforce
Length: 6m +
Engine: 2x Honda 100 Hp
MMSI: 235025718
Join Date: Jun 2009
Posts: 4,177
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Pickup Insurance
Nfu is about the best don't bother with Adrian flux heard they have issues and are a bit like Dick Terpin 😳
A-plan and Nfu seem to come out best with the Defener brigade
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15 April 2015, 13:46
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#8
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Member
Country: UK - Scotland
Town: Acharacle
Boat name: Iolar
Make: Redbay
Length: 6m +
Engine: Suzuki DF175
Join Date: Sep 2012
Posts: 1,047
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Don't you need to be a farmer?
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15 April 2015, 13:49
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#9
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Member
Country: UK - England
Town: Wakefield
Boat name: Bouncer
Make: Redbay Stormforce
Length: 6m +
Engine: 2x Honda 100 Hp
MMSI: 235025718
Join Date: Jun 2009
Posts: 4,177
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Pickup Insurance
Nope give em a call office in elland
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15 April 2015, 19:45
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#10
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Member
Country: UK - Scotland
Town: Acharacle
Boat name: Iolar
Make: Redbay
Length: 6m +
Engine: Suzuki DF175
Join Date: Sep 2012
Posts: 1,047
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Just spent an hour on the phone with the NFU for a quote of £1120. Even with a voluntary £1000 excess it's still north of 900 quid! I don't understand why it's so expensive! I'm not even putting business use on it.
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15 April 2015, 20:02
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#11
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Member
Country: UK - England
Town: Wakefield
Boat name: Bouncer
Make: Redbay Stormforce
Length: 6m +
Engine: 2x Honda 100 Hp
MMSI: 235025718
Join Date: Jun 2009
Posts: 4,177
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Wow 😳 that's no good my 130 is about £600 for the full monty and carrying gas etc
The D4 is under £600
Try A-plan they seem to be well spoke of on Land Rover forums
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15 April 2015, 20:07
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#12
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Member
Country: UK - England
Length: 3m +
Join Date: Sep 2008
Posts: 2,767
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Coz if you hit something with it it gets proper mashed up.
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15 April 2015, 20:11
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#13
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Member
Country: UK - England
Town: Wakefield
Boat name: Bouncer
Make: Redbay Stormforce
Length: 6m +
Engine: 2x Honda 100 Hp
MMSI: 235025718
Join Date: Jun 2009
Posts: 4,177
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Quote:
Originally Posted by ShinyShoe
Coz if you hit something with it it gets proper mashed up.
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Yeh I've done that 😎
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15 April 2015, 20:14
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#14
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Member
Country: UK - England
Town: Wakefield
Boat name: Bouncer
Make: Redbay Stormforce
Length: 6m +
Engine: 2x Honda 100 Hp
MMSI: 235025718
Join Date: Jun 2009
Posts: 4,177
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Pickup Insurance
 
One burgered Audi TT 😁
I drove away she didn't
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15 April 2015, 20:54
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#15
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Member
Country: UK - England
Length: 7m +
Join Date: Jul 2006
Posts: 214
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I just bought a new Isuzu d Max blade after PX ing my Vw Touareg. Private use only, I was able to use my 10 years NCB and all for under £400.
The insurance was with Aviva arranged through my broker who is Mannings.
I much prefer to use a broker as they allways do all the leg work.
Comparison websites I have found just don't understand anything other than bog standard cars.
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15 April 2015, 21:22
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#16
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Member
Country: UK - Scotland
Town: Kyles of Bute
Make: Humber
Length: 5m +
Engine: Suzuki DF90
Join Date: Oct 2011
Posts: 258
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Ford Ranger private use less than £300 with Tesco. Full car NCD was accepted.
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15 April 2015, 21:24
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#17
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Member
Country: UK - Scotland
Town: Acharacle
Boat name: Iolar
Make: Redbay
Length: 6m +
Engine: Suzuki DF175
Join Date: Sep 2012
Posts: 1,047
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Quote:
Originally Posted by mick
Wow 😳 that's no good my 130 is about £600 for the full monty and carrying gas etc
The D4 is under £600
Try A-plan they seem to be well spoke of on Land Rover forums
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Tried 'em. Best they could do was 1600.
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15 April 2015, 21:27
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#18
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Member
Country: UK - England
Town: Wakefield
Boat name: Bouncer
Make: Redbay Stormforce
Length: 6m +
Engine: 2x Honda 100 Hp
MMSI: 235025718
Join Date: Jun 2009
Posts: 4,177
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Quote:
Originally Posted by Dan Gurney
Tried 'em. Best they could do was 1600.
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😳 robbing buggers it ain't as if you live in a dodgy area or owt
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15 April 2015, 21:34
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#19
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Administrator
Country: UK - England
Town: Brighton
Length: 3m +
Join Date: May 2000
Posts: 7,109
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Might be worth talking to Alan & Thomas http://www.alan-thomas.co.uk/about-us
They are the company that have recently been offering good prices on RIB insurance, but also sorted me out a good deal on my motor insurance when I couldn't get any sense out if anyone else.
Like phoenixpete said, unless you fit easily into the tick boxes then a decent broker is worth any number of comparison sites.
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15 April 2015, 21:41
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#20
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Member
Country: UK - Scotland
Town: Glasgow
Boat name: stramash
Make: Tornado
Length: 5m +
Engine: Etec 90
Join Date: Feb 2006
Posts: 5,090
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Quote:
Originally Posted by phoenixpete
I just bought a new Isuzu d Max blade after PX ing my Vw Touareg. Private use only, I was able to use my 10 years NCB and all for under £400.
The insurance was with Aviva arranged through my broker who is Mannings.
I much prefer to use a broker as they allways do all the leg work.
Comparison websites I have found just don't understand anything other than bog standard cars.
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I got a Dmax commercial 'van' quote for £422 December last year from go compare 19 years NCB right enough ?
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