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Hire or Reward Insurance
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Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4
Hire or Reward Insurance

No trouble insuring £100k plus trucks and trailers, but having problems getting the right insurance to use my Disco Commercial for transporting 3rd party cars on a trailer.

Anyone out there that does do this for a living and could point me in the right direction please?

Carriage of Goods by Road is all well and good, but if the prime mover is not insured for Hire or Reward, the former becomes void.

Thanks

Dave
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #215023430th May 2020 1:26 pm
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chugga90
 


Member Since: 13 Aug 2014
Location: Buckinghamshire
Posts: 357

United Kingdom 2013 Discovery 4 3.0 TDV6 Commercial Auto Indus SilverDiscovery 4

Had a dabble into this in 2012ish.
I am sure it was with Sun Alliance, but the broker escapes me at the minute.
Thanks
Barry
 Discovery commercial tdv6 auto 2013
Volkswagen t6 lwb Kombi dsg 4motion 2018
Volkswagen t5.1 lwb single cab tipper 2013
Discovery commercial sdv6 auto 2014 gone and not really missed.
Range Rover Tdv8 gone
Freelander 2 I6 very sadly gone
VW t5 Dsg gone and missed 
 
Post #215024330th May 2020 2:30 pm
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Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

So many companies have withdrawn from this sector, LV used to do it, now although I have 3 vehicles with them, they don't want to know.

My broker has been trying for the last two weeks to find someone. The general norm is anything under 7.5 ton and they're not interested. A van yes, but not a Discovery, we even had one say they would insure a Defender but not a Discovery!

Got Adrian Flux looking at it, but would like another view.

It would appear unless there is a company that my broker doesn't know about, everyone is running around without the proper insurance.

Dave
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #215024530th May 2020 2:39 pm
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Moo
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Post #215025030th May 2020 2:51 pm
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Pelyma
  


Member Since: 06 Jan 2005
Location: Patching, Sussex
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England 

Brian (BBDisco3)
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Post #215025130th May 2020 2:55 pm
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Kilovolt
 


Member Since: 29 Jun 2015
Location: South Derbyshire
Posts: 914

United Kingdom 2013 Discovery 4 3.0 SDV6 Commercial XS Auto Baltic BlueDiscovery 4

I was insured, for the last 12-odd years, with AXA Van Insurance which included trailer usage. I have a Disco 4 Commercial.

I seem to recall though that was the value of the trailer and not necessarily the goods on board? You would need to double-check this fact.

Only this year did I go across to A-Plan but had not trailers requirements this time around.

https://www.axa.co.uk/van-insurance/

In the online quote, there is an option to 'tick' trailer cover.

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Post #215025430th May 2020 3:14 pm
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Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

Thanks, I'll have a look.

Dave
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #215025530th May 2020 3:19 pm
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Trailered Movements
 


Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

Had a look, waste of time.

Will only cover own goods if running a business, not 3rd party, but you only find out at the end.
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #215025830th May 2020 3:26 pm
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chugga90
 


Member Since: 13 Aug 2014
Location: Buckinghamshire
Posts: 357

United Kingdom 2013 Discovery 4 3.0 TDV6 Commercial Auto Indus SilverDiscovery 4

Whilst googling for inspiration on my previous broker, found something called quote goat.
Not sure if this will help?
Thumbs Up
 Discovery commercial tdv6 auto 2013
Volkswagen t6 lwb Kombi dsg 4motion 2018
Volkswagen t5.1 lwb single cab tipper 2013
Discovery commercial sdv6 auto 2014 gone and not really missed.
Range Rover Tdv8 gone
Freelander 2 I6 very sadly gone
VW t5 Dsg gone and missed 
 
Post #215026030th May 2020 3:35 pm
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Hardware
 


Member Since: 28 Jun 2016
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Ukraine 2011 Discovery 4 3.0 SDV6 XS Auto Sumatra BlackDiscovery 4

Pelyma wrote:
Brian (BBDisco3)


+1 to that.

drop him a PM ?
  
Post #215026730th May 2020 3:52 pm
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L319
 


Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2043

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Is it worth trying NFU mutual
  
Post #215027930th May 2020 4:54 pm
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Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

NFU only do vans or pick ups when used for your own business and equipment, or commercials over 3.5t, so my Disco falls into 'no mans land' so to speak.

Dave
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #215031330th May 2020 5:55 pm
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Trailered Movements
 


Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 761

United Kingdom 2011 Discovery 4 3.0 SDV6 Commercial Auto Sumatra BlackDiscovery 4

Apparently with every Tom, Dick & Harry running around in vans, many companies viewed 'light haulage' with these type of vehicles, as too risky with far too many claims, so left the market.

It is very likely that many operators are running around with technically the wrong insurance.

I have had a tachograph fitted, I run under a VOSA Operators Licence and am trying to do things legally, but there appears to be a gap in the market that others are falling between.

I know many that get round this by claiming to be recovery operations, but in reality transporting a vehicle that is not broken between two places that at least one is not where the recovery vehicle is registered to, is illegal, but no one cares until there is a serious accident.

I will be transporting high value vehicles and must have the right insurance, both for my peace of mind and the customers.

Dave
 2011 Discovery 4 Commercial SDV6
2010 RRS TDV8

Previous LR Product
1980 OBLIC 4.0ltr Range Rover 
 
Post #215031530th May 2020 6:08 pm
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L319
 


Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2043

United Kingdom 2005 Discovery 3 TDV6 HSE Auto Buckingham BlueDiscovery 3

Presumably a Disco. Commercial is an N1 goods class vehicle the same as a defender or transit up to 3.5 tonne . I cannot see why they should discriminate against a Discovery. Is there a different attitude if it were a passenger vehicle M1 . used for towing.
  
Post #215031930th May 2020 6:31 pm
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BBDisco3
 


Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3549

United Kingdom 

"Used for towing and carrying your own goods" is very different to "Used for towing for carriage of goods for hire or reward" Thumbs Up
  
Post #215032030th May 2020 6:36 pm
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