Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
  
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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 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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 30th May 2020 12:26 pm |
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chugga90
Member Since: 13 Aug 2014
Location: Buckinghamshire
Posts: 446
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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
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| 30th May 2020 1:30 pm |
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Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
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So many companies have withdrawn from this sector, LV used to do it, now although I have 3 vehicles with them, they don't want to know.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 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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| 30th May 2020 1:39 pm |
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Moo
D3 Decade
Member Since: 13 Aug 2010
Location: UK
Posts: 14391
  
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A plan? New Defender L663 110 SE (known as Noddy!)
Sold Volvo XC90 R-Design (known as Basil)
Sold - D4 HSE (Known as Gerty)
No longer the Old Buses original owner 
231,000 miles and counting
05 S manual owned from March 2005
D4 Face lifted
Still original injectors and turbo
V8 Front brakes
BAS Remap, Allisport Intercooler and deCat
EGRs blanked
T-Max split charge
Hanibal Expeedition rack
Prospeed ladder
Duratrac tyres
IID BT
BAS FBH control
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| 30th May 2020 1:51 pm |
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Pelyma
Member Since: 06 Jan 2005
Location: Patching, Sussex
Posts: 15496
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Brian (BBDisco3) DS3 TDV6 HSE - Silver with Alpaca (old one) Gone
DS3 TDV6 HSE- Silver with Alpaca (new one) Gone
D4 HSE Lux - Montalcino Red Gone
Porsche Cayenne V8 Diesel S
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| 30th May 2020 1:55 pm |
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Kilovolt
Member Since: 29 Jun 2015
Location: South Derbyshire
Posts: 1064
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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.
 "Track day running - Don't put your foot back on the accelerator until your absolutely sure you don't have to take it off again"
Current Ride: D4 XS Commercial Baltic Blue SDV6 fully loaded with heated everything 
Track Days: BMW E36 M3 Evolution MY 1996 (3.2 Litre 377 BHP sat in 1,250 Kgs of car, with a pro safety cage and some serious braking power)
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| 30th May 2020 2:14 pm |
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Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
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Thanks, I'll have a look.
Dave 2011 Discovery 4 Commercial SDV6 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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| 30th May 2020 2:19 pm |
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Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
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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 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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| 30th May 2020 2:26 pm |
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chugga90
Member Since: 13 Aug 2014
Location: Buckinghamshire
Posts: 446
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Whilst googling for inspiration on my previous broker, found something called quote goat.
Not sure if this will help?
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
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| 30th May 2020 2:35 pm |
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Hardware
Member Since: 28 Jun 2016
Location: Hiding under the M60
Posts: 13018
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Pelyma wrote:Brian (BBDisco3)
+1 to that.
drop him a PM ?
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| 30th May 2020 2:52 pm |
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L319
Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2083
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Is it worth trying NFU mutual
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| 30th May 2020 3:54 pm |
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Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
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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 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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| 30th May 2020 4:55 pm |
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Trailered Movements
Member Since: 16 Jan 2020
Location: East/West Sussex Coast Borders
Posts: 1200
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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 (Gone)
2010 RRS TDV8 (Gone)
1980 OBLIC 4.0ltr Range Rover (went a long time ago)
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| 30th May 2020 5:08 pm |
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L319
Member Since: 14 Dec 2013
Location: Herefordshire
Posts: 2083
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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.
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| 30th May 2020 5:31 pm |
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BBDisco3
Member Since: 23 Nov 2008
Location: Cheshire
Posts: 3646
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"Used for towing and carrying your own goods" is very different to "Used for towing for carriage of goods for hire or reward"
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| 30th May 2020 5:36 pm |
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