Bird_2112
Member Since: 27 Aug 2020
Location: SWANSEA
Posts: 79
  
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| D3.. car Vs Commercial insurance |
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Hi, Sorry for really having used this as an info resource the last 3 years as instead of swapping to a D3 then I stuck with another D2. Anyway that has been written off so going to move onto a D3. Looked at a '07 commercial yesterday and phoned Flux who I have been with for years to get a quote. Larger tyres, side steps, snorkel and HD bumper. Quote came in at £2100 and it had to be a new policy. Also had a quote for a pretty standard 2007 HSE just mentioning side steps and larger tyres. I have 4 months left on my policy (paid£380) just have to pay an extra £147. Seems a big difference for the commercial, do you think commercials would be a lot more to insure ?
Thanks,
Gareth
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 16th Oct 2023 3:03 pm |
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G3Z
Member Since: 16 Dec 2018
Location: South Wales
Posts: 586
 
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Yes. I’ve always found commercials more to insure. What you save on tax you end up paying on insurance. Defender 110 2.4 TDCi Utility Station Wagon.
2007 Disco 3 GS TDV6 Manual
200,000+ mile club 😎
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| 16th Oct 2023 7:12 pm |
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nigethecat
Member Since: 11 Sep 2016
Location: Marnoch
Posts: 4365
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Think my 2016 commercial was less than £500 a year fully comp with trailer cover as well, so have a good shop around  I want to see the sweets before I get into your windowless van... I'm not stupid!
Range Rover Velar SV Autobiography 2020
Carpathian Grey Defender Hard Top HSE X-Dynamic 2024
Corris Grey D4 Commercial SE 2016 (gone)
Zermatt Sliver 2007 D3 SE manual (gone)
Indus Silver D4 HSE 2015 (gone)
Bonatti Grey D3 HSE 2006 (gone)
White D3 S (LHD) 2007 (gone)
Firenze Red D4 HSE 2014 (gone)
Black RRS 3.6TDV8 2008 (gone)
Rusty Green Defender 110 1997 (gone)
Black FL2 HSE 2013 (gone)
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| 17th Oct 2023 8:09 am |
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Bird_2112
Member Since: 27 Aug 2020
Location: SWANSEA
Posts: 79
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Back in the late 2000's I swapped from a D1 commercial to a standard D1 after the engine failed and I am sure there wasn't any noticeable change in cost.
Thanks for the replies so far.
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| 17th Oct 2023 8:18 am |
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Brooklyn
Member Since: 05 Aug 2023
Location: Nottinghamshire
Posts: 11
 
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Having swaped from car to commercial a few times I've found that not many insurance companies are competitive at both, a new policy is normally the best option.
Be careful regarding your NCB, some companies won't it used on a private car once its been used on a commercial.
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| 17th Oct 2023 7:56 pm |
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Brooklyn
Member Since: 05 Aug 2023
Location: Nottinghamshire
Posts: 11
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Double post
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| 17th Oct 2023 7:56 pm |
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