r1_pete
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| posted on 7/2/09 at 10:51 AM |
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Pickup for personal use insurance
I'm still considering buying an L200 pickup for private use, but, all the insurance companies I've tried assume it is for own business
use.
Does anyone on here use a 4 seat 4x4 pickup as a private car, and where did you get insured?
Cheers.
Pete.
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JoelP
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| posted on 7/2/09 at 10:59 AM |
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Most SDP policies ive had include use in connection with your business, so it might not be costing you any more, unless they are quoting for a
commercial policy. Cant see why it would be a problem, i insured a van as SDP use a long time ago.
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eznfrank
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| posted on 7/2/09 at 11:15 AM |
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Is it the double cab pickup? Most Insurers treat those as a "lifestyle pickup", and insure as normal car whereas single cab is classed as
commercial.
[Edited on 7/2/09 by eznfrank]
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hector
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| posted on 7/2/09 at 01:23 PM |
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Hi I used Adrian Flux for my P100 pick up insurance no problem, they did it for private use
cheers
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mr henderson
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| posted on 7/2/09 at 02:35 PM |
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The four door pickups are basically tax dodges, people who are registered for VAT can reclaim the vat on purchase or lease payments, and still use it
for shopping and picking up the kids.
Perhaps insurance companies have realised that while HMRC either haven't or are turning a blind eye to it
John
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JoelP
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| posted on 7/2/09 at 02:58 PM |
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quote:
Originally posted by mr henderson
The four door pickups are basically tax dodges, people who are registered for VAT can reclaim the vat on purchase or lease payments, and still use it
for shopping and picking up the kids.
Perhaps insurance companies have realised that while HMRC either haven't or are turning a blind eye to it
John
If you use it for personal use as well as commercial, then you cant claim back the full amount of VAT. When you get inspected they will be asking
probing questions about what it is used for!
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mr henderson
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| posted on 7/2/09 at 03:09 PM |
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quote:
Originally posted by JoelP
quote:
Originally posted by mr henderson
The four door pickups are basically tax dodges, people who are registered for VAT can reclaim the vat on purchase or lease payments, and still use it
for shopping and picking up the kids.
Perhaps insurance companies have realised that while HMRC either haven't or are turning a blind eye to it
John
If you use it for personal use as well as commercial, then you cant claim back the full amount of VAT. When you get inspected they will be asking
probing questions about what it is used for!
Absolutely. I expect most users of these vehicles claim that it's only 90% commercial use!
John
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Danozeman
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| posted on 7/2/09 at 04:15 PM |
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Sureterm advertise 4x4 insurance so may be worth a try..
if you go with them tell them i sent you and quote my refernce and il get 20 quid of my renewal next year 
[Edited on 7/2/09 by Danozeman]
Dan
Built the purple peril!! Let the modifications begin!!
http://www.eastangliankitcars.co.uk
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