mad4x4
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| posted on 10/1/11 at 11:26 AM |
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OT: Tin Top Insurance Renewal
Any suggestion on best place to get Tin Top Insurance.
Vehicle is
Ford Ranger Pickup
3000cc
4WD
Want Social Dometic & Pleasure and Class 1 Business .
Every one I talk to says --- Ahhh but that a commercial vehicle (or Van) you can;t get Business Class 1 on that ? Ehhh surely people use these to go
to and from multiple places of work. With out loading up a ton of Bricks and a wheel barrow in the back....
But vehicle is registered as a CAR (PLG). I didn't buy it +VAT as it had been owned privately before me. I use it as a Car and put the Dogs in
the back at weekends etc.
I'm not a BUILDER!
Scot's do it better in Kilts.
MK INDY's Don't Self Centre Regardless of MK Setting !
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morcus
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| posted on 10/1/11 at 12:10 PM |
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My Dad had one and had to have commercial insurance (Which meant his NCB only counted as half when he replaced it). He Bought it for the same reason
as you, so he couldn't smell the dog whilst he was driving.
I don't know about business insurance but I doubt anyone will offer you normal car insurance as these trucks are legally designated
comercial vehicles (Which I believe brings tax benefits).
In a White Room, With Black Curtains, By the Station.
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Ninehigh
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| posted on 10/1/11 at 07:56 PM |
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In that case wangle it so the tax benefits outweigh the two-head-syndrome of having a commercial vehicle
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morcus
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| posted on 11/1/11 at 01:02 AM |
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Oddly enough my mum sat on a panel that decided some 4 dour pickups were still comercials a few years ago. I would have thought commercial insurance
would have some level of business insurance included anyway.
In a White Room, With Black Curtains, By the Station.
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mad4x4
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| posted on 11/1/11 at 07:20 AM |
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But not being a business and only being PAYE - I don't get the privilage of screwing over the tax man
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Ninehigh
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| posted on 11/1/11 at 07:20 AM |
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I think the point is that with commercial insurance you're treated like you have leprosy. When I became self employed I lost seven years of no
claims, when I stopped being self employed I lost the two years I'd built up from working.
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