Clean It Up
UK Window Cleaning Forum => Window Cleaning Forum => Topic started by: jo5hm4n on July 19, 2021, 06:16:30 pm
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You can see my previous post about my problems with getting van insurance as prices have gone up so much for me.
Well its only got worse and i just dont know what to do.
I used to get Van Insurance for £500-£700 per van per year. Happy days.
It's now gone up to £1500+ per van per year. This is using Van Compare to find the cheapest quote, and also had quotes from A-Plan and Alexander Swan all coming in for like £1500-£2000 per van per year.
What in the hell is going on? I am so confused. All the other window cleaners i'm speaking to including ones with 3-4 vans on the road all tell me they are paying £400 per year per van......
What am i doing wrong?????
My van insurance is to be renewed in 2 weeks and i honestly feel like crying at this point.
Now if all of you on here are also paying £1500 per van per year then happy days i will happily man up and get on with it. But everyone i speak to says they are paying £500 a year give or take a few hundred. That is why is making me want to tear my hair out.
Normally i keep my cool with everything, but i am actually really annoyed and angry at this point. I don't want to be paying £3000+ per year to have 2 vans insured.........
Just be to be clear this is with my insurance being aware that i have a water tank in the back whether its strapped/bolted down they are aware of the water tank. They were aware in the past though and the price was much cheaper.
How much are you all paying lads? (if you dont mind me asking)
About to start crying, maybe the heat is getting to me cant be arsedddddddddd
:-\ :-\ :-\
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£700 for me with Aplan. Renewed last November. Renault traffic van. I’m 33 years old with full no claims and 0 points on my license.
I could get it for as little as £400 but I prefer the service from Aplan.
Why do you think yours is so high?
Do you have no claims discount? Any accidents or points on your license? Do you have a really young driver on the policy?
If all insurance has gone up then Mayb I’ll notice in a few months, but I’m sure I’d of heard by now if it had doubled.
There must be a reason. ???
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We have 3 vans oldest is 2018 and pay less than £1200 for the lot , that’s with Alexander swan , what area are you in ? Is it a high crime area ?? Have you had any claims ?? What’s the ages ofstaff and have they had any claims ???
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i paid £588 this year for commercial van insurance fully comp with breakdown cover,9+years NCB....connect l2 240 limited(4 years old).....
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£700 for me with Aplan. Renewed last November. Renault traffic van. I’m 33 years old with full no claims and 0 points on my license.
I could get it for as little as £400 but I prefer the service from Aplan.
Why do you think yours is so high?
Do you have no claims discount? Any accidents or points on your license? Do you have a really young driver on the policy?
If all insurance has gone up then Mayb I’ll notice in a few months, but I’m sure I’d of heard by now if it had doubled.
There must be a reason. ???
£700 with A plan sounds decent. I have 2 years no claims on one van and 6 on the other van. No accidents or points. Im the youngest driver at 28 years old.
I just dont get it.
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We have 3 vans oldest is 2018 and pay less than £1200 for the lot , that’s with Alexander swan , what area are you in ? Is it a high crime area ?? Have you had any claims ?? What’s the ages ofstaff and have they had any claims ???
See that is so good thats what i need! I live in North Wales. Crime is low, not an urban area at all. No claims. Im the youngest driver 28 years old..
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We have 3 vans oldest is 2018 and pay less than £1200 for the lot , that’s with Alexander swan , what area are you in ? Is it a high crime area ?? Have you had any claims ?? What’s the ages ofstaff and have they had any claims ???
See that is so good thats what i need! I live in North Wales. Crime is low, not an urban area at all. No claims. Im the youngest driver 28 years old..
Sounds very strange have you looked at multi van insurance which one policy covers all vehicles ?? Just a thought ???
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itll be your age and not much no claims bonus.....£1500 sounds ridiculous though...id try at least 2 or 3 comparison sites if i were you...also martin lewis says to insure your vehicle 3 weeks before it runs out as this is the sweet spot for cheaper quotes apparently.....
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i paid £588 this year for commercial van insurance fully comp with breakdown cover,9+years NCB....connect l2 240 limited(4 years old).....
Similar price and van as Daz, same no claims but I'm 64
A Plan
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£179 with Gladiator, tank and other mods declared and off road cover.
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I pay £280 per month for 3 vans
1 trafic 2 partner vans
Am with admiral
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I pay £280 per month for 3 vans
1 trafic 2 partner vans
Am with admiral
Dear me that’s £3,360 per year 😰😰😰😰 that’s a lot
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Bit of a slap in the face but hey ho what can u do
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I just did a quick quote on confused.com for my pickup. Without a watertank declared the price was around £500, with the tank declared as a modification it went up to £1500 :o. Maybe we are starting to be penalised for having a water tank fitted?
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Less than £200, fully comp with protected no claims, legal cover and some other bits and bobs if I remember correctly.
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less than £200 seems like a ridiculously low price to pay for van insurance in this day and age!mines not been that low for 20 years!you must live in a low crime area and drive an old banger! ;D
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less than £200 seems like a ridiculously low price to pay for van insurance in this day and age!mines not been that low for 20 years!you must live in a low crime area and drive an old banger! ;D
I never lock my van Daz, never needed to. :-*
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less than £200 seems like a ridiculously low price to pay for van insurance in this day and age!mines not been that low for 20 years!you must live in a low crime area and drive an old banger! ;D
52, very rural, one truck is 20 years old the other 12. Both trucks still worth what I paid for them. Off road cover is a must for me.
Modifications - both for work and for off road use weren't an issue.
Full protected no claims on both + another non-commercial car policy with full protected no claims too.
Sounds like a combination of things but primarily an excellent broker who listens to what you need rather than just sells you a policy.
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Slightly off topic but how have you modified your vans for off road use, E&M?
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Slightly off topic but how have you modified your vans for off road use, E&M?
It's just cosmetic mods: Alloys and larger tyres from a higher spec version, rock pushers, tail bar, leather interior.
Getting off road use was the issue. I pick up my water from our field and initially, none of the insurance companies would cover me to drive across it. It was ludicrous!
Apparently, off road exclusions are normal in insurance policies - worth remembering if you're not on tarmac.
Several companies I spoke to / argued with told me if I dared drive across our own field it would void the policy.
Eventually, I found Gladiator, who seem to operate from a common sense policy - refreshing.
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Insurance will vary depending on location, drivers, no claims, and the tank
My doblo is £500 - fully comp any driver
Relay is £1400 - fully comp any driver
Relay has 1000 ltr tank - if I dropped it to 600 I’d take a third off the insurance
I would also be aware no everybody gives the full disclosure as to whether they have a tank on board and if it’s fixed or not
Basically it’s a cost and this needs to covered in your pricing for work
Darran
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2 x 2012 caddy’s - £280 ish each with two drivers
6 years no claims
I found multi van was more expensive
Just went through comparing site .
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Mines about £300, transit custom 6 years no claims
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After spending the night crying and sweating thanks to the current heatwave i think i have some good news guys!
Spent literally 4 hours using every single comparison site, phoning up other insurance companies including all the usual suspects not on comparison sites this is my current situation.
Current price for main van = £1427 per year
Current best renewal second van = £1562 per year.
Spoke to Admiral who i use for both cars, and they have recently started doing Van Insurance aswell.
They have quoted me as follows
Main Van = £911.39
Second Van = £427.84
Combined Policy = £1339
I am over the moon with this. I've cut my price in half! Way better than what i was paying before.
I will sign up with Admiral in the morning.
If anyone has issues with their expensive renewals or cant get a good deal try and give Admiral a call. They are coming in way cheaper than anyone else for me, and to be clear this includes both vans declaring water tanks.
:)
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After spending the night crying and sweating thanks to the current heatwave i think i have some good news guys!
Spent literally 4 hours using every single comparison site, phoning up other insurance companies including all the usual suspects not on comparison sites this is my current situation.
Current price for main van = £1427 per year
Current best renewal second van = £1562 per year.
Spoke to Admiral who i use for both cars, and they have recently started doing Van Insurance aswell.
They have quoted me as follows
Main Van = £911.39
Second Van = £427.84
Combined Policy = £1339
I am over the moon with this. I've cut my price in half! Way better than what i was paying before.
I will sign up with Admiral in the morning.
If anyone has issues with their expensive renewals or cant get a good deal try and give Admiral a call. They are coming in way cheaper than anyone else for me, and to be clear this includes both vans declaring water tanks.
:)
There you go what did I say about multi vehicle policy’s 😂😂😂😂
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I would ignore all these 250-300 quid quotes they can’t be telling people they have a water tank in the van,basically driving around uninsured.
I good guide is 440-500 quid a year without another named driver.
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I would ignore all these 250-300 quid quotes they can’t be telling people they have a water tank in the van,basically driving around uninsured.
I good guide is 440-500 quid a year without another named driver.
ALL my mods are declared in great detail as is the specific type of cover I require, namely off road use - there is no other way to do this.
I live in the 2nd cheapest insurance area in the country, have multiple policies with good history and full NCB.
The sub-£200 quote is completely realistic based on my circumstances and it's the third year in a row.
My total cost is £461 for both Rangers - both modded and both with decent terms and conditions.
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I would ignore all these 250-300 quid quotes they can’t be telling people they have a water tank in the van,basically driving around uninsured.
I good guide is 440-500 quid a year without another named driver.
You should use all that money you earn and move out of the current sh*t hole that you live in then!👍
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Im with Admiral 800l tank they were best price i could get
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I would ignore all these 250-300 quid quotes they can’t be telling people they have a water tank in the van,basically driving around uninsured.
I good guide is 440-500 quid a year without another named driver.
You should use all that money you earn and move out of the current sh*t hole that you live in then!👍
🤣🤣 yeah you’d like my poophole.
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£179 with Gladiator, tank and other mods declared and off road cover.
Same here but mine was £215
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£179 with Gladiator, tank and other mods declared and off road cover.
Same here but mine was £215
They really are excellent.
I like that they sell what you need, not what they think you need
Been with them about 5 years now and they get better with age.
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Was with Gladiator once. Excess was about £800! :o
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Was with Gladiator once. Excess was about £800! :o
Wow!
Mine's £150
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After spending the night crying and sweating thanks to the current heatwave i think i have some good news guys!
Spent literally 4 hours using every single comparison site, phoning up other insurance companies including all the usual suspects not on comparison sites this is my current situation.
Current price for main van = £1427 per year
Current best renewal second van = £1562 per year.
Spoke to Admiral who i use for both cars, and they have recently started doing Van Insurance aswell.
They have quoted me as follows
Main Van = £911.39
Second Van = £427.84
Combined Policy = £1339
I am over the moon with this. I've cut my price in half! Way better than what i was paying before.
I will sign up with Admiral in the morning.
If anyone has issues with their expensive renewals or cant get a good deal try and give Admiral a call. They are coming in way cheaper than anyone else for me, and to be clear this includes both vans declaring water tanks.
:)
you may start crying again when you have to deal with them ;D ;D ;D ;D ;D
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I wouldn’t worry about the excess I wouldn’t put a claim in under a couple of grand anyway it’s major hassle most of the time,1 thing you want to make sure you have is a replacement van cover I’ve just had this in the last week and although it was a terrible setup and I hated the van it kept me going over the last week or so.