insurance. help!

[ellis12345]

im looking at buying an escort van as a cheap run around for work, as well as my current car, i currently have a vauxhall nova which has only done 30,000 miles and i dont want to be putting 200+ miles on it every week. a renewel offer on my nova has come through from the AA at £195 which is suprisingly cheap as i've just turned 21(i paid £750 for this year with elephant)
so i thought i'd give the AA a call and get a quote on an escort van, gave them the reg of the first one that came up on ebay and they wanted £2100 fully comp.......
seems a bit steep considering the offer on my nova. i've done a few searches on comparison sites and they are coming back at just over a grand.
wonder if anyone could help or if anyone has experience with this sort of thing.

please no comments like: scrap the nova or set fire to it and buy a decent car, heard them all before haha

[Toaster Pilot]

Buy an old MPV and take the seats out = van with cheap insurance. Especially with something like a Citroen Berlingo.

Commercial vehicles are expensive to insure.

[The Moose]

Set fire to it and buy a decent car!

No, seriously - do this!



It sounds as if someone/some system has fked up somewhere (hence the £195 quote). Get it done ASAP and worry about the rest later.

[GC8]

My guess would be that theyre not really interested in small commercials for young drivers.

[RB5Bird]

It's because you are insuring it as a second car (van), and therefore have no no-claims to use on it. I nearly got caught out by this. Bought a little fiesta as a run-a-round and had quotes of £110, brilliant, until I realised the no-claims scam. Luckily it was still only £330 to insure it.

Also, they don't like insuring vans, especially to young-uns. Don't know why. Try a specialist van insurer.

Good luck, and keep the Nova.

[ellis12345]

thanks, the cheapest ones are still coming up as £800 quid even if i say that i have 2 years no claims on a van....
ahh well, it looks like either fork out lots of money for a van and insurance or have to live with the fact i am slowly killing what was a perfect little nova up until 8 months ago.
waxoyl and underseal for christmas please

[Engineer1]

I bet with a van they start seeing the contents of the van in the quote, I wonder how many minor accidents end up more expensive because the guy can't be without his van for work or the contents of the van have been damaged (stock or tools. Or if it is a van for personal use the van getting broken into on the off chance the contents are worth something.