Commercial Vehicle Insurance

Discussion in 'Motorhome Insurance General Discussion' started by Philiphall, Nov 5, 2013.

  1. Philiphall

    Philiphall Funster

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    Hi guys anyone know of a company that will insure my motorhome for business use including towing a trailer with commercial goods. I have spoken to caravan guard (who I am with at present) and they seem reluctant to give me a quote. Not sure if its because of the trailer or using the motorhome for business use. Also anyone know the best company for high mileage, caravan guard want to charge about £250 for every 5000 miles over the initial 8000 miles.
     
  2. ourcampersbeentrashed

    ourcampersbeentrashed Funster

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    have you tried safeguard?
     
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  3. camocam1

    camocam1 Read Only Funster

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    when I bought mh at first I added it to our fleet policy for business use which was with AXA insurance, from memory was about £1000 year (no trailer)
     
  4. dave newell lvs

    dave newell lvs Trader-Vehicle Services

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    It depends to some extent on what your business is I suppose. Our motorhome is on our motor trades policy and this includes towing trailers. I insure through a motor trades specialist broker "Arthur Marsh".

    D.
     
  5. Addie

    Addie Trader - Motorhome Wifi

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    Safeguard will cover your for commercial / business use.

    If you are towing / over 3.5T for "hire and reward" you may need to investigate if you should have a tachograph fitted.
     
  6. TheDogMan

    TheDogMan Funster

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    Over 3.5 for business/carrying goods use a tacho and operators licence needed
     
  7. Philiphall

    Philiphall Funster

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    Thanks for the replies still investigating quotes etc. with regards to towing I have seen on the DVLA website there is no need for a tachograph if towing a trailer with a motorhome
     
  8. Addie

    Addie Trader - Motorhome Wifi

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    I would be interested in a link to that (genuinely). Certainly if the trailer is being towed for personal use, then a tachograph is not required provided you are driving in accordance with your licence. The qualification for a tachograph is a train weight of over 3.5T and being used for "hire and reward".

    I think the chances of you being randomly stopped are slim to none, however you only need to be passing a VOSA checkpoint I can see how a motorhome towing a trailer might be worth a look.

    It is a complex and grey area. You have two options: Wing it, or try and seek written clarification from enquiries@vosa.gov.uk.
     
  9. TheBig1

    TheBig1 Funster Life Member

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    its not a grey area, any vehicle over 3.5t train weight towing a trailer for business use needs to be fitted with a tachograph and comply with drivers hours regs. motorhomes used solely for social domestic and pleasure towing a trailer are exempted from tacho requirements.

    its a big fine if you get caught

    i was stopped towing a car trailer behind a large van and had to prove that the towing use was not business connected. plus they wanted to check i was within maximum train weights which i was but only just
     
  10. TheCaller

    TheCaller Funster

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    NFU Mutual.

    Find your local branch here: http://www.nfumutual.co.uk/branches/

    Business use is standard with them, but I don't know how the carriage of commercial goods will affect things. Carrying your own business goods to use yourself at your destination is one thing, deliveries is another & carrying other people's goods for payment is a whole other ball game altogether.

    Anyone who uses their m'home for business use without carrying goods should certainly get a quote from them, as almost everybody else excludes business use altogether or applies a significant loading.
     
  11. pappajohn

    pappajohn Funster Life Member

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    have to agree....

    a motorhome used for professional carraige of goods becomes a goods vehicle....and that needs a tacho and will come under driving hours rules as well.

    as for enquiring at DVLA/Vosa, send 4 emails then take your pick from the 4 different answers. .
     
    Last edited: Dec 11, 2013
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