good day guys,

 

Background first, Im a small scale gardener so i lug a lawnmower, strimmer and some tools around for work, hence needing the commercial insurance.  I also tend to drive to germany for a nice long skiing holiday and ski teaching in the winter, hence preferring an estate to a van.  am looking at a mark 2 octi vrs diesel as an upgrade from my mark 1 fabia vrs as it is bit small for all that i need from it.  was wondering if anyone had experience of getting insurance with commercial and a remap?  remap questions will go in specific forum area.

Have you called any of the Brokers on this forum since they seem slow to respond or anyone else yet to get a response direct from them?

What did you current insurer say?

Edited 10 April, 20179 yr by Awayoffski

That is my next step, was hoping to hear from some experience or from brokers in theory first.  Will give a few rings over the next few days.  Not too big a deal as Im sure its good to drive without a remap anyway.  Is always a faff calling insurers when you haven't bought the car yet.  Guess not many people are using these fun cars for commercial use.  My current insurer im not keen on keeping as just trying to add a friend for a few weeks holiday they were not at all helpful and we ended up getting temp cover for a much cheaper price.

 

thanks for the reply.

It is usually cheaper to buy a quick car for Business use than buying a 'Sporty' looking one that is not quick and then remapping it for Business use.

Plenty VW Group Hatches or Estates quicker than a Octavia vRS Diesel.  Some come with a 'Cloak of invisibility'.

which estates would you be thinking of?  i do like the skodas, same vw quality without stupid price tag on services etc just for a different badge.  if the insurance  causes faff about remap, sure will get by without.  always meant to do it on the fabia and never did, was fast and fun enough without.  cheers 

Audi or VW TDI's with more poke than Skoda offer, maybe even an Estate / Avant.

Hi,

If you need any help with insurance then please feel free to drop me a line. Most of commercial vehicle schemes can cater for re-maps, chips or tuning boxes.

Regards,

Dan.

insurance is insane, haven't spoken to my insurer at the moment, but the quotes on a comparison site for octavia petrol with remap and commercial are coming up cheaper than i was paying for unmapped fabia.  Hard to understand (impossible).  new car would be worth twice as much and with remap would definitely be faster.  Crazy world.

 

Thanks Dan for reply, will probably see what current insurer would charge for change on the rest of this years cover, if they are unreasonable will give you a buzz.

Comparison Site quotes are only any good if you actually are able to buy at that price shown and when you call them or they call you 

so often the figures change so far from what was on the site at the time.

 

Once i was buying cover that came up as being with Adrian Flux and then the calls starting coming in from other companies and when 

i spoke with Adrian Flux they were not even prepared to cover the vehicle or driver.

Edited 12 April, 20179 yr by Awayoffski

I have so far never had them go up, only down from quoted figures, fingers crossed that won't change.