jackwabbit 0 Posted October 5, 2004 Report Share Posted October 5, 2004 For all those who have like us had been banging your head against a brick wall when it comes to car or van insurance for young DJ’s may be interested in this information. For some time now we have been trying to get insurance for our 19 year old son Dave (DJSounds) as a student he was getting quotes of £2000+ TPFT for any old banger, as a self-employed mobile DJ the quotes of £3500+ TPFT he doesn’t have any No Claims Discount because he has been driving his mothers car for over 2 years. A few weeks a go we stumbled on a company called Direct Choice Insurance on the web, we filled in the online quote form & it came back with a price of £1536 TPFT on an Escort diesel van valued at £1500. Today he has just put a deposit on an old 1994 Escort diesel van valued at £1100, this only has 47,000 miles on the clock & although old it looks in good condition (only time will tell) So it was time to contact Direct Choice again. After giving them all the information they came back with a quote of £1390 TPFT with Zenith, that also includes legal protection and for use involving his business as a mobile DJ. Oh for those interested Norwich Union wanted £4800 http://www.dj-forum.co.uk/html/emoticons/scared.gif so much for quoting you happy! Their web site is Direct Choice Insurance Link to post Share on other sites
YourBigEvent 0 Posted October 5, 2004 Report Share Posted October 5, 2004 I'd have gone fully comp with Norwich Union http://www.dj-forum.co.uk/html/emoticons/tongue.gif .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
kazzachi 0 Posted October 5, 2004 Report Share Posted October 5, 2004 Why not try going about insuring it another way... insure the van as per normal... and then ask how much to insure for "goods in transit".... after all, he is only transporting the tools of his trade.... not holding a full on disco in the van! WE LOVE KAREN, AND IT'S GREAT TO HAVE HER BACK !!!! xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Link to post Share on other sites
Dukesy 0 Posted October 5, 2004 Report Share Posted October 5, 2004 Would it have been cheaper to insure the van yourself and name David as a named driver? I can see many for's and against's in this suggestion. But surely it must be at least cheaper? http://www.dj-forum.co.uk/html/emoticons/533.gif Link to post Share on other sites
DJ Marky Marc 0 Posted October 5, 2004 Report Share Posted October 5, 2004 you could also try setting up a ltd company and insuring it for any driver... <a href="http://www.djassociates.org"><img src="http://www.djassociates.org/anims/compres_banner.gif" alt="Join the DJ Associates Disc Jockey Association" border="0" width="468" height="60"></a> Link to post Share on other sites
jackwabbit 0 Posted October 5, 2004 Author Report Share Posted October 5, 2004 (edited) QUOTE (discodirect @ Oct 5 2004, 05:33 PM) Would it have been cheaper to insure the van yourself and name David as a named driver? I can see many for's and against's in this suggestion. But surely it must be at least cheaper? http://www.dj-forum.co.uk/html/emoticons/533.gif Yes it would have been cheaper, but I’m sure you can remember what it was like to have your own independence. http://www.dj-forum.co.uk/html/emoticons/whistling.gif He's been driving his mums car for the last 2 years & couldn't wait to get one of his own. And his mum said she's looking forward to having some petrol left in the car. http://www.dj-forum.co.uk/html/emoticons/laugh.gif Anyway he wants to build up some No Claim’s Discount. Edited October 5, 2004 by jackwabbit Link to post Share on other sites
YourBigEvent 0 Posted October 5, 2004 Report Share Posted October 5, 2004 QUOTE she's looking forward to having some petrol left in the car Which is scarey as she drives a diesel http://www.dj-forum.co.uk/html/emoticons/smile.gif .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
DJJ 0 Posted October 5, 2004 Report Share Posted October 5, 2004 (edited) It might be an idea to try www.confused.com and put the details in. You may find that this site only deals with cars, but when I put my van details in I was able to get quotes back with business class insurance. The cheapest quote I initially got was from www.budgetinsurance.co.uk (select Van from the front page). However, I decided to go through some of the top insurance quotes that were listed on Confused.com. I went to a company called MasterQuote (www.masterquote.co.uk) and they managed to get an even better price over the phone. I haggled with the sales rep and got RAC breakdown cover (top package) for about £50. I also got a named driver added for free as well. So, all in all, don't always take the cheapest Internet price. Give the insurance companies a call as well. Hope this helps. DJJ Edited October 5, 2004 by DJJ Link to post Share on other sites
jackwabbit 0 Posted October 5, 2004 Author Report Share Posted October 5, 2004 QUOTE (ADS Entertainments @ Oct 5 2004, 06:55 PM) QUOTE she's looking forward to having some petrol left in the car Which is scarey as she drives a diesel http://www.dj-forum.co.uk/html/emoticons/smile.gif Oh dear Andy, You are in trouble now, she reads this forum and asked me to send you this little present http://www.dj-forum.co.uk/html/emoticons/bash.gif http://www.dj-forum.co.uk/html/emoticons/sterb188.gif http://www.dj-forum.co.uk/html/emoticons/laugh.gif After 31 years of driving diesel & petrol cars, vans and even a bus with manual, automatic & semi-automatic gearboxes she hasn’t made that mistake (YET) Although we know plenty of people who have. http://www.dj-forum.co.uk/html/emoticons/071.gif Link to post Share on other sites
YourBigEvent 0 Posted October 5, 2004 Report Share Posted October 5, 2004 http://www.dj-forum.co.uk/html/emoticons/whistling.gif http://www.dj-forum.co.uk/html/emoticons/whistling.gif http://www.dj-forum.co.uk/html/emoticons/whistling.gif .....but what do I know ? Your Big Event Office:01803 813540 Direct: 0797 0717 448 e.mail:info@yourbigevent.co.uk Link to post Share on other sites
cavalierroadshow 0 Posted October 6, 2004 Report Share Posted October 6, 2004 QUOTE (kazzachi @ Oct 5 2004, 06:24 PM)Why not try going about insuring it another way... insure the van as per normal... and then ask how much to insure for "goods in transit".... after all, he is only transporting the tools of his trade.... not holding a full on disco in the van! if you carry disco gear in the van then you must declear that the goods ars disco equipment thats when the insurers load the policy because of the nature of the occupation of the driver dont be fooled if you declear for goods in transit and they dont know its disco and the van is involved in an accident if they find out THEY WONT PAY OUT my advice tell the insurers the trouth the same applys to all those djs/entertainers with SD+P policys carrying equipment in the car if the bobbies catch you or if you have an accident and the insurers find out the policy is VOID you must declear your extra occupation to the insurance company and as you know every insurer asks do tou have a part time job/occupation Link to post Share on other sites
ChrisPointon 0 Posted October 6, 2004 Report Share Posted October 6, 2004 Have to agree with Cavalier on this one. I know somebody whose insurer refused to pay out purely because he had added Alloys and Spot Lamps to his car. Since it was a non standard modification, and he had neglected to inform his insurer, he ended up losing out when his cover was declared void. Fortunately no other vehicles were involved so the loss was entirely his, but it could have worked out very expensive had he been in collision with another car. In short, insurers will do their best to wiggle out of ANY claim, so don't give them an excuse to void your policy, because the chances are, it'll happen when you need it the most. Not only may you find your cover removed, but you may end up with points and a large fine for driving without insurance. If you use the vehicle for any business, whether it is a car or a Van then tell them what business it is for. Yes, it will put your premium up, but that may be peanuts compared to paying out a large fine, and being liable for damage to a third party or street furniture if you are unfortunate enough to be involved in an accident and the cover is revoked. Insurance investigators do spend hours examining the scene and the vehicle, and the vehicle may be towed away for examination by investigators without your permission and impounded - this is standard procedure where serious injuries or fatalities have occured. You may find the PA system and Disco equipment a little hard to explain to your insurers, especially if they do a little digging and find out that you were on your way to a Social Club to do the disco for a wedding at the time of the accident. Then there is the Yellow Pages Advert with your phone number and address on it.... I agree that insurance companies are the modern day Dick Turpins and I would love to see the customer get the upper hand, but don't break the law or bend the rules to do so, because technically you are driving uninsured, and having that record will cost you more in increased premiums for a very long time, and what if carrying the equipment was found to be a contributing factor to an accident?. Link to post Share on other sites
jackwabbit 0 Posted October 6, 2004 Author Report Share Posted October 6, 2004 (edited) Can anyone explain why insurance prices have spiralled so much higher than wages? http://www.dj-forum.co.uk/html/emoticons/533.gif When I first became mobile in 1971 at the age of 16, I had a 250cc motorcycle, this cost me £15 to insure TPFT as a learner rider, which was the same as a weeks wages for a 16 year old in an unskilled job at that time. A couple of years a go my eldest son wanted to get a second hand 50cc moped at the age of 18, they wanted £1500. How many people get that much per week? I know for him that would have worked out about 12 weeks pay. http://www.dj-forum.co.uk/html/emoticons/wallbash.gif My own opinion of insurance companies is not repeatable on this forum. http://www.dj-forum.co.uk/html/emoticons/censored2.gif I’ll just go to say because motor insurance is compulsory, the insurance companies see this a an excuse to make money http://www.dj-forum.co.uk/html/emoticons/363.gif (you only have to see how many new companies are popping up & their profits each year) They are always keen to take your money & find any excuse not to pay out. http://www.dj-forum.co.uk/html/emoticons/boff.gif In short legalised theft! http://www.dj-forum.co.uk/html/emoticons/188.gif http://www.dj-forum.co.uk/html/emoticons/1106.gif rant over Edited October 6, 2004 by jackwabbit Link to post Share on other sites
ChrisPointon 0 Posted October 6, 2004 Report Share Posted October 6, 2004 It's all about looking after the 'Establishment'. For instance everything you have got to have is coincidentally also the most expensive 'bills' you'll get as well!. TV Licences, Community Charge, Gas and Electricity, Petrol - all rise on a regular basis. Why should the opportunity to 'cash in' on insurance be the exception?, Sadly, thats the current mentality of 'Rip off Britain', and I reckon that it will always be the same. I agree with what you've said, even 13 years ago, I was paying less as a newly qualified young Driver than I am at 31 years of age with full NCB. The more that people tolerate it and accept it, the more they'll get away with it. Like I mentioned regarding my Family in the US and Canada, where they have mentioned in the past that people in the UK don't complain enough, leads me to feel that we have only got ourselves to blame in some respects. In short, I believe that motoring is slowly being turned and aimed at an occupation solely to be enjoyed by the wealthy, like in the 1930's when the rich drove the first Motor Cars and the working class had horses and carts!. Link to post Share on other sites
kazzachi 0 Posted October 6, 2004 Report Share Posted October 6, 2004 Ill see if I can find out what insurance dels company uses.. he carries tens of thousands of pounds worth of audio and visual equipment about in the van ALL THE TIME....... On the point regarding insurance companies and djs..... most insurance companies do not even know how to categorise a dj... and in the main, we are put down as "manual labour"!!! Disco equipment is essentially audio/visual equipment.... and you should be able to get the gear covered as "goods in transit"... provided that your vehicle is suitable for the weight being carried - Anyone who carries their gear in a car and loads it to the hilt will obviously not get a pay out. WE LOVE KAREN, AND IT'S GREAT TO HAVE HER BACK !!!! xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx Link to post Share on other sites
ChrisPointon 0 Posted October 13, 2004 Report Share Posted October 13, 2004 Another recommended Insurer is Liverpool-Victoria and Insure-supermarket Link to post Share on other sites
HopDJ 0 Posted October 15, 2004 Report Share Posted October 15, 2004 I am insured on my own 206 as the lead driver, with my parents also added as additional drivers, at a cost somewhere like £2500. However, I am an additional driver on my parents people carrier (big engine...etc), and that I belive just tops 1k! Damn things insurance companies. To make me feel worse, insurance dips down in the UK after 25, but in places like France it's only 21!!!!!! Link to post Share on other sites
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