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Posted: Sun Jun 12, 2011 7:51 pm
by Pablo
Yup the Insurances are up this week and in my infinate wisdom I've also managed to coincide it with the Vans and car tax so it's beans on toast for a few weeks. Vans coming in at £482 fully comp for any dirver over 25 and got a blinding price on public and emp liability of £398 from NFU. Thats nearly half last years and has the same cover which allows us to do public works and have 4 + me staff. A bonus on this one is that it classes me as an employee so I can twat away at myself safe in the knowledge that I can sue myself. What sort of pricing do you fellas get.
Posted: Sun Jun 12, 2011 8:18 pm
by lutonlagerlout
all vehicles and PL with NFU
gone up 20% this year but still the cheapest
cant recall the exact figures but think the cabstar is £700 fully comp
LLL
Posted: Sun Jun 12, 2011 8:22 pm
by Carberry
Mine is up for renewal in November. All up it was £2000 last year, not sure on the breakdown but that is for public and employees liability, transit and nissan navara. I pay stupid prices because of hazardous goods.
Posted: Sun Jun 12, 2011 8:36 pm
by local patios and driveway
with 15 points on my license my tipper is just shy of 2800 for the year... my liab and emp insurance for me and 2 labourers is 488.
Posted: Sun Jun 12, 2011 9:20 pm
by joydivision
local patios and driveways wrote:with 15 points on my license my tipper is just shy of 2800 for the year... my liab and emp insurance for me and 2 labourers is 488.
15 points!! You shouldnt be on the road should you.... 
I was glad when my 5 came off!!
JD
Posted: Sun Jun 12, 2011 9:35 pm
by local patios and driveway
problem in court is that if i lose my license, me and my four kids go on benifits. i dont want that nor do the court so they allow me to keep my license but at a hefty cost. no nice cars for me anymore. i guess im lucky in a way but 9 of those points were purely bad luck. thought i was legal on a trade policy with 2 bits of timber in the back, got 6 points for carying goods uninsured... feckers
Posted: Sun Jun 12, 2011 9:36 pm
by dig dug dan
5 points!! You shouldnt be on the road should you...
i thought 12 was a ban??? ???
Posted: Sun Jun 12, 2011 9:48 pm
by rab1
at the judges discretion you can have over 12 points but you will pay dearly for the privilage on insurance costs.
Posted: Sun Jun 12, 2011 9:48 pm
by Pablo
If you can prove that you'll lose your livelyhood as a direct result of being disqualified then the courts usually make an exception and keep bumping the points on. I've met someone with 24 on his licence. My wife got 3 points for using her phone in a tesco's carpark last year the f*ckers.
Posted: Sun Jun 12, 2011 9:58 pm
by joydivision
Never knew that!
Seems reasonable though, for a change!!
JD
Posted: Sun Jun 12, 2011 10:14 pm
by pickwell paving
Just won a job that 4 of us were going for and one of the firms was £1000 cheaper than us, been scratching our heads trying to figure out how and it turns out they aren't vat registered nor do they public or employers liability! :rock:
Posted: Sun Jun 12, 2011 10:20 pm
by jonnyboyentire
I am ringing NFU in the morning as my PL and EL for 4 is much more than that. Fleet policy of 4 vehicles is around £2100 any over 25.
Pablo, I suggest you check the small print ok? If you are self employed it's fairly impossible for you to be covered by employers liability as you employ yourself. The only exception would be if you are a limited company.
Was an insurance broker for 15 years in a previous life 
Posted: Sun Jun 12, 2011 11:25 pm
by Pablo
I'm sure you've got a point I did ask them to clarify it and they did indeed say i was covered even though I'm self employed. I'm pretty confident that even if I but my leg off I won't be claiming.
Posted: Mon Jun 13, 2011 12:01 am
by local patios and driveway
im self employed and mine covers me too.
Posted: Mon Jun 13, 2011 12:11 pm
by DNgroundworks
I pay £1300.00 for my navara and around £500.00 for public/employers/personal/tools and hired in plant insurance