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Van Insurance
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Wondering has anybody being experiencing problems with getting their vehicles insured?
I have been using the same brokers for years with for my van insurance and normally there is some “loading” because i inform them i work as a photographer,this year same broker tells me that their underwriters no longer can offer a policy to me based on my occupation..end of of! So rang around about 6 other providers and essentially same story.If i were trades person or farmer no problem..which sounds daft as many trades work nixers and so after hours after long days and im pretty much sure farmers work around the clock and both would carry “risk”.
I feel like the industry has turned its back on our profession as does not want to even consider cover at all ..end of!
I work as a schools photographer so mostly daytime work probably less that 10 k a year and insure all my equipment through another agent.
Sent off a complaint to the regulator with letters from the companies stating they cannot cover yada ya…lets see what happens.I think photographers are not the only ones caught up in the commercial vehicle insurance thing. I gave up on the commercial vehicle in 2011 when I was informed by the Gardai in Ballinasloe that I could not use it for anything except for the express purposes of what I had declared it for on the papers that I had to get signed there when the new law amendments on Commercial Vehicle road Tax came in.
I was using it in my capacity as a Photographer and declared it so, which was not a problem. The Garda on duty told me that they were now required to inform me – and everybody else – that I could be prosecuted under some act or other if I used the vehicle for any purpose other than that declared on the form and that my insurance would be void if I had an accident while using it for additional purposes and particularly as a private car. He used the example of picking up some shopping on the way home from a job or taking the child to school.
I thought that this it it ! ………….. back to a car and got rid of the commercial jeep in 2012.
Now they are at it again and seem to want less vans on the road. This will, of course, increase VRT for the state. The Government are using every way to increase tax takes.
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