M K

iTrader: (9)

i am buying a car transporter for personal use and the odd cash job for people for favours but not as an actual full time business,

im looking at transit or iveco daily type flat beds with ramps and winch etc, and i want to have cover for what i am carrying on the back up to 20k for example to cover my own track toy or friends incase of damage in an accident etc

who do you use to insure yours? as im having difficulty insuring as i am not an actual business?

any info or help appreciated,

thanks
marc

R4N SS

iTrader: (6)

i'd be interested in this too.

M K

iTrader: (9)

Anyone?

M K

iTrader: (9)

gus

iTrader: (1)

http://www.needtoinsure.co.uk/

Lo@der

iTrader: (8)

Mk,
out of interest mate what sort of money is a half desent truck?

Mr RS500

iTrader: (6)

You will not get cover unless you are a propper business

Insurers are clamping down on people trying to run a " Part time cash in hand business "

They will cover you and your cars but will not cover you for " HIRE OR REWARD " this is what real traders do get cover for so can move cars etc that they dont own

If you get caught with a vahicle on the back you cant prove you own ( by telling the insurer ) you wont be covered on your own policy

Stu @ Claims Care Centre

iTrader: (1)

i have a 2 car transporter i had to take a operators licence to use mine.

M K

iTrader: (9)

I think that's because it's a 2 car transporter stu.

So for how often it's going to be used etc how difficult would it be to set myself up as a part time vehicle transporter service? If I earn under a certain amount with it is it still taxable etc I just want to make sure I'm covered properly to move the odd car around other than my own

not really sure where to start tho now

gus

iTrader: (1)

http://www.needtoinsure.co.uk/

xr-stu

surely if you have a car transporter for your own personal use, youre within your statutory rights to be insured also to carry the cars of friends as favours for no financial gain or reward?

in the exact same way that if someone youre giving a lift to the shops is insured against injury in the event of an accident? just because theyre in your car doesnt mean youre a taxi driver and are getting paid for it does it?

Lee Ivatt

iTrader: (1)

Yes but you can bet your life the insurance co's would fight nail and tooth to prove otherwise, even if it was your best mates car on the back!!!

The only option is to do it properly or take the risk and not insure the load your carrying, just the transporter.

Have you looked into using a trailor, i dont know for a fact but im sure you can insure your vehicle with extra cover for a trailetr and a capped amount on goods.

Ie trailer insured for Ł1500 and Ł10,000 worth of goods?

YOREVOL

Please be very carefull with this idea.
I used to work for a company delivering fleet cars to customers all over the country and there are some major pitfalls:
First there is the weight to consider.when we looked at getting transits we were told by the main dealer that it would not carry much more than a ford ka or fiesta before being overloaded.
Secondly if you are carrying anything over 3.5t gross then yu will need a tachograph fitting.unless its recovery but you will have to prove to vosa that the car is not driveable.the car can then only be transported to one destination.
When considering all this bear in mind vosa has more enforcement power than the police and can and will impound your vehicle and cargo if not legal.
We stuck with transit 350 van and trailer combos and bought vw lt46 trucks these required an operators licence,although they looked no bigger than a transit.
Good luck with your idea but if i were you i would get a trailer and van just make sure the van can tow what the trailer will carry.
As for insurance i use bollingtons in macclesfield offered me fully comp road risk and goods in transit upto Ł60k for Ł3000 cheap compared to over Ł25k paid by company.
Any questions i will try to answer but youd be better off asking vosa direct.
I know some of you are going to say "well my mate does it in a tranny and no ones stopped him" well vosa are clamping down and they will sieze vehicles.
Sorry to take so long but its quite complicated.

Si B

iTrader: (59)

Good and accurate answer

M K

iTrader: (9)

well i will look into this very carefully thanks

the reason i am not using a trailer is a flat bed truck, iveco daily is my favourite choice at the mo has a 3.5ton limit and truck is 2.2 ton so could carry max 1.3ton so i would be carefull not to overload etc and would like to uprate to 5 ton which is possible if you have vehicle re tsted etc,

plus i can not tow a trailer as i passed in 99 and a trailer lessons and test course is between 600-1000 pound so after that and a trailer and a van to buy its cheaper just to get a truck and less hassle imo,

i have a 7.5ton license as i had to upgrade for work so getting a bigger weight limit is ok in that sense,

cheers
marc

andrewg

First there is the weight to consider.when we looked at getting transits we were told by the main dealer that it would not carry much more than a ford ka or fiesta before being overloaded

maybe on 350 transit,, you get up to 4.6 ton transit

BlairM

B+E trailer test is about Ł115 in itself, I took a 2.5 day course beforehand came to something like Ł450 all in.

Alan_D

Same here. Mine was Ł475 a few weeks ago.

YOREVOL

A 4.6 ton transit would require a tacho.
A car transporter body weighs a fair bit so take this into account and your back to square one with weights and tachos and ops licence.
Trust me if we could have leased transits we would but we bought vw lt 46's and lost a fortune in depreciation.

bouncy

If for example you were to trailer your race car to a meeting and you won the race or at least recieved something for competing, is this not deemed as reward and forfeit your insurance.
So which insurance would you need to cover this????

Iain Mac

Bouncy
Reward is when someone else pays you to do something for them. Winning a prize is something you get for yourself.

MK
Loads of useful info here:
http://www.businesslink.gov.uk/bdotg...mId=1082033198

In short, above 3.5 tonnes GVW (which you will realistically need to carry any car) you are going to need an operators licence as well as a tachograph, unless you only ever transport broken-down cars.
That means you need an operating centre (ie no on-street parking, neighbours might object to the truck being parked on your drive at home, maintenance and safety checks, availability of financial resources, etc).

focusv8

For reward, means to have been paid by someone other than yourself in cash or kind to carry the vehicle.

It doesn't mean to have gained financially as a result of something that happened AFTER the vehicle had been transported.

.

24vcossiemat

I am fully trained recovery driver. you dont need an operators licence under 3.5 tonne but you do need to have proper insurance really, more for the fact that if you moved your mates car and hit something and wrote off the car on the back you would owe your mates a fortune. also mate after 2007 if you have a car transporter for recovery use over 3.5 tonne you do not need an operators licence or tacho if you are staying in a radius of 100km of where your business or truck is kept. if you go out of that radius you must have a tacho and operators licence and you must use the tacho else you will get your truck seized by vosa. I know this isn't what you asked but thought it might help should you end up setting up properly, also you ought to have public liability insurance, if your winch breaks whilst loading and the car flies off down the street you would be well covered for injury to someone else.. however to avoid this just pull the cars up with the handbrake nearly on then if the worst happens it wont fly off with ya mates laughing at ya. its easily done, winch breaks, or winch mechanism fails and disengages. just so you know though, if you buy yourself a speclift vehicle you dont need an MOT as it is only made for one purpose and cannot carry anything else. Mot exempt basically, dont ask me why, they have always been this way.

24vcossiemat

like i said if you wanted to set up part time, just buy a flat bed or beaver tail recovery vehicle under 3.5 tonne and you dont need a operators licence or tacho just properly insure it and off you go, as for tax well if your self employed then all work gear plus vehicle maintenance etc goes towards money off your tax. do it properly and have a good accountant and you shouldnt really pay bugger all tax. shouldn't say this really but run your business so it looks like it just breaks even every year and you wont pay any tax. also if your vehicle is solely for recovery not lets say dealer transfers then you should get cheap road tax. my old employer has a 22 tonne scania v8 wrecker that costs just 185 quid a year.

bouncy

So basically if its for own purpose the ruling dosent apply. Its just that a few years ago we had a goods vehicle we used for carrying our race bikes, because these were deemed as not motor vehicles and that we were competing for prize money the goods we were carrying were deemed as for reward. Well thats what the coppers told us when they stopped us at ferrybridge.

YOREVOL

I think there are many grey areas to this topic eg:i use a land rover discovery tdi van and trailer if i put my trailer fully loaded 3500kg i need atacho because there is "potential" to exceed limit for tacho exemption but if i used a discovery car or a discovery van on lpg exclusive i would'nt need a tacho.
As i said there are many grey areas.

focusv8

Nobody paid you to transport the bikes, so no reward.

If you did not win any races, no reward.

If you won, Reward??

It can't depend on the outcome of a race as to whether the transport of goods becomes for reward or not.

I doubt many Coppers know the exact law in this area unless they work with VOSA regularly.


.

cozzfather

iTrader: (1)

mate of mine had a tranny and it was a proper workhorse,would shift no probs even with a range rover on the back,then he gets a fook off big iveco daily with a monstrosity of a beaver back on and thats when the fun started.

vosa tugged him and he was well over and when they checked it they concluded that his truck had been added to and with even a smallish car on it was over 3500kg,would pull even with a 2 ton car on but it was too heavy .

funny the next day it was on ebay and he fucked the idea off.

dannyblackpool

does weight go off stamped weight of recovery truck or actual weight, ie if you removed everything not needed to lose weight would that mean you could carry a heavier car??

ie 2000kg truck, 1550kg car so over, lob out passenger twin seat,centre chequerplate of bed etc and lose 60 kg then ok??