Please help: New car/old van insurance

[wantinghelp]

Hello,My husband recently changed his car from a Mitsubishi L200 (a van but not for his purposes) to a Ford Focus, we arranged insurance through Allianz and they asked for proof of no claims so he sent the renewal notice from Hastings Van who were insuring him as a van purely because of the nature of his vehicle, it was used as a private car and now the new insurance company say they will not accept this as it is van insurance, please could you advise as to what we should do to proceed with this or let us know of any insurance companies who will accept the van insurance (it was not a van!!!), this no claims started with a car and has built up, he has had an L200 for aprrox 5 years and has 7 years no claims, protected.Thank you

[unclebulgaria67]

Speak to Allianz to see if you can resolve. The L200 could either be Insured as van/commercial vehicle or as a private car. For whatever reason it was Insured under a van policy and therefore you need to explain to Allianz why this was.

 

If they won't then you may have to cancel the Allianz arrangement and seek cover elsewhere. You may have the same problem with other companies, so I would suggest that you speak to an Insurance broker.

[Wulfyn]

A Mitsubishi L200 is a van, regardless of how it is used. Allianz will only ever classify this as a van, and will never classify it as a private car. With regard to how insurance products are segregated this would be like you trying to use a motorbike NCD on a car or a van; they are different things. The insurers are therefore perfectly within their rights to refuse it as valid NCD.

 

That said there are some special rules regarding mirroring of NCD, and Allianz are a company that will traditionally do this (most commonly it allows you to mirror a private car NCD to a van, but there is no reason it could not apply the other way around). Ask for the case to be referred to operational underwriting, and they will probably let you use your van NCD.

[ltc1607]

I used my NCD from my L200 insured with Allianze to a Jaguar insured with Churchill