van insurance

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evening chaps

any advise on van insurance for a 23year old that had 2 claims on company van policy and got 3 points on license for mobile phone

now trying to get insurance for my own van.

I know some people dont declare the claims from companys vans- becuase they think they don't count on personal- but if I even do need to claim- and I find my insurance is invalid- I paying all this money for nothing!!!

gets quotes for like 5k
 
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Its 6 points now and I know loads who have.

I also know someone who got killed by a driver on his mobile so as much as many do do it, it comes with a risk of sky high insurance or several yrs in jail if you find yourself in a position also for the sake of buying a hands free, it still takes your concentration but at least its legal.
 
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I have a clean license, but I found that autonetinsurance.co.uk is very cheap, I signed up through vanxtra.co.uk

I have a 2004 Vauxhall Combo, im 33, clean licence, and don't use my car no claims on the van, so only have a few on the van, anyway, my policy is about £200 fully comp and protected.
 
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I went on money saving expert recently, under the insurance , van insurance, they give you a few comparison sites to try and a few others who are not on those sites. Took about 20 minutes and saved £100 off my renewal price from current insurer.
 
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darkwood said:
Its 6 points now and I know loads who have.

I also know someone who got killed by a driver on his mobile so as much as many do do it, it comes with a risk of sky high insurance or several yrs in jail if you find yourself in a position also for the sake of buying a hands free, it still takes your concentration but at least its legal.
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its 3 points darkwood ive just looked.

they might have gotten 6 if they were done for dangerous driving rather than a mobile phone.


its 3 points and a £100 fine


it was too tempting and got caught answering my phone (got handsfree now)


back to the op

dial direct was the cheapest for me i know a few lads that use brentache (call them though)

mine was £1600 thats with a few claims though im 22
 
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Hellmooth said:
Phone was RCD protected.

Had about as much chance of killing someone as I would have on a hands free......you prat
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Anyone who drives while using a hand held mobile phone is a prat, if you think otherwise I would go an ask any copper that has attended an accident where someone has been seriously injured or killed, they will tell you the same, or maybe they are all prats as well? You don't have to be going fast it just takes a second of distraction.
 
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sparksburnout said:
Anyone who drives while using a hand held mobile phone is a prat, if you think otherwise I would go an ask any copper that has attended an accident where someone has been seriously injured or killed, they will tell you the same, or maybe they are all prats as well? You don't have to be going fast it just takes a second of distraction.
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the problem is if you vehicle is ticking over with the handbrake on you can still be fined.

anyway, being on the phone in a traffic jam or on a slow straight road while looking ahead isnt too bad.

its not aa bad a texting, if the phones to your ear your looking at where you are going
 
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Next time your talking to someone on your mobile, try and concentrate on someone else talking within the same room or space. Guarantee you will not be able to absorb both conversations. How many times have you asked someone to wait, when talking to someone else on your phone. Using a mobile phone, even using hands free (I use one), affects your ability to drive.
 
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Incidentally, the major cause of road accidents in the UK, is failing to look properly. Now you might say, that using a mobile prevents you from absorbing your surroundings whilst driving. But not everybody uses a mobile whilst driving and more importantly, whilst having an accident.
 
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Midwest said:
Incidentally, the major cause of road accidents in the UK, is failing to look properly. Now you might say, that using a mobile prevents you from absorbing your surroundings whilst driving. But not everybody uses a mobile whilst driving and more importantly, whilst having an accident.
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thats the thing most accidents have nothing to do with mobile phones, mobiles are more likely to be involved in little crashes in stop/start traffic than anything else.


on a dual carriageway/motorway at 3am being on the phone wont matter as it is unlikely there will be many people around and nothing will jump out in front of you either.


there was hardly any traffic when i drove down from glasgow and i didnt exactly leave early (10am)
 
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shanky887614 said:
thats the thing most accidents have nothing to do with mobile phones, mobiles are more likely to be involved in little crashes in stop/start traffic than anything else.


on a dual carriageway/motorway at 3am being on the phone wont matter as it is unlikely there will be many people around and nothing will jump out in front of you either.


there was hardly any traffic when i drove down from glasgow and i didnt exactly leave early (10am)
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Thats why there are so many roads closed due to accidents on motorways that have happened in the small hours then is it? There is no grey area here, both legally and practically, it's just an irresponsible activity, end of. Nobody is that much of a rush that they cannot pull over and ring somebody back.
 
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shanky887614 said:
thats the thing most accidents have nothing to do with mobile phones, mobiles are more likely to be involved in little crashes in stop/start traffic than anything else.


on a dual carriageway/motorway at 3am being on the phone wont matter as it is unlikely there will be many people around and nothing will jump out in front of you either.


there was hardly any traffic when i drove down from glasgow and i didnt exactly leave early (10am)
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I refer you to my post at #18. And if someone rang me at 3am, it would be a very short conversation, so unlikely to cause an accident.
 
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sparksburnout said:
Thats why there are so many roads closed due to accidents on motorways that have happened in the small hours then is it? There is no grey area here, both legally and practically, it's just an irresponsible activity, end of. Nobody is that much of a rush that they cannot pull over and ring somebody back.
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more likely people falling asleep at the wheel, i agree its against the law.

im just saying its not always dangerous but like everything there is a time and a place.
 
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shanky887614 said:
more likely people falling asleep at the wheel, i agree its against the law.

im just saying its not always dangerous but like everything there is a time and a place.
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No, its ALWAYS dangerous. The time and place for using a hand held mobile phone IS NOT while you are driving, anywhere, anytime. As you say it is against the law, why do you think that might be? I refer to my original statement, anyone doing so is a prat, as well as for the legal side but for the hike in insurance costs that they will quite rightly incur, hence the origin of this post.
 
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I'll NEVER use a mobile while driving, hands free or otherwise. It's just much easier when stopped safely to ring back and if it's an enquiry about work how can you take down details etc when driving anyway ? Seen too many idiotic manouvres by drivers with phones glued to their ears - often tradesmen unfortunately.
 
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Midwest said:
Next time your talking to someone on your mobile, try and concentrate on someone else talking within the same room or space. Guarantee you will not be able to absorb both conversations. How many times have you asked someone to wait, when talking to someone else on your phone. Using a mobile phone, even using hands free (I use one), affects your ability to drive.
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In the same way that changing the radio station, looking at some skirt, eating/drinking, looking for road signs/shops, concentrating on idiotic cyclists/drivers, talking to someone in passenger seat/back, arguing with the missus, having a child in the car etc etc. everything affects your concentration, just not dangerously, unless you let it. Hands free phone calls are no different to what I've mentioned in this post.
 
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I spend a lot of time on my hands free, I receive and need to make too many phone calls not to, I couldn't stop to make them I'd lose hours in a day! Of course it can be done safely, I've been doing it for 14 years without any issues, some people have different levels of concentration, some struggle to use a mobile phone sat on there ar5e! I can use it no problem whilst driving and still have a coffee and doughnut.........
 
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Englishman said:
In the same way that changing the radio station, looking at some skirt, eating/drinking, looking for road signs/shops, concentrating on idiotic cyclists/drivers, talking to someone in passenger seat/back, arguing with the missus, having a child in the car etc etc. everything affects your concentration, just not dangerously, unless you let it. Hands free phone calls are no different to what I've mentioned in this post.
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It is true what you say, that all those examples you have given, can affect your reaction to your surroundings whilst driving. However, operating in car controls, looking for road signs, concentrating on idiotic cyclists/drivers are a necessary function of driving (apart form operating the radio!).

Arguably, using your mobile or hands free device is not. Even conversations between you & passenger or listening to the radio, are not as distracting as using a mobile (IMO).

I'm not a scientist, but I believe it's the way a mobile operates. Two people cannot speak at the same time on a mobile, one has to wait for the other to finish (unlike normal conversation), try it yourself. Also try having that conversation on your mobile, and listening to someone else's.

There has been some research conducted into this matter. I link one here from as early as 2002;

http://www.mthr.org.uk/research_projects/documents/Rum5FinalReport.pdf

Their conclusion was 'Driving performance clearly suffers when the driver is performing simultaneous tasks. The results for reaction times suggest that talking on hands free is more distracting than talking to a passenger or other in-vehicle tasks'.

Truth is, you don't need to use a mobile phone to operate a car.
 
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Hellmooth said:
I spend a lot of time on my hands free, I receive and need to make too many phone calls not to, I couldn't stop to make them I'd lose hours in a day! Of course it can be done safely, I've been doing it for 14 years without any issues, some people have different levels of concentration, some struggle to use a mobile phone sat on there ar5e! I can use it no problem whilst driving and still have a coffee and doughnut.........
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Some people also struggle to drink a coffee or eat a doughnut whilst they're driving!

Driving a car, we take as second nature because we are so well trained, well most are. Think back to when you first drove, would you try to drink, eat or use a mobile then?

Using a motor vehicle on the road, is a potentially dangerous profession. Give it the time & respect it deserves.
 
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Get sick of people on phones while they're driving. You can see them slowing down a bit, speeding up a bit, wandering across to the white line and back. Drive past them and guess what - they're on the bloody phone. They don't even realise it's affecting their driving! See it regular up and down the A1. Daz
 
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