Hello all,
I hope someone can help me out, I only work part time domestic (as a sole trader not ltd) as I have a full time office job as an electrical engineer.
At the moment, I just use my personal car (VW Polo), roof bar and sometimes a trailer (no hard top, just a waterproof cover) as I only work for people I know already (who are property developers) so they don't mind what I drive in.
I am looking to get a van (or a bigger car or track), I am not too sure about insurance, can someone explain about private vans and commercial vans, as I was reading there's different between the speed limit (commercial plated is 60 on motorway and have a speed limiter) and different insurance.
I am 24 so commercial insurance is quite expensive (~£1.8-2k), can you change a van plating type as I think a normal 'private car' with social+business insurance (like what I have on my personal car) would be cheaper. Or alternatively I am thinking about buying something like a Tourneo Custom instead of a Transit Custom which have the same chassis but different plating I guess as Tourneo is non commercial. (Ignoring the vehicle price, this is just an example). Or even like a pickup (is Toyota Hilux).
I hope someone can help me out, I only work part time domestic (as a sole trader not ltd) as I have a full time office job as an electrical engineer.
At the moment, I just use my personal car (VW Polo), roof bar and sometimes a trailer (no hard top, just a waterproof cover) as I only work for people I know already (who are property developers) so they don't mind what I drive in.
I am looking to get a van (or a bigger car or track), I am not too sure about insurance, can someone explain about private vans and commercial vans, as I was reading there's different between the speed limit (commercial plated is 60 on motorway and have a speed limiter) and different insurance.
I am 24 so commercial insurance is quite expensive (~£1.8-2k), can you change a van plating type as I think a normal 'private car' with social+business insurance (like what I have on my personal car) would be cheaper. Or alternatively I am thinking about buying something like a Tourneo Custom instead of a Transit Custom which have the same chassis but different plating I guess as Tourneo is non commercial. (Ignoring the vehicle price, this is just an example). Or even like a pickup (is Toyota Hilux).
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