Temporary Insurance for van MOT

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Re: Temporary Insurance for van MOT

Postby maxstu » 06 Sep 2018, 07:23

Oldiebut goodie wrote:
maxstu wrote:Thought about canellation but have always been asked at renewals "have l for any reason cancelled insurance in the past? "


Haven't you got that round the wrong way - shouldn't it be " have you had insurance cancelled" that is what is usually on mine.



'Have you or any driver driving this vehicle, ever had a policy voided, cancelled or had a claim refused? ' Is the exact wordind found on my policy.
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Re: Temporary Insurance for van MOT

Postby 937carrera » 06 Sep 2018, 07:41

maxstu wrote:
'Have you ....., ever had a policy cancelled....


i.e had a policy cancelled by an insurance company. Otherwise it would say "Have you......., ever cancelled a policy"
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Re: Temporary Insurance for van MOT

Postby lefty67 » 06 Sep 2018, 09:35

Take out normal basic insurance, no add ins, opt to pay monthly direct debit. Cancel it in first 14 days (Cooling off period), have to pay small cancellation fee plus whatever insurance is owed for them days
Or, as above, but if you go over the 14 days then cancellation fee will be more £40-£60
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Re: Temporary Insurance for van MOT

Postby dsa » 06 Sep 2018, 21:37

I have used Rac day insurance for picking up cars vans that I Have bought usually about £28 but as others have said if you want a month best to just take out a years policy I only pay £138 fully comp
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Re: Temporary Insurance for van MOT

Postby nesty » 09 Sep 2018, 12:28

Just my 2p here, probably cheaper insuring for the year and cancelling if you require. Cancelling a policy under 14 day law, I think it's actually unlawful for the insurance company to hold that against you, as the 14 day cancellation is your right under UK consumer law.
I think the question of had you had insurance cancelled, is from an aspect has a previous insurance company cancelled your policy, as you were a unsafe bet etc!
These short term policies probably are so high now, as too many people having a prang and the insurance company ended up paying thousands out, just for measly premium.
If you get a VW T25 classic insurance or even usual insurance, it's fairly low, I am with Adrian Flux and got a decent deal!
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Re: Temporary Insurance for van MOT

Postby maxstu » 10 Sep 2018, 07:20

Thanks to all for advice. Got insurance thanks.
A hopefully clean sheet at MOT station didnt quite go to plan.
Image

Please move if not appropriate here..

But mostly easy fixes. Not sure about first one? Tester said likely bulb not secured properly...got home and checked it out. All good. Will swap for a spare headlamp l have.
More worryingly and not noticed (understandably) by tester (long term Westfalia owner) is a terrible increasing rumbling as l drove at normal road speeds to test station and home..20 miles each way. Tyres pressures checked. Tight wheel nuts yes. Not gearbox. Not driveshafts. So that leave wheel bearings. But nothing excessive shows when l jack van and pull push twist each wheel?
Any tips please how to tell whether back or front bearing issues? I could feel ever so slightly vibration on floor below my feet when in driving seat at 40mph plus
Regards
Stuart
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Re: Temporary Insurance for van MOT

Postby 937carrera » 10 Sep 2018, 08:12

Wheel bearings:

Jack wheel up, grab wheel and check for play, side to side and top / bottom. Spin wheel and listen for grumbling. Vibration you feel would point to front end. Does the tone change when you turn one way or the other. Noisier turning left = right hand side issue.

Headlight:

Square headlights ?. One of the plastic captive nuts was damaged on mine allowing the light to move about. I managed to repair mine, so almost zero cost fix
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Re: Temporary Insurance for van MOT

Postby maxstu » 10 Sep 2018, 08:44

Re headlamp. E1 round lamps. Later post 85 went to H4
bit of research reveals post 1986 headlamp bulb is changed to H4.
PO had stuffed an H4 where an H7 or aptly named goldfish bulb should sit.
Re wheel bearing..trolley jack in action now. But should l find diffrent to MOT tester? Will post findings later
Last edited by maxstu on 10 Sep 2018, 09:16, edited 1 time in total.
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Re: Temporary Insurance for van MOT

Postby maxstu » 10 Sep 2018, 09:14

maxstu wrote:Re headlamp.
bit of research reveals post 1986 headlamp bulb is changed to H4.
PO had stuffed an H4 where an H7 or aptly named goldfish bulb should sit.
Re wheel bearing..trolley jack in action now. But should l find diffrent to MOT tester? Will post findings later


Original bulbs are R2
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Re: Temporary Insurance for van MOT

Postby maxstu » 10 Sep 2018, 17:40

937carrera wrote:Wheel bearings:

Jack wheel up, grab wheel and check for play, side to side and top / bottom. Spin wheel and listen for grumbling. Vibration you feel would point to front end. Does the tone change when you turn one way or the other. Noisier turning left = right


OSF bearing excessively niosy. Replacement coming tomorrow :ok
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Re: Temporary Insurance for van MOT

Postby 937carrera » 10 Sep 2018, 18:03

Another lucky guess :) :wink:
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Re: Temporary Insurance for van MOT

Postby maxstu » 11 Sep 2018, 05:39

937carrera wrote:Another lucky guess :) :wink:


Well please keep the lucky guesses coming my way good man :ok This new purchase is throwing quite a few minor problems at me.!
Deepest thanks
Stuart
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Re: Temporary Insurance for van MOT

Postby Dad » 11 Sep 2018, 20:29

14 day cooling off period. Insure, cancel, get money back. All of it.
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Re: Temporary Insurance for van MOT

Postby campervanster » 12 Oct 2018, 16:10

Dad wrote:14 day cooling off period. Insure, cancel, get money back. All of it.


Even with a cooling off period, you'll normally get charged for the time on cover as well as an admin fee to cancel.
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