Uprated payload and Insurance

Gixer

Gixer

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Dec 16, 2018
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South Wales
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2018 Chausson EB
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Already had lots of useful advice about uprating pyload, just wondering about informing insurers - as it will be a technical paper excercise, their is no modifications made so do I need to inform insurer ?
 
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Gixer said:
Already had lots of useful advice about uprating pyload, just wondering about informing insurers - as it will be a technical paper excercise, their is no modifications made so do I need to inform insurer ?
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I don't think they even ask you what your payload is anyway so if no physical mods I can't see why you'd need to.
 
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Yes,it changes the amount you can carry which then changes the braking characteristics of the vehicle.Ring and talk to them.Best be covered than not after the event!!
 
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Uprated my last van I rang my insurance company (Comfort) they just said OK we will make a note.
Same when I had full Air suspension fitted to this van. They didn't class either as a policy change so no charge.
 
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Lenny HB said:
Uprated my last van I rang my insurance company (Comfort) they just said OK we will make a note.
Same when I had full Air suspension fitted to this van. They didn't class either as a policy change so no charge.
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I wonder if that is an industry standard .Still waiting for my V5.Do they check or ask about whether your licence is C1?

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125BEER said:
I wonder if that is an industry standard .Still waiting for my V5.Do they check or ask about whether your licence is C1?
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I just rang Comfort for a quote and they asked “does your license entitled you to drive the vehicle”. I said I had the C1 category, but I think they were just looking for me to reply yes or no. I did mention I was quoting for a vehicle with uprated MTPLM, but they didn’t seem overly interested.
 
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Agreed that it’s better to be safe than sorry with anything to do with insurance though!
 
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125BEER said:
I wonder if that is an industry standard .Still waiting for my V5.Do they check or ask about whether your licence is C1?
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No, but if you were driving the vehicle illegally they could reduce the cover to 3 rd party on a claim, or they may consider you took out the policy under false pretenses and cancel the policy.
 
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Always told the insurance (Comfort at the time) about any mods, whether they affected the risk or not. Reply every time - thanks we'll make a note, then nothing further, not even an admin charge.

I always found them realists, unlike some I've read about, who have the interest of their customers at heart.

Pity that lapsed with me or I would still be with them.

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125BEER said:
.Do they check or ask about whether your licence is C1?
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Rarely.
They insure anything . They take your money. Wheteher you have the correct licence to drive it is your problem. They just won't pay anything other than 3rd party claims in the event of one & then sue you for the recovery of it.
 
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125BEER said:
Yes,it changes the amount you can carry which then changes the braking characteristics of the vehicle.Ring and talk to them.Best be covered than not after the event!!
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That's nothing to do with the insurers needing to know, if a vehicle isn't safe at the higher load then they wouldn't get an engineer's approval and be able to change it with the DVLA.

If worried, best to ask but if you do be prepared for the possibility of being charged an 'admin fee' to add it to your info!
 
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We’re with Safeguard. They noted the air suspension upgrade and increased payload on our paperwork but no change to the premium.
 
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Thanks all - Insured with Lifesure and they said it shouldn't affect my premium, as others say - I didn't have to give weight for insurance anyway, but got to wait [sic] and see once I know what I can uprate to
 
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If you drive a perfectly safe legal vehicle like all of us do.You then change the total weight you carry ie payload and put an extra 300-500 kg in it,the characteristics of the vehicle change.Sv tech determine the factors and you follow the instructions.(and pay).I am in the process of such uprate and waiting for return of V5.It obviously seems that insurers are only interested in our cash.

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125BEER said:
If you drive a perfectly safe legal vehicle like all of us do.You then change the total weight you carry ie payload and put an extra 300-500 kg in it,the characteristics of the vehicle change.Sv tech determine the factors and you follow the instructions.(and pay).I am in the process of such uprate and waiting for return of V5.It obviously seems that insurers are only interested in our cash.
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I disagree, the ultimate responsibility for using a legal and safe vehicle lies with the person driving in it at the time which most often is the policy holder.
 
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125BEER said:
If you drive a perfectly safe legal vehicle like all of us do.You then change the total weight you carry ie payload and put an extra 300-500 kg in it,the characteristics of the vehicle change.Sv tech determine the factors and you follow the instructions.(and pay).I am in the process of such uprate and waiting for return of V5.It obviously seems that insurers are only interested in our cash.
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Hi, I'm thinking of uprating, how long does it take to complete? Thanks 😊
 
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If you are altering the suspension, the longest time will be the lead time on the installation of your uprated equipment. Wheels and tyres, if applicable can be done in a week. If you do your homework and complete the form for SV Tech in advance, they can issue the new plate within a week. DVLA take a while to issue the new V5 but once you have applied and have fitted the new plate I understand you can use the van? I would speak with Steve at SV Tech in advance so it goes extra smoothly.
 
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I've always informed the insurance company, only once had a charge (and a hefty one) when adding disability modifications to my Mum's policy. Same mods on my own car were noted with no charge.

Mum (being 89) can only get insurance via one company. The renewal was just under £1000 this year - I was hoping she would give up the car as she could get a lot of taxis for £20 a week.
 
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Skipper43 said:
If you are altering the suspension, the longest time will be the lead time on the installation of your uprated equipment. Wheels and tyres, if applicable can be done in a week. If you do your homework and complete the form for SV Tech in advance, they can issue the new plate within a week. DVLA take a while to issue the new V5 but once you have applied and have fitted the new plate I understand you can use the van? I would speak with Steve at SV Tech in advance so it goes extra smoothly.
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Done all above,Steve at SV could not be more helpful👍.contacted dvla and MH still 3500 so cannot use uprate plate until dvla update their records.i rang last week and they were dealing with April🤔🤔🤔.Sent V5 1st week of July!!!.
 
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I’ve just done mine, uprated to 4.5 tonne with air assist informed my insurance company (LV), no charge for the uprating but £15.00 for the air assist modification!
 
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125BEER said:
Done all above,Steve at SV could not be more helpful👍.contacted dvla and MH still 3500 so cannot use uprate plate until dvla update their records.i rang last week and they were dealing with April🤔🤔🤔.Sent V5 1st week of July!!!.
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Provided you have the new weighting plate fixed to the vehicle why would you need to wait for DVLA to update their record before you use it at that new category? Is it not the same as when a change of registered keeper takes place and the V5 slip is sent to DVLA for processing but the new owner can drive the vehicle immediately?

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Dave100456 said:
Provided you have the new weighting plate fixed to the vehicle why would you need to wait for DVLA to update their record before you use it at that new category? Is it not the same as when a change of registered keeper takes place and the V5 slip is sent to DVLA for processing but the new owner can drive the vehicle immediately?
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No, you have to wait for it to be put into the system 'officially' I'm afraid as they have to go over the documentation to ensure it meets the requirements for the change to be valid. A change of driver has 2 parts to it, one part is kept as proof and the other is sent to the DVLA to make the change and of course you can do it online too so the change can be notified immediately to them.

As for the new owner driving the car immediately ... that's only if they have a licence and thus isn't in any way related to the actual ownership of the car.
 
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Minxy Girl said:
No, you have to wait for it to be put into the system 'officially' I'm afraid as they have to go over the documentation to ensure it meets the requirements for the change to be valid. A change of driver has 2 parts to it, one part is kept as proof and the other is sent to the DVLA to make the change and of course you can do it online too so the change can be notified immediately to them.

As for the new owner driving the car immediately ... that's only if they have a licence and thus isn't in any way related to the actual ownership of the car.
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Does it not follow that if a suitably qualified and endorsed vehicle engineer has signed off the calculations for brake, steering, suspension, etc that DVLA only need to do an admin role?
VOSPA do have QA procedures to ensure the integrity of the system and it is normal not present at a test centre for Type 1. However, I agree that Type 2 always require presentation of the vehicle at a goods vehicle test centre.
It's an interesting legal point. I'd argue that driving a vehicle (that's gone from 3500kg) to 3850kg within your new plate limits is reasonable especially in these Covid times when DVLA are so far behind and also having regard to the MOT "extensions" that were allowed.

If one is stopped the inspector looks at the vehicle weighting plates. I do not carry my V5 in the vehicle.

Just asking!
 
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Dave100456 said:
If one is stopped the inspector looks at the vehicle weighting plates. I do not carry my V5 in the vehicle.
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I suspect said inspector has access to DVLA if he's curious about newly stuck on "plates".

Risk minimal but still a risk to the risk averse.
 
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Langtoftlad said:
I suspect said inspector has access to DVLA if he's curious about newly stuck on "plates".

Risk minimal but still a risk to the risk averse.
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Yes, I agree the inspector will have access to the DVLA database. However, because of Covid delays that database will show out of date info. The question is whether its illegal to drive within the weight limits of the plate but outside the limits of an old out of date record on a database that hasn't been updated? I'm sure lawyers could debate this for some time.

I think the more interesting case would be if you are issued with a overweight summons generated by a "weight in motion" automatic station (think there are 6 in the UK but I may be wrong) which presumably accesses the DVLA database for determining if you are overloaded.
 
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