Warranty

[Mike the oldnut]

Morning happy funsters, having a good weekend,? Some of you may have seen my earlier posts re engines, gearboxes etc, close in my mind to buying a 2008 burstner i821, very low mileage, privately.
So, i think I would be happier if I could purchase a warranty for say 6 to 12 months, all I have so far found on line are only available up to year 12. Anybody know better? Is it worth joining a club, if so which one?
Insurance, I am 78, my 'normal' insurer have quoted around £350, no limit on windscreen replacement, who else is worth exploring.
Recovery uk/Europe, who is worth approaching?
Your reponses are much appreciated.

 

[Bessy765]

At that age any warranty will probably cover everything except what you claim for. Most of them have so many exclusions you are better putting a bit by in an interest earning account and hope you don’t need it.
service history is more important and mot history. Try LV if you have a car as well you can get a discount if you insure more than one vechicle

 

[Jimbohorlicks]

Try Lv they also do breakdown in uk and eu included. Can't help with warranties.

 

[TheBig1]

At that age a warranty would be a major waste of money even if you could get one. They are designed for parts not likely to wear out within a year. EVERYTHING will be classed as fair wear and tear, so not covered.

A very low mileage van can be a bonus or a curse. Rubber parts dry out and perish and metal parts seize up. You really need to do your homework by checking it has been well maintained. Check the MOT history online to confirm it has not been left in a bad state till it had to be fixed. Repeated failures and retests indicate a poor level of general care

Insurance is difficult, as it's based on the driver, your postcode and a few other factors. Around £300 is a great price these days. I was paying £600+ a few years back then tried lifesure, who got me a deal with Ageas at £350. A bargain, and you have to check through the policy carefully to ensure you have the cover you need.

With older vans most breakdown cover will be very limited. If you are a member of the camping and caravanning club you can get cover with RAC that will cover you

 

[Mike the oldnut]

At that age a warranty would be a major waste of money even if you could get one. They are designed for parts not likely to wear out within a year. EVERYTHING will be classed as fair wear and tear, so not covered.

A very low mileage van can be a bonus or a curse. Rubber parts dry out and perish and metal parts seize up. You really need to do your homework by checking it has been well maintained. Check the MOT history online to confirm it has not been left in a bad state till it had to be fixed. Repeated failures and retests indicate a poor level of general care

Insurance is difficult, as it's based on the driver, your postcode and a few other factors. Around £300 is a great price these days. I was paying £600+ a few years back then tried lifesure, who got me a deal with Ageas at £350. A bargain, and you have to check through the policy carefully to ensure you have the cover you need.

With older vans most breakdown cover will be very limited. If you are a member of the camping and caravanning club you can get cover with RAC that will cover you

Thank you, yes I am aware that low mileage can be as big a problem (36K in this instance, MOT support the mileage) as high mileage for the reasons you state, the MOT history on the one I am looking at is very good, a couple of failures due to things that seem to appear quite often on the half a dozen I have checked, rear axle tyre damage, handbrake not up to scratch on occasion, probably due to under use, and a wipers not clearing properly, all pretty minor things to deal with. I think the LV quote of £380 inc recovery seems reasonable (we live in the sticks waaayyy down our own farm track!)

^{_{Subscribers  do not see these advertisements}}

 

[TheBig1]

The front cross member on fiat/peugeot is a weak point for rust too

 

[Mike the oldnut]

The front cross member on fiat/peugeot is a weak point for rust too

What I can see on a quick roll under all the under trays are still in place and it all looks very clean. I have seen a few advisories on that, only to see that the owner says, surface rust, wire brush, rust treatment, good as new. our Qashqai had an advisory on a track-rod end that just turned out to be mud which the tester could not be ***sed to poke off!

 

[Bessy765]

You may get a lower premium if you add someone younger as a second driver. My father 89 got a lower premium by putting me as a second driver on his policy. Went down 20%. You cant do it the other way round as the main driver has to be the policy holder. Parents used todo this to get cheaper insurance for their youngsters but it is not valid if the younger person is the main driver.

 

[Mike the oldnut]

You may get a lower premium if you add someone younger as a second driver. My father 89 got a lower premium by putting me as a second driver on his policy. Went down 20%. You cant do it the other way round as the main driver has to be the policy holder. Parents used todo this to get cheaper insurance for their youngsters but it is not valid if the younger person is the main driver.

Hi Bessy, as it happens my wife who is the 2nd driver is 18years younger than me, I would have liked to have seen what happens if I put her as the main driver, but that seemed to be in the too difficult box

 

[Bessy765]

its down to the two of you to decide who would be the main driver, if she can get a lower priced quote you could always register the van in her name. Try for separate quotes for each of you.

^{_{Subscribers  do not see these advertisements}}

 

[TheBig1]

The cheat of putting a lower risk driver as the main policy holder is called fronting and will invalidate insurance if the company suspect it. Then getting further insurance for anything becomes near impossible as the insurance companies share the information with others. You get asked if you have had insurance refused or withdrawn and they already know the answer

 

[Bessy765]

The cheat of putting a lower risk driver as the main policy holder is called fronting and will invalidate insurance if the company suspect it. Then getting further insurance for anything becomes near impossible as the insurance companies share the information with others. You get asked if you have had insurance refused or withdrawn and they already know the answer

If you care to read what I stated was it is up to you to decided who will be the main driver. There is no suggestion whatsoever that fronting as you call it was intended. Just given the op stated his age it may well be that the younger of the two would become the main driver. I also stated the reference to when parents would put the younger offspring as a named driver and further stated that this wood invalidate the policy. So a bit of closer reading would bring further understanding rather than an implication of an illegal act, it is that sort of comment that may discourage some from posting and confuse others. You are right to be concerned that ann error may arise but it was clearly stated that this was not the intention

 

[Mike the oldnut]

The cheat of putting a lower risk driver as the main policy holder is called fronting and will invalidate insurance if the company suspect it. Then getting further insurance for anything becomes near impossible as the insurance companies share the information with others. You get asked if you have had insurance refused or withdrawn and they already know the answer

I have no problem with my wife actually being the main driver, she loves driving, I would be happy to be a co-pilot, means I can have a beer! , in fact it would be better as her ability to give directions is abysmal 'oh' we should have turned left there!!! most infuriating. I would wonder quite what the definition of the 'main driver is. is it the one who drives 5 miles more than another, who drives 10 mins longer, however if you use someone who does not normally use the vehicle then I would class that as fraudulent. I do not see an occasion when we would not be both in the vehicle together and share the driving