Worried about insuring a Ranger privately...

Hi there,

I found your article on commercial vehicles very helpful. I am looking to buy a Ford Ranger from a family member. It’s currently taxed and insured commercially, but I plan to buy it and change the tax to private and only then can I get an insurance quote. Can you please tell me a little about the process? I feel like I’m buying a little blindly since I can’t get an insurance quote until I tax the vehicle privately. I can’t tax it privately until I buy it.

Any help would be appreciated.

John

John Wedick (Wexford )

Feb 2021 Filed under: insurance

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Expert answer

Hi John,

Yes, we’ve been hearing from more than a few readers that while taxing a commercial as a private vehicle is simple enough, getting insurance is another matter entirely. As ever, our first advice for any insurance query is to find a good broker who can help you out. In this specific case, as the car is coming from a family member, might it be worth asking them to tax it as a private car? They could simply then inform their existing insurer who may not even bother to raise their premium if the transaction is to take place soon. You could then approach other insurers with a pickup that’s already registered as a private car.

Neil Briscoe - Complete Car Advisor
@neilmbriscoe