Insurance Day Killed the Van Life Vibe.

In hindsight, it’s easy to look back and think “that’s what I should have been researching”. So, in hindsight, it’s easy to say I should have spent a few more hours researching important things such as insurance, road tax and warranty. But it’s probably a good thing that I didn’t because I would still currently be debating whether a van is a smart move financially.

I’ll be completely honest here, I did not look at insurance properly prior to buying the van. I did a few GoCompare searches, but these were based on vague details I’d given. For example, I didn’t actually know how many years I had on my No Claims Bonus (if any), and me being me, put aside all these adult jobs in the hope that they would go away.

They did not.

Cue realistic insight into a tearful van day.

Due to Boris implementing lockdown 3.0 the day after purchase day, I woke up to the dealership calling to ask if I wanted to pick up the van either that day or the next. I really thought I’d have a few days of “van vibe high” before having to think about making grown up phone calls, but by 9:30am, I was in the kitchen, GoCompare open and dialling in the number to a van conversion insurance company.

By 11am, I had spoken to three different insurance companies, had my sister on GoCompare duties and was crying into my cup of tea whilst my family watched in amusement.

I cannot stress enough the importance of being prepared for insurance day.

It took me about two hours to track down my no claims bonus information. Thanks to the parents for keeping track of my vehicle paperwork, and thanks to fate for “van insurance day” falling four days before my no claims bonus ran past two years. Lucky. I was able to get an accurate, and more reasonable, quote for instance. Which was fab. Until you realise that insurance is like buying a Ryanair ticket when you need to check 2 bags:

“Would you like a seat with your trip?” Obviously. ££.

“Would you like to take more than a backpack?” Maybe. ££

“Would you like breathe our air?” £££££££

I’m not entirely sure how quotes work, but by the time you’ve added all the necessary requirements that you’d expect insurance to provide. You’re back to square one. Looking at the cheapest option.

More crying. Dispersed with comments such as “they’re stealing my money”, and “why the f*** are middlemen allowed?”. Honestly… brokers? Why?

After all that, including buying extra warranty, and breakdown cover, AND road tax, and more crying, I had insurance. I never wanted to speak to a man (or woman) about money ever again, but I was able to go and collect my future home-on-wheels.

I cried again. But I’m pretty sure I’d lost the will to live.

I got my little van home after a dark and wet drive, and vowed that I would never put off the adult researching again.

It’s easy to wing it right?

#vanlife #livingthedream #researchtheadultstuff #vanlifed #adventure #vanproject

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