I bought a new Hilux Twin Cab in 2013. This was taxed as a commercial vehicle (i.e. I pay €333 per annum motor tax and have an annual CRW / CVRT test of €111).
At the time my occupation was gardener and part time farmer.
In 2014 I did a little shopping around I discovered that a "Gardener - Non VAT registered" commanded an enormous insurance premium. Therefore I renewed it with the same insurance company.
Now its 2015 and insurance is up for renewal, going from €487 to €765. That's a jump of about 50%!!!
My main occupation at present is a SAHF (stay at home father). I'm still a part time farmer, in the background, so to speak. As for the gardener job, I don't have time for that. The business still exists and I made a tax return last year and will make a return in October coming, but I don't expect any income.
Is it possible to still insure the Hilux as a commercial vehicle, with commercial motor tax rate and commercial insurance, with two baby seats in the back of the cab?
On a side note, I now find the term "occupation" vague. What does it actually mean and is there any legal basis to it. When I was a typical software engineer in a PAYE job my "occupation" was quite straight forward.
Now it's not. I'm a SAHF. I have a gardening business. I "tip away" at a farm. I'm also a landlord.
At the time my occupation was gardener and part time farmer.
In 2014 I did a little shopping around I discovered that a "Gardener - Non VAT registered" commanded an enormous insurance premium. Therefore I renewed it with the same insurance company.
Now its 2015 and insurance is up for renewal, going from €487 to €765. That's a jump of about 50%!!!
My main occupation at present is a SAHF (stay at home father). I'm still a part time farmer, in the background, so to speak. As for the gardener job, I don't have time for that. The business still exists and I made a tax return last year and will make a return in October coming, but I don't expect any income.
Is it possible to still insure the Hilux as a commercial vehicle, with commercial motor tax rate and commercial insurance, with two baby seats in the back of the cab?
On a side note, I now find the term "occupation" vague. What does it actually mean and is there any legal basis to it. When I was a typical software engineer in a PAYE job my "occupation" was quite straight forward.
Now it's not. I'm a SAHF. I have a gardening business. I "tip away" at a farm. I'm also a landlord.