I purchased what I thought was a 2003 VW Transporter VAN in January this year (an ex 'AA' one). However when the registration documents returned from the DVLA I noted that the VAN was actually listed as a 'DIESEL CAR'. I had in the meantime insured the vehicle as a van, since I had assumed it to be in the 'Private Light Goods' taxation class.The DVLA will not change the taxation class from a car to a van since this is how the van was first registered.
So I have looked for insurance quotes to cover the vehicle as a car.Now all insurance companies consider the vehicle to be a VAN, not a car. I am not currently using it for trade purposes, though I don't exclude this in the future (currently I'm retired). I may also consider a partial conversion to a motorhome, though this will not be for a year or so.
The question is, am I covered for normal social and domestic usage for the vehicle when is is registered as a car , but insured as a van. In the event of anything happening I don't want any loopholes for an insurance company to wriggle out of paying. The vehicle was declared to the insurance company for usage for social and domestic purposes only. Am I OK?
TIA
Bob