Get a quote through compare website.

Go through details, take money.

Need to call back as a matter of course, wait 4 hours no call back

Ring myself, go through details - do you have second insurance policy?

"Yes I have policy with commercial vehicle company, as I have a Nissan Navara D40"

Any claims, etc

"Never in 23 years of driving"

Hang on please

****Wait on hold for 7 minutes****

Different person comes on, sorry Mr Taylor, but we cant insure you as your primary insurance is with a commercial vehicle!

"Excuse me, I dont use it for commercial use, I am a teacher, whats that all about?"

Its our policy.

"Great, thanks for wasting my time and not telling me sooner"

Please note: compare the market form asks if you have insurance on another CAR or VAN

Dicks!