Insurance dilemma (1 Viewer)

[MillieMoocher]

We are due to collect new MH in March so I've been looking to sort the insurance out.

I now find myself with a difficult decision and wonder if anyone has any thoughts...

Insurer "A" want a premium that is almost twice insurer "B", but don't want a tracker and will give unlimited windscreen cover. Also policy (ex windscreen) has a £500 excess.

Insurer B are a lot cheaper, and have only a £200 excess. However they require a tracker, and the windscreen cover is limited to £3,000 any one claim.

The MH in question is a Hymer MLI 580 and I don't know whether £3,000 would be enough for a new windscreen.

A tracker will have a year one and ongoing support costs, but given the difference in premium (£400) I think it would be viable to have a tracker fitted.

If I do fit a tracker, insurer A only take £75 off the premium so I wouldn't bother.

I think typing this has helped my mind decide I favour the cheaper quote (with Aviva) but it's just the windscreen bit that bothers me.

Any thoughts?

 

[DavidG58]

I often find I answer my own questions when posting on here

I would hope £3000 would easily cover a new screen, we had one on a Pilote that cost £2400 inc VAT

So if you only real worry left was windscreen cancel that fear, at worst you would have to find any extra, so even if it is £3200 it is only £200 from you and that presumes you break it

It is not as though you are looking to use an unknown insurer, Aviva are a big enough name

 

[MillieMoocher]

Thanks @DavidG58 , helpful thought. Of course, with the windscreen I'd only be looking at the difference between £3k and the actual cost, not the whole thing - and that puts a different perspective on things.

Thanks for helping me make up my mind, especially reassured knowing the cost of a Pilote screen so I'd guess a Hymer will be in the same ball park

^{_{Subscribers  do not see these advertisements}}

 

[Badknee]

Before you do anything else check break down cover will rescue your weight of van and are you covered on the continent.

 

[Zilevets]

I would seriously consider a tracker for your van it's just an extra peace of mind even if you don't benefit from insurance, as you are from W Yorks are you getting it from Huddersfield if so you need to speak to Malcolm he can fit them a little cheaper then dealer.

If you want to pm me I can give you more info.

Liz

 

[sdc77]

Before you do anything else check break down cover will rescue your weight of van and are you covered on the continent.

You might consider joining ADAC .. Probably save yourself a load of cash and get great cover in Europe.

^{_{Subscribers  do not see these advertisements}}

 

[MillieMoocher]

Thanks all for your replies.

I checked out the breakdown cover that I asked to be included, and it's fine for the size of the van.

It's a bit annoying as I have cover with the bank account for breakdown and recovery but it's limited to vehicles of 7 m and 3.5 tonne. The MH is 6.9 m, and in standard guise gas a GVW of 3.5 tonne - however we've had it related to 3.85 tonne for better payload, so falls outside the criteria despite being (unless fully loaded) the same van..

@Hyacythn 1 , thanks for the offer . We're actually getting it from Lowdhams in Notts so I'll get them to sort it. I also agree with your peace of mind comment.

Slightly annoyed as I asked about a tracker when we ordered the thing, and was assured nobody would require one and the alarm I was having fitted would suffice. So I suspect I'll end up paying a bit more as the fitters will have to come back.

Still, no pockets in a shroud ...

 

[MichaelT]

There is a post on the Knaus owners site where the windscreen cost £4,750 so it may be worthwhile getting a quote to see how much before you buy.

 

[Emmit]

"It's a bit annoying as I have cover with the bank account for breakdown and recovery but it's limited to vehicles of 7 m and 3.5 tonne. The MH is 6.9 m, and in standard guise gas a GVW of 3.5 tonne - however we've had it related to 3.85 tonne for better payload, so falls outside the criteria despite being (unless fully loaded) the same van.."

Our 'van is a 3500kgs van that has been uprated to 3650kgs.

The original plate is under the bonnet. The 'new' plate isn't there and I wouldn't be flashing it at a breakdown man if needed.

^{_{Subscribers  do not see these advertisements}}

 

[The Wino]

Try insurer C to see if there's a better deal

 

[nomadic]

Contact www.peterhambleton.co.uk they will advise you the actual current cost of a replacement window and fitting.

 

[MikeD]

If you do have a claim with Aviva - you will have a nightmare sorting it out with them.

^{_{Subscribers  do not see these advertisements}}

 

[Jagtazman]

If you do have a claim with Aviva - you will have a nightmare sorting it out with them.

You reckon? They are normally pretty good IMHO for cars /commercial. If their MH division really that bad?

 

[tonka]

The 580 is only a standard Merc cab so cant see windscreen being that expensive.. Not like an A class.


Found this... £140... sorted
http://www.ebay.co.uk/itm/MERCEDES-...ULLY-FITTED-/171240499040?hash=item27debaa760