3 Years Claims History

Discussion in 'Motorhome Insurance General Discussion' started by Dave Hodson, Jan 23, 2016.

  1. Dave Hodson

    Dave Hodson Read Only Funster

    Joined:
    Jan 23, 2016
    Messages:
    3
    Likes Received:
    1
    Location:
    Sheffield
    Hi,

    Has anyone found a Motorhome insurer that only asks about the last 3 years of claims history? Standard seems to be 5 years but I did find a few car insurers recently that only asked about the last 3 years.

    Cheers
    Dave
     
  2. Phill D

    Phill D

    Joined:
    Dec 6, 2011
    Messages:
    4,414
    Likes Received:
    4,632
    Location:
    South Wales
    comfort insurance gives full no claims unless you claim when insured with them
     
  3. Phill D

    Phill D

    Joined:
    Dec 6, 2011
    Messages:
    4,414
    Likes Received:
    4,632
    Location:
    South Wales
    mine in a tad over £200 fully comp ( without european breakdown , which can be added ) (y)
     
  4. Phill D

    Phill D

    Joined:
    Dec 6, 2011
    Messages:
    4,414
    Likes Received:
    4,632
    Location:
    South Wales
    apologies Welcome Dave(y)
     
  5. Dave Hodson

    Dave Hodson Read Only Funster

    Joined:
    Jan 23, 2016
    Messages:
    3
    Likes Received:
    1
    Location:
    Sheffield
    Hi, Thanks for the reply and hello. My wife has to own/drive the Motorhome at the moment cos I've got 3 claims (one was a big smash in France in the Motorhome after breaks failed; v expensive!). My wife has built up NCB discount on the Motorhome and on my car I've got 10+ years as its always protected (not really relevant)

    The problem is the claims, 3 claims is a red flag to insurers and the premiums are sky high with me on the insurance. However if any insurer only asks for the last 3 years of claims history then one of my claims has expired.

    Cheers
    Dave
     
    • Like Like x 1
  6. emmitdb

    emmitdb Funster

    Joined:
    Aug 14, 2009
    Messages:
    1,617
    Likes Received:
    1,529
    Location:
    Cornwall
    Have you thought about insuring the 'van for your wife only to drive.

    It might seem a little drastic but it would only be for a couple of years until your claims fell off the end of the Insurance Co.s hard drive.

    We've gone the 'other way' Apparently it costs less to insure the vehicles if both of you are on the Policy BUT, in the case of injury to one of the parties, it would be demanded of the Insurance Co. that the other driver would drive the 'van.
    SWMBO (the missus) didn't want to drive under such circs and reluctantly I've taken her off the 'vans Insurance.
     
  7. Dave Hodson

    Dave Hodson Read Only Funster

    Joined:
    Jan 23, 2016
    Messages:
    3
    Likes Received:
    1
    Location:
    Sheffield
    Hi, thats what we've been doing for a couple of years. With me on the insurance its £1,700 so I just signed the van over to my wife and she drives it. I can get short term insurance for £30/day in the UK if we have a long distance but 2bh we've never done this. The policy's up in March and I think my wife would like not to have to do all the driving...

    There probably isn't an MH insurer out there that just considers 3 years as the markets more niche than cars but thought it worth an ask.

    Cheers
     
  8. gus-lopez

    gus-lopez Funster

    Joined:
    Aug 18, 2014
    Messages:
    4,404
    Likes Received:
    8,068
    Location:
    Lorca,Murcia,Spain
    :welc:
     
  9. ceejayt

    ceejayt Funster Life Member

    Joined:
    Aug 12, 2015
    Messages:
    382
    Likes Received:
    489
    Location:
    York
    I don't know about number of claims but have always found the NFU to be extremely good about taking on cover.
     
  10. golly

    golly Funster

    Joined:
    Aug 16, 2009
    Messages:
    1,103
    Likes Received:
    1,999
    Location:
    Co Durham
    I think Saga only ask for 3 years, but usually quite pricey.
     
  11. Badknee

    Badknee Funster

    Joined:
    Aug 25, 2014
    Messages:
    3,642
    Likes Received:
    15,270
    Location:
    notloB

    I'm thinking of going down the route of taking Angela off the policy. As I am the old fart of the pair of us I am more likely to be incapacitated while away and Angela doesn't want to drive, spesh abroad and even health insurance will demand named drivers bring the MoHo home rather that they pay to have it recovered.
     
  12. emmitdb

    emmitdb Funster

    Joined:
    Aug 14, 2009
    Messages:
    1,617
    Likes Received:
    1,529
    Location:
    Cornwall
    That was exactly our situation. Some pi11ock on a scooter tried to commit suicide last year by trying to turn right in front of us as we were overtaking him.
    SWMBO had the shock of seeing a helmeted yoof travel down the side of the car as I'm trying to go onto the 'wrong' side of the road in an effort to avoid launching him into the next County. Cheeky sod even tried to get £40 out of us for repairs to his shed of a bike, after he admitted that his indicators didn't work

    Unfortunately, it's had the effect of crushing what confidence she had and she no longer wishes to drive.
     
  13. DelMar

    DelMar Funster

    Joined:
    Dec 1, 2015
    Messages:
    60
    Likes Received:
    46
    Location:
    South Wales
    DH, I think Caravan Guard only ask back 3. years
     
  14. shawn&emma

    shawn&emma Funster

    Joined:
    Nov 24, 2008
    Messages:
    239
    Likes Received:
    342
    Location:
    Anywhere that takes our fancy
    Hi DelMar. I'm with caravan guard and have just checked and it is 5 years on my schedule.
    Shawn.
     

Share This Page