90 Days Max

Discussion in 'Motorhome Insurance General Discussion' started by Mags52, Jul 13, 2015.

  1. Mags52

    Mags52 Funster

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    We've just insured our new to us van with Comfort. We've been with them for five years and think their quotes are pretty good.
    This time, for the first time, they asked if we were planning to rent out our house and travel for long periods. They also said that our insurance only covers us for 90 days outside of the UK.
    We're planning to cross over to France mid September and just come back when we've had enough. We're not likely to want to stay away for more than 90 days so I didn't want to pay extra on the off chance but who knows? We might love it so much that we stay longer.
    Does it work to phone the insurers and ask for an extension if we do want to stay longer?
     
  2. scotjimland

    scotjimland Funster Life Member

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  3. tonka

    tonka Funster Life Member

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  4. Theonlysue

    Theonlysue Funster Life Member

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    Thing is, if you are out of the UK for more than 180 days, I understand that means you are no longer a resident in the UK?
    I have a full timing policy.
    According to comfort, you need to have a property, or long term rental of at least 9 months, and be on the electoral role for unlimited green card.
    I am on electoral roll, but renting room, which doesn't count, hence full timing policy.
     
    Last edited: Jul 13, 2015
  5. scotjimland

    scotjimland Funster Life Member

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    @Theonlysue Full time is different from extended trips..

    @Mags52 you are aren't going full time are you

    or mention the 'F' word to them ?
     
    Last edited: Jul 13, 2015
  6. Mags52

    Mags52 Funster

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    No we're not going full time so that's not the issue. I assumed that the renewal was with Comfort. Need to check now.
     
  7. Mags52

    Mags52 Funster

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    Well it seems that we're now insured with Aviva. Must have lost the plot along the way somewhere. ;)
    I've looked at the policy and there is no mention of the 90 days limit although the agent on the phone asked me if we were planning being away for more than 90 days. It does say that we have to have a permanent address in the UK and be on the Electoral Roll, which of course we are. I suppose I should phone and ask if there is a 90 day limit or whether it was just checking that we weren't going full time.
     
  8. CWH

    CWH Funster Life Member

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    I may be talking out of my posterior aspect but .....
    You can probably still pull out of that insurance & re-insure with Comfort with unlimited trips?
     
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  9. tonka

    tonka Funster Life Member

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    Comfort is underwritten by Aviva so same policy....
    MHF the other one that's not any FUN, their policy is though Aviva and exactly same as Comfort..
     
  10. CWH

    CWH Funster Life Member

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    Oh OK, seemed like a good idea :( but I know I've had different conditions from same underwriters but different 'retailers' before now on other things.....?
     
  11. Theonlysue

    Theonlysue Funster Life Member

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    Comfort may be underwritten by Aviva, but they may have their own policy details.
    Has anyone checked to see if they are the same?
    Do aviva have their own full timers policy?
     
  12. Gellyneck

    Gellyneck Funster Life Member

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  13. Mags52

    Mags52 Funster

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    Well I didn't want to admit it but we were insured with MHF when it was still relatively ok. (No longer subscribing) I've stayed with them because they always give a good renewal price. It used to say Comfort on the paperwork and now it ways Aviva. Either way there is no actual mention of the 90 days on the policy. I'll phone them and check.
     

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