Aib Very Expensive For Higher Value Mh

Discussion in 'Motorhome Insurance General Discussion' started by Robert Clark, Jun 30, 2015.

  1. Robert Clark

    Robert Clark Funster Life Member

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    Having got a very competitive quote from them recently for I insuring my 1 year old Bessacarr I was shocked to discover how expensive they were to I sure my new Carthago
    Apparently they only have one insurer who will quote for motorhomes over £50k - Aviva who were almost twice the price of NFU
    Also called Caravan Club and Safeguard for a quote but they never answered the phone :sleep:
     
  2. grumps147

    grumps147 Funster

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    There was so little between our quotes from AIB and the C&CC, the latter being marginally cheaper and our existing insurer, that we stayed with C&CC. AIB would have been the choice if I had needed 365 European breakdown cover. Expensive from both, but they are offering new for old and their cover in both cases is good. But as others have said, you know how good after a claim, which I hope none of us will need.
     
  3. DavidG58

    DavidG58 Funster

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    having had our Hymer insured originally on my company fleet policy, found out we were actually paying well over £1000, so changed to AIB. still with Aviva and dropped to about £600 from memory, still only about 1% of value of MH, didn't seem that bad to me, I wouldn't take on the risk on those odds :)
     
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  4. Robert Clark

    Robert Clark Funster Life Member

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    NFU was just over £450 for a £90k van with a new for old replacement van for vehicles upto 2 years old
     
  5. DavidG58

    DavidG58 Funster

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    and do you fancy that risk, I certainly don't, so many things can cause damage other than us as drivers :)

    but I will be looking at NFU in a few months :D:D
     
  6. Robert Clark

    Robert Clark Funster Life Member

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    Sorry David I don't understand, where's the risk
    We've been insured with NFU for almost 20 years now without issues, both for liability and company vans
     
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  7. DavidG58

    DavidG58 Funster

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    it only takes some moron to do something stupid, either driving or graffiti or who knows what, you have been fortunate to be claim free for 20 years IMO :):)

    a total loss rare as it may be will cost your insurer an arm and a leg


    edit - I was referring to the risk your insurers take for a relatively small % of the risk value
     
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  8. sallylillian

    sallylillian Funster Life Member

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    Your local NFU? Or Louth? Try Louth.
     
  9. Robert Clark

    Robert Clark Funster Life Member

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    Maybe they do it because they are a mutual society run for the benefit of their members, rather than the benefit of shareholders?
     
  10. Robert Clark

    Robert Clark Funster Life Member

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    Our local NFU in Edenbridge
     
  11. sallylillian

    sallylillian Funster Life Member

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    Try Louth, my local Truro NFU were useless on my RV and someone recomended Louth, and I now have the cars and new MH with them.

    Nicholas Pope & Sarah Topliss

    Agents for NFU Mutual

    Tel: 01507 600249 Fax: 01507 601420

    Email: louth_agency@nfumutual.co.uk Web: www.nfumutual.co.uk/louth

    Address: NFU Office, Agriculture House, Bolingbroke Road, Louth, Lincolnshire, LN11 0WA

    INSURANCE, PENSIONS & INVESTMENTS
     
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  12. Soozywoozy

    Soozywoozy Funster

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    we are with safeguard £600, with european breakdown, new for old for 2 years and £600, Knaus A class
    this was our first motorhome so no history/no claims either.
     
  13. Robert Clark

    Robert Clark Funster Life Member

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    Apparently insurers don't really use no claims bonus on Motorhomes as they are are not your main vehicle and have low milage
    Thats what I was told by one of the insurance companies I spoke to
     
  14. Peetee

    Peetee Funster

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    Hi, Robert did You need to have a tracker installed.

    Peta
     
  15. Soozywoozy

    Soozywoozy Funster

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    didn't need it with safeguard but do the calculations. If i recall new tracker to other insurers spec came out came out at over 2k for 3 years so approx £700 a year, therefore insurers requiring tracker had to be at least £700 cheaper to consider. Hope that makes sense
     
  16. Robert Clark

    Robert Clark Funster Life Member

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    My van already had one
     
  17. Sundowners

    Sundowners Funster Life Member

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    Check your windscreen cover - if ours went it would be a bill of £5000. We have just insured our Neismann with Safeguard which is unlimited plus has European breakdown cover. We did not accept first quote as seemed high but they soon dropped it by £150.00.
     
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