Caravan guard Insurance - Newbie Rip Off

Discussion in 'Motorhome Insurance General Discussion' started by JanGar, Jun 30, 2016.

  1. JanGar

    JanGar Funster

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    Just my own experience, got a quote, answered all their questions online took out the insurance, then 8 days later get an email saying we need proof of your no claims discount; no problem sent my car insurance NCD proof, but no they want it for the motorhome, ahem - the one I'm insuring for the first time! Oh as you don't have any NCD that will be an extra £386, on top of £365, no thank you just cancel my policy and refund my payment (within 14 days).

    Got a new quote, even better breakdown cover and other benefits and its £380 total from Caravan Guard, through Allianz, and AA cover. More than happy with my new quote and Caravan Guard can kiss my silver motorhome bonnet!
     
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  2. mowbotman

    mowbotman Funster

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    Phoned Allianz they say they do not do Motorhome insurance,but told me to call safeguard, who quoted me nearly £100 more than 2 other quotes I had
     
  3. tonka

    tonka Funster Life Member

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    NEVER...... Accept a first Safeguard quote.... They do try it on..
    I left them and went to Comfort for 2 years as they did some extra cover for Morocco.
    When I went back they quoted me £499... I was only paying about £330 ish before and had been with them for 10 years...

    30 seconds on hold "while they checked" and they could suddenly do £299 !!!!!!
     
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  4. Anthea M

    Anthea M Funster

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    Gary did you get the awning issue sorted ? Any damp ?
     
  5. JanGar

    JanGar Funster

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    Yes, they are all rip off merchants but the way they did it was not conducive to me being their customer. I also got a discount for the one I eventually got, so that's good advice.
     
  6. JanGar

    JanGar Funster

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    Got it taken off, not had it checked yet but will get it done ASAP. Covered the holes with duck tape to keep it dry.
     
  7. Anthea M

    Anthea M Funster

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    hope it's all good , we do use our awning especially in hot sunny france ( so I hope it can go back on. )Good luck let us know . Have you had a trip out in her yet?(y)
     
    Last edited: Jun 30, 2016
  8. Robert Clark

    Robert Clark Funster Life Member

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    That kind of behaviour stinks
    Reminds me of second hand car dealers rather than insurance professionals
     
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  9. Sparkly

    Sparkly Funster Life Member

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    Sorry but it's not a rip-off. It stated clearly on their home page.

    image.png

    No claims discount can only be used on one vehicle. The OP is still using his no claims discount for his car and is therefore not legible to claim the discount for his motorhome so the insurance company has recalculated the premium when the correct information is provided.

    As with everything you need to read everything first and ask questions if you don't understand before being disappointed.
     
    Last edited: Jun 30, 2016
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  10. Robert Clark

    Robert Clark Funster Life Member

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    You're mis quoting me
    Please re read my post
    I was commenting on @tonka 's post which suggests an 'elastiated' pricing policy.

    Shoddy at best - dishonest at worst
     
  11. Sparkly

    Sparkly Funster Life Member

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    Sorry for the error, I've edited my post.
     
  12. Robert Clark

    Robert Clark Funster Life Member

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    No need to apologise - but thank you anyway
     
  13. Lenny HB

    Lenny HB Funster

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    Yes but most Motorhome insurers will mirror your car no claims sounds like sharp practice to me, also Caravan Guard will not insure personal imports which I would have thought is against the free trade agreement.
     
  14. Liz H

    Liz H Read Only Funster

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    Hi Jangar, I work for Caravan Guard and was sorry to hear you weren't happy with your quote. It does sound strange we weren't able to give you ‘any NCD’. We are in most cases able to mirror no claims discount from a car insurance policy.
    I realise the ship has probably sailed and you have taken cover elsewhere but if send me a message me with your surname and postcode I'll more than happily have someone look into this for you and give you an answer as to why your car insurance record was not taken into account. Thanks Liz.
     
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  15. pappajohn

    pappajohn Funster Life Member

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    Don't forget.....insurers reserve the right to wind you up any way they want.
    They are under no obligation to insurer anyone or anything and if they do they can charge any premium they see fit.
    It's up to the buyer to buy or walk away, not for them to explain themselves.
    When I searched a quote for my car the search returned a lowest of £280 to a highest of a little over £2000.....for identical cover.
    Went to Hastings direct.....£145 for identical cover.
     
  16. RanC

    RanC Funster

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    First timers to MH, bought the Dethleffs in January. Have 2 cars insured with LV and after been given the run around with so called specialist MH insurers. Rang LV yes they would insure and although a 3rd vehicle accepeted the 9 years NCD. All in all with euro breakdown £320. Didnt't need the euro cover until December, but as it was in the same 12 months wouldn't allow the deferment until the December. Like all policies don't know how good yntil you test it.
     
  17. rangitira

    rangitira Funster

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    My NCB is used on both my car and M/H insurances, I'm insured with NFU Mutual
     
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  18. chaser

    chaser Funster

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    Never the cheapest, but always the best! I have two pickups, motorhome , tractor, house, farm, public liability all with them, anything I want to know they have all the info at hand in the office, four miles down the road, no phone calls , no call centres , no unexplained sudden rises in premiums.(y) Just go in and it's sorted in front of you.
     
  19. davejen

    davejen Funster

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    I was with NFU a while back, insuring the M/H and Smart toad, had to claim for damage to the Smart, when it came to renewing the policy , suddenly they "don't do Motorhomes anymore", so had to go elsewhere?????????
    Cheers, Dave:(:(
     
  20. scotty1

    scotty1 Funster

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    NFU do not give no claims bonus nor do they use it,when i left them after 10 yrs i had to get confirmation that i hadnt had claim?
     
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