Comfort insurance deal breaker

Discussion in 'Motorhome Insurance General Discussion' started by Geordies, Apr 7, 2014.

  1. Geordies

    Geordies Funster

    Joined:
    May 29, 2013
    Messages:
    936
    Likes Received:
    2,125
    Location:
    Tyneside
    Been doing a bit of phoning round to get quotes for the MH.

    Rang Comfort, went thro the usual questions, came to;

    "Where is it kept at night"? "On our drive, behind locked gates under a street light, with a camera on it" said I. "Good" they said, then they hit me with, "If it is kept for more than 36 hours, NOT on your drive, behind locked gates under a street light, with a camera on it you must inform us"

    "Well", I said, "If we got back home at 1am, for instance, I would leave it on the road not bother putting it on the drive, but go straight to bed and put it on the drive next morning". (we are on a quiet estate road)

    "Sorry, it's not covered overnight ON A ROAD unless your camping in it"!!!!
    they replied.

    "What about the 36 hours away from the drive then?" said I

    "That means at another STORAGE location" they said.

    So theoretically, if I was going on a trip down South, decided to call into my Brothers house in Grantham and he let us stay in his spare room overnight, then the MH is NOT covered by insurance while it is on the ROAD in front of his house as we are not sleeping in it and it is not in storage. They want it to either be occupied, or on the drive!!

    Needless to say, won't be using Comfort, but if any of you are, you might want to be aware of the above.
     
    • Like Like x 3
  2. davanne

    davanne Funster

    Joined:
    Mar 16, 2010
    Messages:
    1,283
    Likes Received:
    7,085
    Location:
    Carmarthenshire
    Try AIB as Jim recommended ......:Smile:I've got a good deal from them.
     
  3. Jandek

    Jandek Funster

    Joined:
    Jan 21, 2013
    Messages:
    393
    Likes Received:
    511
    Location:
    Rugby
    :thumb:
    Also got a good deal with AIB (Darren).:Smile:
     
  4. davanne

    davanne Funster

    Joined:
    Mar 16, 2010
    Messages:
    1,283
    Likes Received:
    7,085
    Location:
    Carmarthenshire
    Mine was with Nigel:thumb:
     
  5. Sheddy

    Sheddy Funster

    Joined:
    Oct 20, 2010
    Messages:
    861
    Likes Received:
    2,716
    Location:
    Burry Port South Wales / Benidorm
    Recently had the builders in they needed to put scaffolding up for one week, so had to move the MH onto the road outside our house, I phoned Comfort they said they would not normally insure if it was parked on the road, but because I was a loyal customer they would insure for 7 days for an additional premium of £36 ! (£1877 p/a)!!!!:Angry::Angry:
    On renewal I shall go elsewhere, already moved the toad policy to the C & CC.:thumb:
     
    • Like Like x 1
  6. DP_JAY

    DP_JAY Funster Life Member

    Joined:
    Mar 17, 2010
    Messages:
    1,797
    Likes Received:
    1,022
    Location:
    Cark, Cumbria
    Had a similar issue with ours. If I declared it kept in a garage then its not covered on the drive, but if declred kept on the drive it made no difference to the premium.
     
  7. tonyidle

    tonyidle Funster

    Joined:
    Aug 6, 2013
    Messages:
    2,867
    Likes Received:
    2,685
    Location:
    Kendal, Cumbria
    I'm surprised they'll cover small amphibians at all - they have a nasty habit of disappearing.:Rofl1:
     
  8. Phill D

    Phill D

    Joined:
    Dec 6, 2011
    Messages:
    4,414
    Likes Received:
    4,632
    Location:
    South Wales
    so! what happens if you park it on the roadside ( cos theres barriers on the local car park ) walk into the shops only to return to find it nicked or damaged!

    covered? or not covered?

    i am with comfort and have to call them to make a change to my policy i will ask more about this...
     
  9. Geordies

    Geordies Funster

    Joined:
    May 29, 2013
    Messages:
    936
    Likes Received:
    2,125
    Location:
    Tyneside
    It's just the OVERNIGHT bit they don't like, but define overnight?
     
  10. Phill D

    Phill D

    Joined:
    Dec 6, 2011
    Messages:
    4,414
    Likes Received:
    4,632
    Location:
    South Wales
    just spoke to comfort on a policy changed and asked for clarification on this point.

    they were clear that its all to do with the main storage location and if that changes for more than 36 hrs they want to know.
    i asaked if i parked on the road side when away from home and left the vehicle unattended for several hours what was the position? the reply..

    if you are using the vehicle away from home and leave it unattended, parked on the road it is deemed you are using the vehicle and its covered.
     
    • Like Like x 1
  11. ivorantony

    ivorantony Funster

    Joined:
    Jan 22, 2013
    Messages:
    462
    Likes Received:
    478
    Location:
    London SE
    When I was checking quotes for my insurance this year I spoke to comfort and was asked were I would be keeping the motorhome. I said on my drive and the cheeky sod went on to google earth street view to see if I had a driveway:Eeek:

    Then she queried if I could get a motorhome on it with my land rover already
    there, needless to say they didn't get my business :Doh:
     
  12. Hydrocell

    Hydrocell Funster

    Joined:
    Jun 22, 2012
    Messages:
    176
    Likes Received:
    112
    Location:
    Ebbw Vale Gwent
    Hi Darren

    Please can you enlighten me, who is AIB and do you have there number.

    Regards
    Ray
     
    Last edited: Apr 7, 2014
  13. davanne

    davanne Funster

    Joined:
    Mar 16, 2010
    Messages:
    1,283
    Likes Received:
    7,085
    Location:
    Carmarthenshire
    Jim our leader did a thread on it a couple of weeks ago mentioning they would do good deal for funsters.
    Their number is 02380268351 mention Motorhome fun and you get a good deal.
    They sorted my policy with Aviva at a very reasonable price.:thumb:
     
  14. The truck

    The truck Read Only Funster

    Joined:
    Mar 28, 2014
    Messages:
    5
    Likes Received:
    1
    Location:
    Lee on Solent
    If your motor caravan is in storage, this policy section will continue to apply when
    a) Your motor caravan is stored at your private
    address; or
    b) Yourmotorcaravanisstoredontheprivate
    driveway of a close friend or relative, provided that it forms part of their property (subject to acceptance of postcode)
    c) YourmotorcaravanisstoredataCASSOA storage facility
    d) Your motor caravan is stored at a non-CASSOA storage location that has been approved by us

    Storage seems to be defined as outside of your custody or control for more than 36 hours. My interpretation would be that leaving the vehicle in the road whilst staying with a friend overnight would be OK. It's the definition of custody and control which is in question. Leaving it in the road adjacent to your friend's house while you flew to the Canaries for a week would not be covered. Leaving it in the road while you are staying with your friends for a week and using it on a daily basis or being near it on a daily basis would appear to me to be covered.

    The devil is always in the detail.:Doh:
     
    • Like Like x 1
  15. The truck

    The truck Read Only Funster

    Joined:
    Mar 28, 2014
    Messages:
    5
    Likes Received:
    1
    Location:
    Lee on Solent
    Possibly the same insurance company.

    Comfort is underwritten by Aviva.
     
  16. Geordie and the Dragon

    Geordie and the Dragon Funster

    Joined:
    May 3, 2008
    Messages:
    192
    Likes Received:
    133
    Location:
    North Wales
    Trem,

    Do you have a proactive tracker fitted ?, alongside the vehicle's immobiliser, and with comprehensive insurance our camper attracts a 44% discount, another 2.5% for MotorhomeFun membership, and a further 7.5% taken off for less than 5000 miles travelled in 12 months.

    Except for when we are driving the tracker is switched on all the time, we are monitored 24 hr Europe-wide, while we sleep the internal motion sensors are switched off.

    Our camper new at Aug 2008 has these fitted, valued at £60,000 last year we paid

    £513.30 premium, with £300 excess, plus £100 excess for windscreen cover
    (to replace £4,000 minimum) we are 71, 72 and we both drive.

    UK Breakdown assistance or recovery,
    24 hr 365 day helpline, any weight, any length (this is crucial for big vehicles).
    Comprehensive European cover for up to 9 months. See website for more detail.

    We insured online with CaravanGuard
    www.caravanguard.co.uk

    Our tracker is from Phantom
    www.phantom.co.uk

    1 Proactive-Tracker £499 fitted + 8.99 a month by D/D or :-
    2 £99 annual cover
    3 £349 for 5 year cover

    Apologies for being long-winded, it has taken many years and several whoopsies dealing with our cash flow while buying vehicle insurance, more out than in, but then I never could resist a challenge.

    Good luck and Happy travels.
     
  17. jhorsf

    jhorsf Read Only Funster

    Joined:
    May 15, 2009
    Messages:
    9,157
    Likes Received:
    8,067
    Location:
    DERBYSHIRE
    That seems very expensive
     
  18. ourcampersbeentrashed

    ourcampersbeentrashed Funster

    Joined:
    Apr 19, 2008
    Messages:
    7,652
    Likes Received:
    4,284
    Location:
    East London
    safeguard insure for on the road if that helps

    and as for trackers, get Eddie Vanbitz to fit one for you, its nowhere near as expensive as the phantom
     
    Last edited: Apr 8, 2014
  19. Hydrocell

    Hydrocell Funster

    Joined:
    Jun 22, 2012
    Messages:
    176
    Likes Received:
    112
    Location:
    Ebbw Vale Gwent
    Hi Anne

    Thanks for the phone number; I’ll check them out later.

    Many thanks

    Regards
    Ray
     
  20. mapa

    mapa Read Only Funster

    Joined:
    Sep 16, 2013
    Messages:
    29
    Likes Received:
    42
    Location:
    Colchester
    I've long since learned that being honest with insurance companies is a futile exercise. I lie through my teeth to get the best deal. If it got stolen would I lie to the police? Of course I would. I'm an ex copper so i know the system and its a paperwork exercise. Get a tracker fitted, look after your keys and add security systems. The scrotes will look elsewhere if the hassle is too great. I've dealt with 2 stolen MHs both had trackers and both were found hidden up "cooling off".
     
    • Like Like x 2
Loading...

Share This Page