Full timing Insurance (1 Viewer)

[scotjimland]

Their definition: if you do not own a house or have a house rental lease with at least 9 months to run, then you are fulltiming.

That's the best definition I've seen.. clear cut and no ambiguity... :thumb:

sound advice from the last three posters ...

EDIT

If you own a house but do not live in it.. then that is also full timing

 

[2657]

What about living with son or daughter, we share a house with my son, his house, we have no rental agreement. If we choose to travel for 11months of the year on a 365 day policy that is not full timing,could an insurance company prove otherwise.Our situation is slightly different in that we tow a trailer which is insured separately from the pickup and do not therefore 'live' in the prime mover.

 

[scotjimland]

What about living with son or daughter, we share a house with my son, his house, we have no rental agreement. If we choose to travel for 11months of the year on a 365 day policy that is not full timing,could an insurance company prove otherwise.Our situation is slightly different in that we tow a trailer which is insured separately from the pickup and do not therefore 'live' in the prime mover.

Interesting question .. the best advice would be to ask your insurer .. this is only my opinion ...

The first point about no rental agreement..

from the law society

A tenancy agreement is a contract between you and your tenant. [HI]This contract can be written or verbal. [/HI]In England and Wales there is no law to say that landlords have to provide a written tenancy agreement, but it is a good idea to do so. Otherwise, if you have a dispute with your tenant about the terms of the agreement, it is your word against theirs as to what was agreed.

For all practical and legal purposes you are in rented accommodation, so as you say.. you are not fulltiming if you live there for X months per year.

However, a word of caution, non discloser of any circumstances to an insurer can give them a way out.. it is down to you to make sure you have given all the pertinent details. It's too late when you have a claim and they wriggle out on a clause in the small print. So read it very carefully.

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[Landy lover]

Sorry if this response may appear somewhat contentious but here goes

Covering a motor home or car for the legal aspect of being on the road an not being stopped and having it taken off you by the police is a relatively easy process you can go anywhere and just get the cheapest and you can pass all the ANPR camera's in the world with impunity

BUT insurance policies are a like brakes on your vehicle you only know if they are working when you need them !!!!!!!!! unless of course you ensure they are !!!!

Insurance companies increasingly are looking at ways of minimising their liabilities and payouts and they will examine your circumstances in the case of a claim - they check out sites like this - many insurance companies I have heard of state that using a motorhome/ caravan for more than 180 days in any 365 constitutes full timing.

If you don't tell them all the accurate information no matter how you wrap it up you run the risk of being uninsured at the very time you need the cover ie when something has gone drastically wrong ie accident / fire / theft. Non disclosure or stroking the truth is putting all your hard earned an your home at risk of total loss

Then the issues of being refused a claim and possibly refused insurance goes on your record making any future insurance with any company excessive - records are shared between insurance companies !!!