Hello my good friends. ~:D

Discussion in 'Introduce Yourself' started by Tigerham, Dec 11, 2012.

  1. Tigerham

    Tigerham Read Only Funster

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    Hello again, and thank you for having me on this website my good friends.

    I have just sold my house and I have almost completed the sale and have been talking to a friend who will sell his motorhome to me straight away.

    I am very excited but I am having some difficulty in insuring the Sun Voyager as I originally wished to live in it but now I think I have to live at my parents house for insurance companies to insure the motorhome.

    It is in Spain at the moment and I need to fly out there, collect it and bring it back to the UK to my parents address and am also having difficulty finding insurance for this too, lol.

    You could say I am having a bit of a bumpy ride, so to speak, but I haven't even started driving yet. ~:D

    My name is Hamid but all my friends call me Ham. Anything you wish to call me is fine as it never changes who I am, being honest. ~:D

    I look forward to hearing from you all soon and any advice on the insurance would be humbly and sincerely appreciated. Thank you. Xx
     
    Last edited: Dec 11, 2012
  2. GJH

    GJH Funster Life Member

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    If you do a search on the forum for Full Timing Insurance you will, hopefully, find several which give advice. If I recall correctly, Comfort do a full timing policy.
     
  3. Tigerham

    Tigerham Read Only Funster

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    Hi Graham and thank you sincerely for the advice my friend. ~:D

    I did try Comfort insurance and they said they would not insure myself if I was living in it unfortunately.
     
  4. Tigerham

    Tigerham Read Only Funster

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    By the way Graham I love your signature strap line and absolutely true.

    Laughter is the spice of life but at no ones expense, after all there are jokes that are not offensive...

    "Two fish in a tank, one says to the other "How d'ya drive this thing?".

    ~:D Xx
     
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  5. chatter

    chatter Read Only Funster

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    Hi and Welcome,
    may i suggest you have a read of this forum - its a full timers forum, they do say Comfort cover it but its expensive

    http://www.motorhome365.com/
     
  6. FULL TIMER

    FULL TIMER Read Only Funster

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    Hello there, you will not only find it easier but also a lot cheaper if you can use your parents address as your so called home address, it would also be beneficial if you get on the electoral roll. Just apply for motorhome insurance giving your parents address as your home address I wouldn't mention fulltime motorhoming to the insurance company as you have found out most won't want to know. Most insurance covers you for so many days abroad or in europe so you would then be insured to bring the vehicle back to the UK ( assuming it is UK registered) I have more or less done the same ,using my parents address for anything official such as licience ,insurance and banks etc, I never mentioned that I lived in the motorhome full time merely saying to the broker that I did spend several months at a time touring. several insurance companies spring to mind such as comfort, safeguard, adrian flux,
     
  7. GJH

    GJH Funster Life Member

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    Oh please, no, not this sort of advice again. As has been discussed on several threads in the past, deliberately misleading an insurance company by telling them untruths is fraud. We have a number of members here who live in their motorhomes full time and have insurance which reflects that fact. If they can do it then everyone else can do so without resorting to lies.
     
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  8. Tigerham

    Tigerham Read Only Funster

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    Hi again and thank you all for the great advice.

    I tried Comfort and said I will be living at my parents as they agreed I could if needs be. But Comfort declined to insure myself as they said they would need at least 3 years driving experience on this Sun Voyager which I think is about a 5.9 litre.

    This most certainly is a rediculous society that people live in at the moment.

    I never thought it would be so hard to get insured in a vehicle.

    I will keep trying tomorrow as everywhere will be closed now.

    Thank you again for all your help, sincerely appreciated and great to be here for sure. ~:D
     
  9. Reallyretired

    Reallyretired Funster

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    Are you by any chance a young person (anyone under 70 on this forum) or a new(ish) driver. The bit about needing 3 years experience of driving a vehicle you can't be insured for doesn't make sense otherwise. What is the weight of the vehicle? with a 5.9L engine it is certainly more than 3500kg, possibly more than 7500kg
     
  10. Wildman

    Wildman Read Only Funster

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    ahlan wa sahlan to the Fun Hamid, that sounds like a large motorhome, I hope you have made sure you have the correct driving licence to drive it a pre 1997 English licence and you are ok up to 7.500kgs. over that you will need an HGV licence. so please do check before buying it or you could have a problem.
    I have just checked and that model is nearer to 10 ton than 7.5ton so definately an HGV licence required.
     
    Last edited: Dec 11, 2012
  11. chatter

    chatter Read Only Funster

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    I also think we need to have a bit more information with regard to getting it insured, and what licence you would need to drive it
    it is an american rv that you have put the make of on but there are different models some are under 7500kg and can be driven on a uk licence issued before 1997, other models are over that weight and then you need to hold a HGV licence (for lorries)

    If you got your licence after 1997 you can only drive a motorhome up to 3500kg. To drive a larger one up to 7500kg you would need to take an additional test
     
  12. f6c

    f6c Funster

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    welcome

    Welcome aboard:Wink:
     
  13. FULL TIMER

    FULL TIMER Read Only Funster

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    The op stated that he was going to live at his parents address
    "I am very excited but I am having some difficulty in insuring the Sun Voyager as I originally wished to live in it but now I think I have to live at my parents house for insurance companies to insure the motorhome".
    As for my own situation I use my parents address as they have a granny annex that is available to me at anytime (plus a lot of my stuff is stored there) I'm also on the electoral roll there, so I'm hardly miss leading the insurance company they place no restrictions on how many days I can use the motorhome, I pay for a years insurance so I will use it as much as I can.
     
  14. Vlad The Impaler

    Vlad The Impaler Funster

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    Many people live full time in HOLIDAY PARKS and simply spend 2 weeks or so off site each year .Are these people misleading others or just being economical with the truth?As suggested earlier you could go on long relaxing holiday then return home to see mum and dad for a couple of weeks and catch up with family and friends before heading off again! I wish I could.
    Vlad
     
  15. hilldweller

    hilldweller Funster Life Member

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    It gets more ridiculous by the day. Anything that departs by a fraction from "normal" frightens the insurers to death. They can calculate for "normal" but deviate from that and the person at the other end is concentrating on his/her job and pension not your problem. What they may do is offer a stupidly high premium so that they consider their job will be safe.

    You might not win this one.
     
  16. Carol

    Carol Funster Life Member

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    Hello and welcome to Motorhome Fun, hope you can sort your insurance out, and enjoy your motorhome:welcomefunster:
     
  17. GJH

    GJH Funster Life Member

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    But that is rather different from the posting I commented on "Hello there, you will not only find it easier but also a lot cheaper if you can use your parents address as your [HI]so called home address[/HI], it would also be beneficial if you get on the electoral roll. Just apply for motorhome insurance giving your parents address as your home address [HI]I wouldn't mention fulltime motorhoming to the insurance company[/HI] as you have found out most won't want to know"

    That wording implies deceiving the insurance company - i.e. fraud. It is up to all of us to give the full facts to the insurance company, not to simply bend the truth to obtain a deal which otherwise would not be available - and leave innocent, properly insured, motorists at risk.
     
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  18. FULL TIMER

    FULL TIMER Read Only Funster

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    The first highlighted bit was meant to be a sarcastic dig at insurance co., the second I stand by UNLESS you very specifically need fulltimers insurance, I have an address whether I stay there or in my motorhome and for how long is upto me so If I mentioned fulltimers insurance I'am sure that I would be penalised by the insurance company. I'm almost certain they would find a way of bumping the premiums up just at the mention of the word.
     
  19. peter marshall

    peter marshall

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    I know nothing about full timing but I am wondering if the original post was a wind up, to get things hairy between people who reply in good faith. Pete :Angry:
     
  20. GJH

    GJH Funster Life Member

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    The point is that people are either full timing or they are not. Either way, the facts must be given to the insurance company. If the true details of anyone's chosen lifestyle increase their premiums that is simply a consequence of their choice which they must expect to live with.
     
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