Insurance for full timers?

Discussion in 'Motorhome Insurance General Discussion' started by Kiwi Coss, Aug 1, 2014.

  1. Kiwi Coss

    Kiwi Coss Funster

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    Are there any full timers out there that can put me In touch with an insurance company?
    I tried to use caravan and camping but was refused because we had a claim last year.
    Contacted Adrian Flux and they want to charge over £1,000 for the privilege.
    Looks like it is an expensive claim and the clam was only £2,000. If I had know that I would have paid for the repairs myself.
    Look forward to you help.
    Colin
     
  2. scotjimland

    scotjimland Funster Life Member

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    The only company I know that provide full time motorhome insurance is Comfort .. they quote on a 'case by case' basis.. you will need to call as they don't do on-line quotes for full timers.
     
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  3. Bobby22

    Bobby22 Funster

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  4. Jim

    Jim Ringleader

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  5. mojo

    mojo Funster

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    I was quoted by Comfort £740.00 for full time and was ready to ditch the CCC insurance taken whilst in our old house.When I called and asked CCC that I was now temporarily living with our son whilst house hunting for a unknown time they were happy to continue if I had a address.My log book and driving licence now registered at his address untill we find something that may take a few years.
     
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  6. Bobby22

    Bobby22 Funster

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    Just insured through AIB for the year and got a really good deal. Make sure you mention FUN when you call and they will go that extra mile. Really helpful and want your business.
     
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  7. BreweryDave

    BreweryDave Funster Life Member

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    If you are not on the electoral role and don't own or rent a property - Comfort is the ONLY provider for full timing.
    All
    The others require you to have an address even if u don't live there!
     
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  8. scotjimland

    scotjimland Funster Life Member

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    Exactly Dave , as I said earlier , and all the others who say or think they have full time insurance with a company other than Comfort are being economical with the truth to the insurer .. 365 travel cover abroad is not the same as Full time..
     
  9. Jim

    Jim Ringleader

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    I've just spoken to AIB as from recent discussions for an article on Motorhome365 I was left with the impression that they sold regular fulltiming insurance.

    They have confirmed they can and do insure motorhomers who have no fixed abode. They use the same underwriter as Comfort; Aviva and as they use more than one underwriter they can also place fulltimers with Equity. However, they did say that all fulltimer policy proposals are forwarded to the underwriters who have the last say in acceptance.
     
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  10. mojo

    mojo Funster

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    I take your point and with your previous posts in mind ,made the Comfort enquiries and was ready to commit .The electoral roll will be on my list to change.Surely you are allowed to live with a son or daughter without a formal rental agreement in place.We spend a lot of time back and forward to UK so no long trips yet.
     
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  11. Gandhi

    Gandhi

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    Can't you just find a friend or family member that is happy to have it on the electoral register that you live there and then just go and get run of the mill insurance?
     
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  12. BreweryDave

    BreweryDave Funster Life Member

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    Of course you can! Just don't expect them to pay up if they catch you out! IMHO - if your insurance isn't completely up front - then you might as well not have any! I think it's the most important thing for a proper full timer. (Apart from beer in the fridge!)
     
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  13. scotjimland

    scotjimland Funster Life Member

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    Yes, you could .. however, the onus is on the insured to disclose all relevant details to the insurer.

    If you don't disclose that you are living full time in your van the policy would be void.. and in the event of a claim .. you're up $hit creek.

    "Non-disclosure" refers to the situation where a customer fails to reveal a relevant fact when applying for – or renewing – an insurance contract. It is widely recognised that in some situations involving non-disclosure, applying the strict legal position can result in an unduly harsh outcome for the customer.
     
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  14. Gandhi

    Gandhi

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    I would have thought proving you didn't live somewhere you were registered at would be nigh on impossible. I wouldn't want to have to prove it beyond reasonable doubt without extensive film footage, neighbour's affidavits and a multitude of other evidence .
    .If you spend one night there a year and it's a postal address and you're on the electoral register then ........you live there.
    Also personal experience of insurance companies (and friends' experiences) suggests they will try to wriggle out of any claim regardless of whether or not you're up front. It's their nature to do so. Sadly being straight with them doesn't always guarantee the same in return.
     
  15. scotjimland

    scotjimland Funster Life Member

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    You would risk everything you own, including a van worth tens of thousands of pounds by being economical with the truth with an insurer to save a few hundred pounds ?

    I think that's madness.. be honest with the insurer, tell them exactly what you are doing otherwise they will have reason to reject a claim..

    In my previous post I quoted from this site.. you can read more here http://www.financial-ombudsman.org.uk/publications/ombudsman-news/46/46_non_disclosure_insurance.htm


     
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  16. Dazzlin

    Dazzlin Funster Life Member

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    I spoke to AIB when our renewal was up in july and as soon as I stated we did not live at our contact address they said they could not cover us.
    Renewed with Comfort. Rather be covered properly.
     
  17. Gandhi

    Gandhi

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    Thanks for the pointer towards the ombudsman site.... I worked in the legal department of two major insurance companies here and abroad.

    My wife was totally honest with our own vehicle insurers when she reversed at approximately 2 miles an hour in a supermarket car park into the side of an Asian's car. People in my wife's car and people walking behind her with trolleys said it didn't even scratch his paint- she took a photo of it but it was too faint to appear.
    The result?
    A personal injury claim against my wife to the tune of many thousands of pounds for both the driver and his passenger together with massively increased premiums for the next few years.
    When my wife called the insurance company to complain about their lax attitude they simply said "This claimant is well known to us" and that they were not contesting it.

    Another experience of motor insurance? Finding out that another company had insured my Volvo for 'Pleasure driving ' only for over 12 months and that I had not been insured to commute in it despite sitting in traffic doing so for 12 months, me being classed as a professional and the car being identified with them as the main vehicle. When I queried such a ridiculous cover and did anybody ever actually ask for such nonsensical cover they said, rarely, and that housewives sometimes did. It was obvious that whoever had quoted the policy over the phone at inception had selected the cheapest option to make it very attractive price-wise and not identified the useless nature of the policy thereby, effectively leaving me driving uninsured for a year.

    Emotive phrases such as 'non disclosure' and the erstwhile belief that insurance companies will actually treat you fairly as long as you play fair are often little more than a blend of insurance company propaganda and romantic notions.

    Give them an address, Get some of your post sent there. Get registered there on the electoral register.- Then you live there. I have never been asked to prove I live anywhere regarding any claim. I have never known anyone be asked to prove it. Nor I doubt will I ever.

    If I live in an address for ONE SINGLE day where my post is sent to, where I am registered as living and if I deem it my permanent abode then my abode it is. I am intrigued to know how long I would have to go touring to be considered a non-resident of my bricks and mortar address? One month? Two? A year? Two years? The five weeks I have recently spent in France recently - was I non-domiciled at that time? The two years I spent in South Africa whilst having a car here in the UK for when I visited was I in breach of non disclosure?

    Regardless of the value of the motor home we all already pay absurdly high premiums for vehicles that many of us drive less than a few hundred miles a year at low speed to park up in a field somewhere. The rest of the year we're paying to leave it on the drive. We don't need to encourage them to take even more.
     
  18. Gandhi

    Gandhi

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    deliberate
    Customers deliberately mislead the insurer if they dishonestly provide information they know to be untrue or incomplete. If the dishonesty is intended to deceive the insurer into giving them an advantage to which they are not entitled, then this is also a fraud and – strictly speaking – the insurance premium does not have to be returned.

    I wouldn't be 'misleading' the insurer. I would simply be in my motor home for a good longer than most casual users - strictly speaking.

    1 day a year, 100 days a year, 360 days a year..... Nowhere on my policy is time spent specified. Mileage is. If they want time spent to be a pertinent factor or an insurable risk factor then I suggest they mention it.

    I had very expensive boats for years and never was I asked to specify how long I spent on any of them. It's none of their business. If they want it to be their business ask about it at the point of quotation.

    If I decide to drive to Benidorm tomorrow and stay there for 5 months longer than my intended 1 month do I now live on it? I would be intrigued to see their attempt at proving so.

    Imagine the confusion if they did start building in time spans to policies :ROFLMAO:

    "How long are you planning to use your motor home this year?"
    "I don't know"
    "Approximately"
    "I don't know depends on the weather"
    "More than a month"
    "If the weather's nice"
    and so on..........
     
  19. Kiwi Coss

    Kiwi Coss Funster

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    Good comments all. When I rang the various companies I ran into a brick wall. If it wasn't an address, I used my daughters address in London, which wasn't suitable. Thru to me not having a UK licence long enough. Also we had a claim, non accident, small gas explosion, £2,000 damage, which counted against us. Also wanted more than 90 days EU cover. All said at the end we were not suitable. Bloody frustrating especially when you are trying to organise new insurance from in Europe. Just went back to Down Under for £1,000. Then it is even more frustrating when we get back to London and have all this junk mail come thru that all these companies want to insure us. Yeah right.....
     
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  20. Gandhi

    Gandhi

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    I agree Kiwi

    they take the p*ss out of us, they really do.

    Because we're typically middle class, low risk and usually offer low resistance they just keep on milking us for more and more. When we need them - in the event of a claim, then watch for their 'honesty'. It's true they aren't guilty of 'non disclosure' just obfuscation and playing loop holes all the time.
     
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