Insurance for MH.....Naive question perhaps?

Discussion in 'Motorhome Insurance General Discussion' started by Chockswahay, Jan 23, 2013.

  1. Chockswahay

    Chockswahay Funster

    Joined:
    May 29, 2012
    Messages:
    3,097
    Likes Received:
    4,795
    I am about to start the time consuming process of checking out insurance for delivery of our new 'van in March. I have a multi car policy with Admiral (me and the kids) but I notice from reading these forums that most people seem to use Comfort, Safeguard, Frank Pickles etc.

    Is there a significant reason why people don't just simply insure with their normal car insurer?

    I also notice on the online quote facility with these companies that few if any offer 'no claims bonus' discounts.

    Before I start the whole drawn out business of getting online quotes could anyone offer me any advice please?

    Many thanks
     
  2. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,501
    Likes Received:
    3,859
    Location:
    Nr Jct 3 M6
    Good question, and it is indeed simple.

    It's because 99% of car insurers don't do motorhomes ......
     
  3. Terry

    Terry Funster

    Joined:
    Dec 27, 2007
    Messages:
    10,722
    Likes Received:
    6,224
    Location:
    South yorks
    Hi you will find M/H INS IS PROBABLY A LOT CHEAPER THAN CAR INS.:Eeek: lot's of companys don't give a no claims bonus but lots do :thumb:Some will mirror your cars no claim B :thumb: so if you have full NCB on car they will give/ mirrror the NCB
    terry
     
  4. Zajacp

    Zajacp

    Joined:
    Sep 11, 2012
    Messages:
    92
    Likes Received:
    57
    Location:
    Cheltenham
    hi grahame
    I found that most car insurers do not cater for motor homes,we are with direct line with multicar but they would only insure the base vehicle and not the habitation.most of the mh insurers will mirror your no claims over to your new mh any way and at a much cheaper rate.hope this helps
    paul
     
  5. Carol

    Carol Funster Life Member

    Joined:
    Oct 2, 2007
    Messages:
    10,357
    Likes Received:
    14,789
    Location:
    North Wales.
    One of the reasons is the European Cover you get for motorhomes, if you are going to quite a few places, Morocco being an example, even some motorhome coverers wont do it.
    If you are staying in the UK I got a good deal from the Caravan Club yesterday after ringing around a few, in fact it was £100 cheaper than some.
    Also make sure you have breakdown cover adequate for the motorhome, some do not cover certain lenghs.
     
  6. grasscutter

    grasscutter Funster Life Member

    Joined:
    Oct 11, 2009
    Messages:
    1,358
    Likes Received:
    2,244
    Location:
    East Wittering. West Sussex.
    For us Safeguard had the best deal. European cover and breakdown included and also mirrored our NCB.
    Good luck searching.
     
    • Like Like x 1
  7. Geo

    Geo Trader - Funster

    Joined:
    Jul 29, 2007
    Messages:
    9,544
    Likes Received:
    5,596
    Location:
    Mansfield,Notts
    Car insurers cant understand why a £16000 van suddenly jumps up to £50000 by adding a few interior bits
    And quite frankly neither can I:Rofl1::Rofl1::Rofl1:
     
    • Like Like x 1
  8. canopus

    canopus Funster Life Member

    Joined:
    Nov 27, 2010
    Messages:
    2,827
    Likes Received:
    3,207
    Location:
    Lincolnshire
    If you insure with Comfort their policy is underwritten by Aviva. My car is insured with Aviva so I asked them for a multi-vehicle quote. Their answer - we dont insure motorhomes.

    As others have said depends what you require - UK only, UK plus so many days Europe, named drivers etc etc.

    Then you can fall into another minefield. You may then find that your house insurance is not valid if you're out of the country and the house is unoccupied for x number of days.

    Finally Lynda had an accident in her car on 22 December. She is fully comp, protected no claims and has a 38 year accident free record. We are still waiting for SHEILAS WHEELS to decide if the car is a write off, or whether it is repairable. Thats 32 days :Angry::Angry::Angry:

    Bloody insurance :Angry::Angry::Angry:
     
  9. Terry

    Terry Funster

    Joined:
    Dec 27, 2007
    Messages:
    10,722
    Likes Received:
    6,224
    Location:
    South yorks
    Was'nt there a Scottish 17 yr old (a couple of weeks back) saying he got cover for a campervan from Aviva direct ? cost £1.000- very very cheap for 17 :thumb:
    terry
     
  10. Viennese

    Viennese Funster

    Joined:
    May 21, 2008
    Messages:
    2,346
    Likes Received:
    2,529
    Location:
    Oxford
    I'm with Safeguard with European cover

    (which seems in fact to be through Swinton), and have 4 years no claims bonus with them. I have since moved my car and house insurance to Swinton as I got discounts in both instances.

    Catherine
     
  11. deisel doctor

    deisel doctor Read Only Funster

    Joined:
    Jul 21, 2012
    Messages:
    74
    Likes Received:
    19
    Location:
    stowmarket
    I went with comfort (aviva) price costomer sirvice, as we have fiat assistance brake down all over europe free for 3 years didnt need breakdown..:thumb:
     
  12. The Dude

    The Dude Funster

    Joined:
    Jan 10, 2013
    Messages:
    2,110
    Likes Received:
    2,271
    Location:
    Near Uttoxeter and Crete
    MH Insurance

    Just insured ours after calling Safeguard, Comfort and Caravanguard - went with Safeguard - reasonable premium, unlimited european ytavel cover plus 12 month breakdown cover in Europe and £15 discount for being a member here.
     
  13. Chockswahay

    Chockswahay Funster

    Joined:
    May 29, 2012
    Messages:
    3,097
    Likes Received:
    4,795
    Thanks guys, I'm on the case :Smile: (or should that be 'I am a case') :BigGrin:

    :thumb:
     
  14. Viennese

    Viennese Funster

    Joined:
    May 21, 2008
    Messages:
    2,346
    Likes Received:
    2,529
    Location:
    Oxford
    That's interesting

    They wouldn't give me a discount for being a Fun member!
     
  15. Chockswahay

    Chockswahay Funster

    Joined:
    May 29, 2012
    Messages:
    3,097
    Likes Received:
    4,795
    Well so far.........

    Safeguard have been the nicest most friendliest people to deal with and they have offered me the best quote by far. They include full AA breakdown cover, new for old, unlimited miles here or abroad :Smile:

    I still have a couple more to check out but it does like a big :thumb: for Safeguard :thumb::thumb:

    :Smile::Smile:
     
Loading...

Share This Page