Insurance problems.

Discussion in 'Motorhome Chat' started by GWAYGWAY, May 11, 2016.

  1. GWAYGWAY

    GWAYGWAY Funster

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    I have the new van on order, and due to be picked up on the 27/5 but have not got any insurance yet and cannot register until it is insured.
    I got a quote from Comfort for a reasonable sum but they refuse to issue it until I have it booked in for and alarm and / tracker fitted or booked in for it. I would not be insured until they are on it for theft. I cannot get an appointment until July from Eddie as they are booked solid until then.and their tracker is not an approved one as it is not monitored. The dealer needs the insurance to register and tax it a week before I get it at least. and the tracker must be Thatcham approved so that means a monitored one costing an arm and leg, but they want a registration number before covering it.
    Caravan Guard will cover it but also subject to the fitting of alarms etc so I will have to go to NFU who are happy to insure on the VIN number until it is all settled. I though it would be easier than this but the dealer cannot fit any alarms until they have workshop time and are booked up solid for extras. TWITCH-TWITCH I'm off again. All down to the value of the van. Causing me angst. TWITCH . I'll have grey hair soon at this rate, or have I already?
     
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  2. NickNic

    NickNic Funster Life Member

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    That's a new one. They didn't have any insurance details for mine until the day before I picked it up so they could tax it.

    That's not just the motorhome either. It applies to every new car I've ever bought as well.

    I'd be querying the dealer as they should know bloody well that without a registration number the only way it can be insured is on the VIN and I've never heard of that before for a vehicle sold in the UK.

    I hate to suggest it but I think someone at your dealer either doesn't know what they're doing or is bullshitting you for some reason best known to themselves.
     
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  3. gus-lopez

    gus-lopez Funster

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    What he said.^^
     
  4. Hyacinth 1

    Hyacinth 1 Funster Life Member

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    I've had the same problem with mine, the insurance co. would not insure it without the van having alarm and tracker fitted before the van left the dealers, it could be registered though without the insurance or so I was told.

    I had an appointment at vanbitz in July but they said that was too long after picking up the van before the alarm was fitted, i've ended up having to have the dealer alarm and tracker fitted even though it's not as good as the strikeback or growler.

    Liz
     
  5. milliethehymer

    milliethehymer Funster

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    Exactly the same problems here as @GWAYGWAY and @Hyacinth 1 had. Interestingly the same MH as gwaygway and same dealer involved.

    Think it was to do with taxing rather than registering the MH.

    But it was immensely frustrating that I ended up putting on an alarm which is about as loud as a fart and utterly useless and a tracker that means I have to carry a separate fob whenever the van is moving, just to comply with insurers requirements. The alarm and tracker set up are so far the biggest disappointment with the MH. Both are Cobra systems and the choice of Thatcham Cat 5 trackers is very limited indeed.

    I'd much rather have had vanbitz systems but it just couldn't happen.

    I also had to send a copy of the alarm certificate, tracker subscription showing as paid AND two photographs of the van up the drive!

    I'd make sure the dealer fully demonstrates the alarm during handover as although I can set mine, I've no idea how to set it for perimeter protection only so can't have the thing set when we go to bed at night. Not that I've felt the need but as yet we've not wildcamped abroad, which is where the extra security might give comfort.
     
  6. Robert Clark

    Robert Clark Funster Life Member

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    Maybe you need to talk to another insurance company?
    NFU don't ask for an alarm or immobiliser.
    They insure high value vans too.
    Good luck with the new van
     
  7. GWAYGWAY

    GWAYGWAY Funster

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    The dealer can register the vehicle but only in their name and not mine which makes me a second owner. The insurers have said they will put it down on the VIN number unless the dealer gives me a number from the block they have from DVLC, that will sort it but I will not be covered for the theft side until we have the fitting of the alarm done. I have arranged the Tracker it is cheap enought but I had to take the subscription on the life cover to make it cheaper or it becomes a bit dear every year. Never mind I hope it all sorts out as I am really going grey-grey.
    NFU are a really good broker and my burglary last month was a really sorted experience, they want £610 which is a bit more than the others so I will probably go to them for it.
    No problems with my other home claim at all It would be the same with the van so worth the extra bit..
     
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  8. NickNic

    NickNic Funster Life Member

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    I'm really sorry but unless the regulations have changed in the last few months that's utter big round hairy things.
     
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  9. StitchesnFluff

    StitchesnFluff Funster

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    Which dealer?
     
  10. dabhand

    dabhand Funster Life Member

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    Safeguard started off wanting all that with me, they are often just quoting what's in front of of them. Because my factory fitted (Hymer in Germany) alarm and immobiliser was not Thatcham approved as it was not uk fitted they started off saying they couldn't accept it. When I pointed out that it was a perfectly good alarm and immobiliser and with no disrespect, just as good as any fitted in this country, and when I also asked if they would accept a cat 6 tracker (5 is highest) which is still monitored by a tracking company (£300 for 5 years) They actually said they didn't need both, and would be happy to accept the tracker I had suggested. Give them a ring you have nothing to lose.
     
  11. dabhand

    dabhand Funster Life Member

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    They also insured on the chassis number and gave me two weeks to get a registration (it was imported)
     
  12. Padraigpost

    Padraigpost Funster

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    My last 3 vans from Marquis, they have given me a choice of registration numbers a few weeks before delivery, I have given this number to Safeguard who will insure them and send a cover note to the dealer for them to tax the vehicle, they have also always given me one month after registration to have the alarm fitted, I have always had a Strikeback from vanbitz, also Safeguard have never wanted a tracker fitted as well as the alarm and this was for a £65,000 plus van
     
  13. Lenny HB

    Lenny HB Funster

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    I'm surprised at Comfort in the past they have given me 30 days to get an alarm fitted, also I thought Comfort's limit for a tracker was 75k, I thought you were getting a Hymer ML which I would have thought would be under that.

    As for registration most dealers normally have numbers allocated to them by DVLA and they ask you which number you would prefer, I take it your dealer does not do this. One way around it but it would depend on how quick DVLA respond would be to buy a private plate, cheap ones only £250
     
  14. Spidey

    Spidey Funster

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    We are picking up our van in June. When we put the deposit down we picked a reg number and that was that. Did get a request from caravan guard for a tracker but did not need an alarm. Thought i would rather for safety have an alarm. Tracker really only protects the insurance company if it is stolen. Phoned NFU lovely conversation and very reasonable. Also no problems waiting for alarm and leaving it at vanbitz for a week was fine. Think i am going with NFU :)
     
  15. denisejoe

    denisejoe Funster

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    Your dealer should have a number of reg numbers which he can give out once the van is in his pocession as he needs chassis number and other details to register it to you
     
  16. NickNic

    NickNic Funster Life Member

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    @GWAYGWAY

    I've had a few spare minutes so I've had a look at this. Unless your dealer is based in Northern Ireland he is talking rubbish. That is the only place in the UK where insurance is required to register a vehicle. Everywhere else a dealer can register the vehicle on your behalf. The V5 will be in your name and you will show as the only owner. You do not need to provide anything to the dealer apart from the name you want the vehicle registered in and the address that you want it to be registered at.

    I really would expect any dealer to know this so I really can't understand why yours is telling you otherwise.

    https://www.gov.uk/vehicle-registration/overview
     
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  17. Reevsie

    Reevsie Funster

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    I always thought you needed insurance to get the road tax, or VED whatever you want to call it.
     
  18. NickNic

    NickNic Funster Life Member

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    You always did and in theory still do.

    That's nothing to do with the first registration of the vehicle though.
     
  19. Derbyshire wanderer

    Derbyshire wanderer Funster Life Member

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    If I understand this correctly, the dealer will be sending someone to register the vehicle and tax it at the same time. The only reason they insist on the insurance is because they have no idea what registration mark would be available to them before going and they do not want to do the visit twice as the insurance is required for the tax.
    When we bought ours, we were offered a choice of three different registrations (although they were almost the same as they were consecutive) as they had them pre allocated to the dealer.
    I would ask them to either register it in your name and then get it insured so the tax can be arranged or get them to get an available registration from DVLA or whatever they call themselves now.
     
  20. Hyacinth 1

    Hyacinth 1 Funster Life Member

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    You don't need insurance to tax and register the van, I'm getting my van from the same dealer as you and they'd registered it from the 1st of May, when I rang up for the vin number so I could insure it he also gave me my reg number, I didn't get to choose this one as they had already done it. You will have to sign the registration form a few days before collection which is what I did last Saturday, you can do it by scanning it and emailing it back.

    I needed the alarm and tracker on before I left the dealers because of the value was over 80K otherwise they would have given me 28 days to get it sorted. Also I think our post code does affect it too.

    Liz
     
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