Insurance reccomendations (RV)

Discussion in 'Motorhome Chat' started by Bryan, Oct 20, 2008.

  1. Bryan

    Bryan Read Only Funster

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    Hi,


    Who would you recommend for insurance for an American RV?

    It must be fully comprehensive, cover ALL windows (especially windscreen) and I also want full UK breakdown recovery (either included with insurance or seperately).


    In the past I have always used Budget Insurance (now part of Norwich union) and am interested to hear who others use...


    Thanks :BigGrin:

    Bryan
     
  2. moandick

    moandick Read Only Funster

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    Hi Bryan

    I am trying to put together a precis on RV insurance for the common use of all RV'ers.

    I use the NFU but they do not have an inclusive breakdown scheme so I am also a member of the Caravan Club with their Green Flag Membership. (MayDay)

    Others use the Caravan and Camping Club with their RAC Specialist Recovery policy - which I have had very good reports of.

    My list of RV Insurers is <here> and I am currently trying to get all of them to tell me what they actually DO insure and cover breakdown-wise but it is very difficult to extract information from any of them!

    I would love to have a copy of any of your correspondence for my 'Precis' if you would let me.
     
  3. Bryan

    Bryan Read Only Funster

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    I'm a member of the C&CC, is the recovery service an extra? How much? What levels of recovery do the offer? (Roadside assitance? Recovery to home or site? Home start?)

    Thanks
     
  4. Groundhog

    Groundhog Read Only Funster

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  5. zaskar

    zaskar Funster

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    [For the 10 years we owned RV's, we were always with Safeguard.
    Breakdown (Europe wide) , windscreen and 2k contents included.
    We NEVER managed to beat thier renewals and both times we had to use the services (a breakdown in France) and an accident in Yorkshire, the service was A1, very quick and courteous with no messing about.
    I might also add that was told by a senior member of thier organisation some months ago that they are WELL aware of the fulltiming issue and have, for quite sometime, been trying to get an underwriter to understand/accept the lifestyle and produce a workable policy FOR FULLTIMERS IN AMERICAN RV'S, unfortunately, so far, with no luck.
     
  6. moandick

    moandick Read Only Funster

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    The C&CC is with the RAC Arrivals Scheme - yes it does cost extra but they are very prepared to low-load a broken RV rather than send a normal small breakdown truck prepared to tow a ten-ton RV!

    Lots of details on the RV forum.
     
  7. Pammy

    Pammy Read Only Funster

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    Hi Bryan

    We used Safeguard this year because we needed the green card for Morocco. They also do the full breakdown thing as well.

    Last year we used R J Specialists who were very good, much cheaper on price as well but they do not do the green card.

    Give Geo a ring, he may have more info anyway.

    See you soon

    Pammy
     
  8. Geo

    Geo Trader - Funster

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    Hi Brains looking to insure an RV:Wink: have you something to tell us???
    Pammy was nearly right last year we were with RH specialist insurance not RJ :Doh:
    They do not do recovery over 3.5 ton:Doh:
    For that we used the CCC Arrival scheme they do do any length and weight
    make doubly sure re windscreen cover as there are limits to claims on some,
    whilst your at it can you clarify weather a RV has one or two screens, it matters a great deal if you have say a £2000 max on any one claim, because a full screen is circa £4500:Eeek: and you may argue that the 2K limit per claim is ok if they allow two claims at once, ie two screens or one that is the question
    Geo
     
  9. American Dream

    American Dream Read Only Funster

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    Where's the CAT gone Bryan?:Eeek:

    If your engine ain't a [​IMG] then it's just plain LOW-TECH!

    We use RH insurance and RAC Arrival.

    They've been good so far.
     
    Last edited: Oct 20, 2008
  10. Geo

    Geo Trader - Funster

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    He had it put to sleep:cry:
     
  11. dazzer

    dazzer Read Only Funster

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    We Use NFU Tel 01227 451088 and the C&CC with their RAC backed breakdown cover with no length, height or weight restrictions. :thumb:
     
  12. Bryan

    Bryan Read Only Funster

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    Update

    Thanks for all the pointers :BigGrin:

    At the moment, looking like Sureterm Insurance are going to win my business, beating Safeguard, Comfort, RH Classic and Adrian Flux...

    Only NFU left and they are on answer phone :Doh:

    Bryan
     
  13. Geo

    Geo Trader - Funster

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    Well done so far Bryan, Knowing you as I do they must be paying you:Rofl1::Rofl1::Rofl1:
    Geo
     
  14. Tony Santara

    Tony Santara Funster

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    Hi Bryan
    Did you ask for Cash Back :Laughing::Laughing:

    I'm happy with Safegaurd at moment :thumb:
     
  15. ruffingitsmoothly

    ruffingitsmoothly Read Only Funster

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    We use NFU and RAC insurances like a few of the others do:thumb::thumb:


    Personally I would rather push a [​IMG] Than drive a [​IMG]:Rofl1::Rofl1::Rofl1:

    [​IMG] Now ready for some flack:Rofl1::Rofl1::Rofl1:

    Regards Pat
     
  16. Braunston

    Braunston Read Only Funster

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    Hi, Pammy

    Just out of interest did Safeguard provide breakdown cover for Morocco as well as the green card

    Thanks
    Braunston


     
  17. Bryan

    Bryan Read Only Funster

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    UPDATE:

    Well we did go with Sureterm (Equity Red Star policy) initially...


    BUT!

    When we go the paperwork there was a clause that I was concerned about. It said that Windscreen cover was limited to £1000 'Where applicable'

    So I rang to see if my policy was 'applicable' and it was. I explained that a limit of £1000 on RV glass makes the policy unattractive and they said they couldn't change it.

    So, policy cancelled and I have now gone with NFU who say that there is no glass cover limit ("what it costs to replace, we cover").

    Awaiting refund from Sureterm - taken over three weeks so far.

    The restricted glass cover was not explained to me at time of quote so I am expecting a full refund as the policy was not suitable for my needs. We'll see what they come up with.

    So, NFU wins this year based on comprehensive glass cover and the second cheapest quote.
     
  18. Geo

    Geo Trader - Funster

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    Hi ya
    Unfortunately there is no cover of any kind for Morocco, the Moroccans will not allow any third party recovery or breakdown services into their country you have to pay for a local company to do that or pay them to take you over the border back into Spain where normal service is resumed
    Hence the benefit of Desert Detours, the breakdown service follows you all over Morocco and sometimes shows you the way too:thumb::thumb::thumb:

    The green card is only proof that an insurance policy is in place that is acceptable to the Moroccan authorities, No green card, no cover,and the last I heard border cover was difficult to obtain

    I included that last bit for the benefit of any new folk reading this post not familiar with the green card system
    Geo
     
  19. Road Runner

    Road Runner Read Only Funster

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    I am with Sureteam at present and have glass claim pending
     
    Last edited: Dec 3, 2008
  20. Braunston

    Braunston Read Only Funster

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    Hi, Geo

    Thanks for the reply as I was wondering if Safeguard would extend their breakdown cover along with the green card as that would have saved me having to take out separate breakdown cover.

    I believe that ADAC the German company provide full breakdown cover for Morocco and most other countries that surround the mediterranean, or at least that is what I have been given to understand.

    Thanks



     
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