Insurance renewal-advice

Discussion in 'Motorhome Insurance General Discussion' started by Jimbohorlicks, Feb 18, 2015.

  1. Jimbohorlicks

    Jimbohorlicks Funster

    Joined:
    Sep 3, 2012
    Messages:
    879
    Likes Received:
    1,127
    Location:
    Cheshire, Treacle Town
    I appreciate this is probably repeated elsewhere but I have just had a reasonable price for renewal with Safeguard
    365 EU/UK cover and UK/EU breakdown by AA or equiv plus unlimited mileage.
    £100k driver legal liability.

    Anyone used Safeguard? -had any issues with the cover-please advise ,good or bad

    Thanks
     
  2. tonka

    tonka Funster Life Member

    Joined:
    Jul 2, 2008
    Messages:
    5,667
    Likes Received:
    7,918
    Location:
    Cannock, Staffs or Benidorm, spain
    Safeguard for 9 years...(y) Had 2 breakdowns and 1 quite big smash,, All sorted never an issue..
    Went with comfort (aviva) for 2 years, only as they offered a little extra for a Morocco trip but no claims.

    Back with Safeguard now. Does everything I want in a policy and as i went back as a new customer got a better price..
    NOTE..... If you call Safeguard and get a quote.. Laugh and tell them they are trying it on, The quoted me £479 !! I laughed and said I only pay £320 now... 30 seconds on hold and it was suddenly £299...
     
    • Like it Like it x 1
  3. Jimbohorlicks

    Jimbohorlicks Funster

    Joined:
    Sep 3, 2012
    Messages:
    879
    Likes Received:
    1,127
    Location:
    Cheshire, Treacle Town
    Thanks Tonka
    The same experience first quote was £475 and then they dropped it when I said that was too high compared to a renewal price -down to £275 -which I thought was pretty good for the extras included-I feel a little more confident with them now thanks to your response
    cheers
     
  4. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    6,875
    Likes Received:
    6,806
    Location:
    West Sussex
    If you are happy with the price and service go for it, or ring round if you get a better price but still want to stay with Safeguard ring them and haggle.
     
  5. tonka

    tonka Funster Life Member

    Joined:
    Jul 2, 2008
    Messages:
    5,667
    Likes Received:
    7,918
    Location:
    Cannock, Staffs or Benidorm, spain
    My "bump"..

    smash 3 comp.jpg smash 5 avtar.jpg
     
    • Like it Like it x 1
  6. pappajohn

    pappajohn Funster Life Member

    Joined:
    Aug 26, 2007
    Messages:
    30,252
    Likes Received:
    17,924
    Location:
    YO11 2BD
    • Like it Like it x 4
  7. Jimbohorlicks

    Jimbohorlicks Funster

    Joined:
    Sep 3, 2012
    Messages:
    879
    Likes Received:
    1,127
    Location:
    Cheshire, Treacle Town
    Oh'er-looks really bad. a straightening up job by the looks of it.:(
     
  8. tonka

    tonka Funster Life Member

    Joined:
    Jul 2, 2008
    Messages:
    5,667
    Likes Received:
    7,918
    Location:
    Cannock, Staffs or Benidorm, spain
    Practice.. It's the only way.. :)

    It was a stolen car that hit it while parked on my driveway. Moved the van sideways by 3 foot and demolished fencing, van was damaged on both sides.. Local repair company, Cannock re-sprays did a good job on fixing it. HOWEVER, took Autotrail almost 6 months to supply the body parts.. Crash was at Easter and had van back in November... Van was 18month old, dealer was trying to get it written off but they opted for a repair..

    Like they say you never know how good the insurance company is until you claim..
     
    • Like it Like it x 2
  9. Dogsense

    Dogsense Funster

    Joined:
    May 5, 2014
    Messages:
    420
    Likes Received:
    112
    Location:
    Leicestershire
    We will need son to renew insurance, now with Comfort.
    Can you please explain the meaning of "365 EU/UK coverand UK/EU breakdown by AA or equiv plus unlimited mileage.
     
  10. Popeye

    Popeye Funster

    Joined:
    Sep 5, 2011
    Messages:
    7,985
    Likes Received:
    18,308
    Location:
    New Forest
    I'm off to the NEC to buy a new MoHo on Friday and whilst I have a fair idea of what I want I needed a feel for the cost of the insurance so I went on line and got some numbers.

    I have just had quotes from three companies. A comparison site plus a phone call to Comfort and finally Safeguard who I've been with for the last three and a half years with my 3.0 litre Geist and no claims.

    The cheapest was the comparison site, but the cover was poor, the dearest were Safeguard at just under £900 and Comfort somewhere in the middle demonstrating a saving of almost £350. How can it be so different?

    One thing I noticed is that Safeguard seem better on C class or Coach-builts as they call them and less keen on A class.

    Safegaurd limit me to £3000 on glass regardless of cost and Comfort are unlimited on glass and the number of glass claims. Comfort also say they will do breakdown cover regardless of size weight or length for £58 per year.
     
  11. landscaper

    landscaper Funster

    Joined:
    Mar 17, 2013
    Messages:
    239
    Likes Received:
    167
    Location:
    Devon
    Been with Safeguard for past four years. Had two breakdowns last year and they sorted out the problems really quickly for us, despite being in isolated areas on both occasions. Reasonable cost £314 and includes European cove - what's not to like?
     
  12. Xabia

    Xabia Funster

    Joined:
    Jan 20, 2011
    Messages:
    793
    Likes Received:
    522
    Location:
    Rural Nottinghamshire and Spain
    It means that you can use the vehicle for the whole year in any part of the EU (which obviously includes the UK) and that you have breakdown cover on the same basis.

    Some insurers limit the amount of days that they will cover you whilst abroad.

    Mike
     
  13. Xabia

    Xabia Funster

    Joined:
    Jan 20, 2011
    Messages:
    793
    Likes Received:
    522
    Location:
    Rural Nottinghamshire and Spain
    Clicked before I had dealt with the mileage issue - this means you can do as many miles as you want in the insurance year. If you limit the mileage the premium will reduce.

    Mike
     
  14. Jimbohorlicks

    Jimbohorlicks Funster

    Joined:
    Sep 3, 2012
    Messages:
    879
    Likes Received:
    1,127
    Location:
    Cheshire, Treacle Town
    Safegaurd advised 365 days uk and EU insurance cover plus both UK and EU breakdown cover by the AA.
    It was £100 excess for windscreen and £300 policy excess
    Plus £100,000 drivers legal protection.
    they sent me a copy of the insurance schedule and it also covers vans over 3500kgs in the EU and lengths over 7m . If you pm me your e mail address I will forward you the copy of the policy.
     
  15. StefAndDi

    StefAndDi Read Only Funster

    Joined:
    Nov 3, 2014
    Messages:
    414
    Likes Received:
    941
    Location:
    Near St. Austell, Cornwall
    I'm surprised at your Safeguard quote, Popeye. They are insuring my Hymer Starline 'S' for less than £550.

    That's unlimited mileage, full U.K. and European cover with no weight or length restrictions, and protected No Claims Discount.

    You could do worse than visit their stand at the NEC. When we went to the Motorhome and Caravan Show at the NEC in October their representative, Mike, gave me a written 'show special' quote which he said was guaranteed. But it wasn't. Now it's time to get my new MH that quoted price has actually dropped!

    I hope you have a great time at the show on Friday and come away with just what you want.

    Stef.
     
  16. bazzybabes

    bazzybabes Read Only Funster

    Joined:
    Feb 5, 2015
    Messages:
    9
    Likes Received:
    2
    Location:
    Lancs/Yorks border
    Just had a quote from Safeguard: £632.69.

    When I said it was too dear, they asked what I had been quoted. I told her £405.

    Ten seconds later, came back with £376 with same benefits (same as Jimbohorlicks's) plus unlimited mileage and unlimited time abroad.
     
  17. Jimbohorlicks

    Jimbohorlicks Funster

    Joined:
    Sep 3, 2012
    Messages:
    879
    Likes Received:
    1,127
    Location:
    Cheshire, Treacle Town
    you should have said £300-I actually advised £250 with the ccc but then there is the ccc joining fee which takes it to £290.
    The CCC insurance was UK breakdown only and 90 daysEU insurance cover a year and restricted mileage
     
    • Like it Like it x 1
  18. Jeannette van den Oever

    Jeannette van den Oever Read Only Funster

    Joined:
    Oct 25, 2014
    Messages:
    160
    Likes Received:
    193
    Location:
    Cambridge
    We've had a couple of quotes from Caravan guard. Around £650 for normal insurance, £2300 for new for old cover, limited mileage.
    Will need to try a few more before the end of March.
     
  19. enjohn49

    enjohn49

    Joined:
    Feb 15, 2015
    Messages:
    28
    Likes Received:
    9
    Location:
    Northamptonshire
    I've been with Comfort for about 8 years now and have been totally awed with the terrific service I have received. I have had 2 or 3 claims, including a storm damaged sun awning and Safari Room in Spain. Both were damaged beyond repair, although the sun awning was still usable. They sent out Spanish Assessor within 2 days and it was agreed that I could order another awning as we were away for 3 months. The other occasion they were outstanding was on one of our trips down to Spain, when broke down 8 times on the journey down! By the time we got it all sorted by a garage in Spain, we were nervous wrecks. Comfort, via the RAC supported us all the way. The RAC phoned us every day to check on our progress, making the difference between us continuing to our destination rather than returning home! Sorry it's a long winded reply (although this is the abridged version!) but I cannot speak highly enough about Comfort.
     
    • Like it Like it x 5
  20. Welsh girl

    Welsh girl Funster Life Member

    Joined:
    Nov 7, 2009
    Messages:
    2,794
    Likes Received:
    1,361
    Location:
    living the dream.
    We have full timing insurance with comfort, costing £750 thankfully haven't claimed so far but glad to hear the positive things about them.
    That with 365 days eu with breakdown cover.
     
    • Like it Like it x 1
Loading...

Share This Page