insurance rules... (1 Viewer)

Johnros

Free Member
Mar 11, 2015
2
1
Portsmouth
Funster No
35,407
MH
Autosleepers Duetto HiTop
Exp
Since 2010
When I first bought my Autosleepers Duetto, I had a Ford Escort as well that I was teaching my wife to drive in.On the insurance forms it asked if I had another vehicle and I answered yes, of course.
When it came time for renewal, I had sold the car as 'er indoors had bought her own one after passing her test.
I got to the same question on the renewal form and told them I no longer had a second vehicle and that my camper was now my main vehicle.
I got a callback quite quickly telling me that campervan insurance with the company I had insured with was based on owners having a car as well and using the 'van as a secondary vehicle. The broker spent the best part of an afternoon trying different companies before he could find one to take me on their books.
As campervans are so suited to everyday use, why the hassle in insuring them for this? The original company were quite happy to quote me an inflated policy for extra annual mileage at 10000 miles a year but how they thought I would do this while driving a car as well escapes me.
I am now with a company that gives me the insurance I want without massive loading and includes breakdown recovery insurance for UK and Europe for £85 extra per year.

On another note, we now have a motorhome as well as the camper. Does anybody know of a MH version of multicar insurance?
 

Bailey58

LIFE MEMBER
Jun 23, 2010
8,784
29,119
Norfolk and Toftir.
Funster No
12,267
MH
Sold
Exp
July 2010 (ex tugger)
Welcome to Fun!

I was going to say "most" but will change it to "many" companies will offer to mirror your NCD on the first vehicle, usually a car, when insuring a second. AIB who are members of Fun cover three vehicles for me and mirrored my NCD when I bought the motorhome and gave me a nominal 10% discount I seem to remember on a third vehicle. Worth giving them a call. Here.
 

jnn

Free Member
Oct 22, 2016
250
684
cheshire
Funster No
45,720
MH
van conversion trafic
Exp
nooby
Can't recall who the policy is actually with but one of the Camping and Caravanning club insurers will cover if it's the only vehicle. They (the ccc) were great with me and my slightly odd insurance history and not being able to ring them

Subscribers  do not see these advertisements

 

GJH

LIFE MEMBER
Aug 20, 2007
29,450
38,828
Acklam, Teesside, originally Glossop
Funster No
127
MH
None, now sold
Exp
2006 to 2022
We suddenly came across this problem when our insurance with Highway LV (through Frank Pickles) came up for renewal because the van is in Jill's name and the car is in my name. Previously the question of second vehicle hadn't arisen. We went to Comfort and had no problem.
 

MikeD

Free Member
Dec 21, 2011
3,936
3,697
London
Funster No
19,230
MH
IH PVC
Exp
Since 2012
It might be because they have a clause in their policy of keeping you mobile in event of a claim.

If you have a second car - they can meet that part of their contract at no cost.

If they have to supply a like vehicle.

Motorhomes cost lots to hire.

We once got punted off our motorbike just before a european tour. Our bike insurance provided for another vehicle to keep us mobile.
Small print allowed them to escape this clause as we had a family car. They were quite happy for us to join a bike trip in a car for our european tour.

Not what I insured for but I had not read the small print. (n)(n)(n)(n)
 

jnn

Free Member
Oct 22, 2016
250
684
cheshire
Funster No
45,720
MH
van conversion trafic
Exp
nooby
when I was asked it wasn't do you have a second car but do you have access to a second car, our strategy if we hadn't resolved it was going to be to add me to my friend's insurance, reciprocally as he's on the van too.

Subscribers  do not see these advertisements

 

Join us or log in to post a reply.

To join in you must be a member of MotorhomeFun

Join MotorhomeFun

Join us, it quick and easy!

Log in

Already a member? Log in here.

Latest journal entries

Funsters who are viewing this thread

Back
Top