Insurance

Discussion in 'Motorhome Chat' started by rronyag, Mar 3, 2012.

  1. rronyag

    rronyag Read Only Funster

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    Just had a £437 quote from Saga for fully comp insurance for our new on order Swift Bolero 722fb, does anyone have any idea for more competitively priced insurance from other insurers.
     
  2. TheBig1

    TheBig1 Funster Life Member

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    If your a member of the caravan club or camping & caravanning club you get a discount from many insurers. Safe guard have always been competitive for us over the years and include AA breakdown cover in the cost which will recover even larger vans. Be aware that if you just get aa or rac cover directly they have a weight and size limit of vans they will recover. Either add it using insurance or via the clubs to ensure your covered
     
  3. darklord

    darklord Read Only Funster

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    Be carefull with SAGA. Not saying they are bad, but their telephone staff are as thick as two short planks,and whats worse, do not listen.

    ME; just checking, as I was phoning loads of ins companies,..have you got my MH recorded as CAT D?

    HER; It wont matter sir

    ME It will, the underwriters need to knwo

    HER No sir, its quite all right, I dont need to do anything else

    ME At the risk of being rude, you dont know what you are talking about, now get soem advice from someone.

    SHORT PAUSE

    HER Ive spoken to my manager sir, its all OK

    ME OK, send me an email now, saying that the policy covers my vehicle as a CAT D insurance write off

    HER WHAT........A WRITE OFF,.......ERM......ERM.....ERRRRRRRR

    ME, Now i have your attention,...contact your underwriters NOW, give them the details, and ask for guidance for me.

    ANOTHER SHORT PAUSE


    HER Sir I am so so so so so sorry...blah blah blah blah

    ME Next time, listen to your customer, they probably know more than you do, and remember, they are trying to insure something that probably cost them their life savings, get it right!

    HER Here is what the underwriters want sir,..........sorry sorry grovel grovel.


    Call centres are call centresno matter what they are dealing with, and they are people just working froma script, assume they know NOTHING, and you wont go far wrong.
     
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  4. rronyag

    rronyag Read Only Funster

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    Thanks folks, advice taken on board. Will continue hunt on Monday,i'll keep you updated as to how I get on.
     
  5. TheDogMan

    TheDogMan Funster

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    Comfort

    I used comfort including contents, breakdown and europe for a 5.2 t gross £345 with up to 10k miles per annum, could not believe it after paying over £100 more for a caravan worth 75% less £'s:thumb:

    Dave
     
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  6. pappajohn

    pappajohn Funster Life Member

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    four companies you could try....

    Safeguard

    Frank Pickles

    Adrian Flux

    Sureterm direct

    these seem the most popular ones.

    check included breakdown cover limitations, if its included, as most insurers have a 3500kg limit but wont tell you if you don't ask and you could save some money on the premium, your van appears to be 4250kg so wont be covered for recovery.

    check windscreen replacement cost limit.... I don't know the cost of one for your van but many companies limit cost to £1000 per claim.
     
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  7. DP_JAY

    DP_JAY Funster Life Member

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    Been with "Lifesure" for a while now(£235Fully comp), did the the full roundup this time & they were only beaten by Stavely Head, but decided to stick with them as the excesses are lower & I can't be bothered with the hassle for £20. Got a few mates who found Lifesure are the best so give them a try.
     
  8. jhorsf

    jhorsf Read Only Funster

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  9. Geordie and the Dragon

    Geordie and the Dragon Funster

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    Check out CaravanGuard
     
  10. spongy

    spongy Read Only Funster

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    two words

    TWO DEAR

    I use comfort for my Rapido £374 including European & UK breakdown cover. I could probably get it cheaper by shopping around but I find Comfort service quite good.

    spongy
     
  11. Viennese

    Viennese Funster

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    I cancelled Saga

    a year ago because it was too expensive, and moved to Safeguard. Since then I regularly get letters from Saga advertising their motorhome insurance - sometimes more than o0ne a month. Guess why they are so expensive....
     
  12. wizzer59

    wizzer59 Funster

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    As someone has already hinted on, don't forget, most motorhomes do very low mileges and that can have quite an impact on your insurance quotes, so try to calculate how many you are going to do. I put down 5000 but have not got anywhere near that yet:RollEyes::thumb:

    Ps I insured mine through Asda Financial services:thumb:
     
    Last edited: Mar 4, 2012
  13. stagman

    stagman Deleted User

    Try RH specialist Insurance Division 01277 206911 no fancy websites just a good policy at a reasonable price :thumb:
     
  14. JockandRita

    JockandRita Funster Life Member

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    We've been with them in the past, and were quite happy, after their top management got involved with a claim. They are a part of the Equity Red Star Group.

    Cheers,

    Jock.
     
  15. rronyag

    rronyag Read Only Funster

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    thanks to all for some sound advice
     
  16. MONSI

    MONSI Read Only Funster

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    Talking of insurance our renewal is due I have called comfort / safeguard and few more, the cheapest is £790 + 600 access :Eeek: what is going on with insurance company's prices
     
  17. Cyclewalkbob

    Cyclewalkbob Funster

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    Try the Caravan Club - if you are a member.

    They do not require an alarm to be fitted, only an imobiliser.

    Many other insurers require an alarm for vans over £50k or replacement value (new for old for two years on new vans) of £50k+
     
  18. MONSI

    MONSI Read Only Funster

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    Hi
    Tried them as we are members no better :Sad: the van has a cat 6 tracker and a cat 1 alarm and immobiliser
     
  19. The wizened of OZ

    The wizened of OZ Funster

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    I wish I had your problems. As a visitor from Australia my insurance for a motorhome starts in the thousands. Looking for a good broker.
     
  20. TheBig1

    TheBig1 Funster Life Member

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    As you have found out, you need a uk address to get insurance easily at a competitive price here. If you have friends with an address here, you could use that and then contact a brokerage such as A Plan or Adrian Flux for a competitive quote
     
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