Motor Insurance

Discussion in 'Motorhome Chat' started by GEOMAR, Apr 23, 2015.

?

What do you think?

Poll closed Jun 11, 2015.
  1. 10

    100.0%
  2. 10

    60.0%
Multiple votes are allowed.
  1. GEOMAR

    GEOMAR Funster

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    My 2007 Autotrail Miami insured with Comfort annual mileage 4000 owner only driver fully comp. costs £217.30 with max no claims discount, yet my 2011 Smart 4 tw0 same mileage same no claims and only owner driving and yet costs £217. Comfort say this is ok but I don't think this is right to have such a price difference, what do you think?
     
  2. Minxy Girl

    Minxy Girl Funster Life Member

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    I assume you are unhappy that your MH insurance is the same as your Smart car? I'm not quite sure in which way you are unhappy though so take it that you think your older MH should be cheaper? If that's the case unfortunately it doesn't work like that - insurance for a MH takes into account not only the vehicle cost but the repair costs which can be a lot higher than for a car and a MH can have othe rissues which a car wouldn't, like damp/water ingress, theft of items (more value than in a car).
     
  3. DanielFord

    DanielFord Funster

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    Yes, have to admit, I am confused as to what the question is. Are you upset that your MH insurance is too low, or the smarty is too high?
     
  4. GEOMAR

    GEOMAR Funster

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    I think my smart is too expensive
     
  5. Techno

    Techno Funster Life Member

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    Both too cheap
     
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  6. DanielFord

    DanielFord Funster

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    I'm really sorry but insurance works on the numbers game. A smart car is much more likely to be involved in an accident, therefore the policy reflects this. It may be that your MH cost ten times what you paid for the smart, but the smart is ten times more likely to require a claim. Both your premiums seem reasonable to me.
     
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  7. John Laidler

    John Laidler Funster

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    Can't understand the poll - but I vote for ten.

    On a more serious note it is all down to risk and I suspect that Smart cars run into other cars more often than eight year old MHs doing minimal mileage a year. The problem isn't the value of the insured vehicle but the claims from third parties. Run into something expensive, crack a few necks and the claim could be tens of thousands. Many times the value of the insured vehicle.

    And as an after thought I've seen two Smarts burning themselves to cinders on the side of the road in the last 18 months. No one else involved, just spontaneous combustion.
     
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  8. GEOMAR

    GEOMAR Funster

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    thanks to all funsters
     
  9. ianhyslop

    ianhyslop Funster

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    Could it be that your from Aberdeen and your , to put it tactfully , you like to look after the pennies .
     
  10. Linda and Steph

    Linda and Steph Funster

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    I voted for 10 and 10 because they're both at fault ;)
     
  11. Techno

    Techno Funster Life Member

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    My car costs near £400 against my MH £348 with european wide breakdown&recovery. You've been around long enough to know motorhomes are cheaper to insure than cars so I don't sympathise with your grievance. You got two very good premiums
     
  12. Minxy Girl

    Minxy Girl Funster Life Member

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    Bit 'tetchy' Andy ... you been at the sherry tonight? :D
     
  13. Techno

    Techno Funster Life Member

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    Sorry if that's how it looks no intention to offend I just say it how I see it. I tend not to go for sugar coating :p
     
  14. GEOMAR

    GEOMAR Funster

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    Thanks Andy I am growing more stupid with age
     
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