Motorhome insurance checklist

Discussion in 'Motorhome Insurance General Discussion' started by Geordies, Apr 5, 2014.

  1. Geordies

    Geordies Funster

    Joined:
    May 29, 2013
    Messages:
    936
    Likes Received:
    2,129
    Location:
    Tyneside
    Just been given the chassis number of our new Motorhome to enable us to purchase insurance.

    Before starting to phone round insurance companies just wondered what tips people might have which are useful in getting all the things you need on a policy at the best price.

    For instance on things to have, is it best to have breakdown cover with the insurance ? Do they all give a green card ?

    What things are worth mentioning to reduce premiums, ie, it's on a drive behind locked gates with a camera on it ?


    Ta, Martin
     
    Last edited: Apr 5, 2014
  2. Jim

    Jim Ringleader

    Joined:
    Jul 19, 2007
    Messages:
    25,845
    Likes Received:
    76,162
    Location:
    Sutton on Sea
    I've not seen one, but what a good Idea, lets make one. So what should be on it? when complete I'll turn it into a check list and place it in the downloads section:thumb:

    So what questions should we be asking.. Let's have some ideas.. I'll start,

    What personal effects are covered/amounts ect
    Is a trailer covered? Contents?
    How many nights on the continent?
    Does the policy include Emergency expense cover
    Glass Coverage (windscreen)
    Is my Awning covered
    Breakdown assistance
     
    • Like Like x 1
  3. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,501
    Likes Received:
    3,857
    Location:
    Nr Jct 3 M6
    Do the folk in their claims department have the vaguest concept of what a MoHo is?

    I only suggest this one because after an attempted break-in to our first van, the gurlie in the claims dept at a previous insurer was most insistent that we got the same people to replace the damaged glass in the cab passenger door AND the habitation door and frame.

    :Rofl1:

    This was after their own Claims Inspector had inspected it and OK'd it !
     
    • Like Like x 1
  4. TheBig1

    TheBig1 Funster Life Member

    Joined:
    Nov 27, 2011
    Messages:
    7,219
    Likes Received:
    9,600
    Location:
    Dorset
    do you have mirrored no claims discount matching your other vehicle or does the van have its own separate no claims discount with an introductory offer?

    is there legal cover included, and what is covered?

    IS THERE AN AGREED VALUE? very important
     
    • Like Like x 2
  5. TheTwoOfUs

    TheTwoOfUs Funster

    Joined:
    Jul 24, 2009
    Messages:
    2,562
    Likes Received:
    7,002
    Location:
    South Yorkshire
    Is your satellite dish and TV covered?
    Is the Sat Nav covered?
     
    • Like Like x 1
  6. sedge

    sedge Funster

    Joined:
    Jul 7, 2009
    Messages:
    4,501
    Likes Received:
    3,857
    Location:
    Nr Jct 3 M6
    Well it's only important if it's an older van that's too old to be in the MoHo version of Glass's Guide (or whichever book it is they use to approximate values for Part Exchange.) or you have made modifications to it that change the 'book' value.

    Or did you mean the thing they do when vehicles are new, where they pay for a straight replacement if it's a total loss within so long?
     
    • Like Like x 1
  7. tjay

    tjay Funster

    Joined:
    Aug 7, 2007
    Messages:
    320
    Likes Received:
    258
    Location:
    Dundee
    insurance

    If you tell them all about your "MOTORHOME" not a bloody moho !! whats been fitted inside and outside then they will tell you !!
    Most insurance companies offer extra's a at much reduced cost, though be carefull to tell the truth re costs or they will not cover.
    Ditto re long stay's some offer 60 days other offer 90 days but at extra cost !!
    Ditto for over 90 days !! :Smile:
     
    • Like Like x 1
  8. grasscutter

    grasscutter Funster Life Member

    Joined:
    Oct 11, 2009
    Messages:
    1,358
    Likes Received:
    2,241
    Location:
    East Wittering. West Sussex.
    Something I picked up on which may be worth taking into account .
    My wife drives but will not drive the motorhome. However I have always included her on the policy just in case. It then occurred to us that if something happened to me on our foreign travels she would be deemed as a driver to bring the motorhome home. Others may know more about such circumstances.
     
    • Like Like x 4
  9. Wildge

    Wildge Funster

    Joined:
    Jul 24, 2013
    Messages:
    1,130
    Likes Received:
    1,430
    Location:
    Derbyshire
    #

    :Smile: What category immobiliser and the difference. (courtesy of Dave Newell)
    and also how much voluntary excess you are willing to pay.
     
  10. WynandJean

    WynandJean Funster

    Joined:
    Mar 23, 2010
    Messages:
    2,376
    Likes Received:
    1,333
    Location:
    West Midlands
    Jean had me take her name off for the same reason.

    Wyn
     
Loading...

Share This Page