Motorhome Insurance help!!!!!

Discussion in 'Motorhome Chat' started by Livelife, Nov 25, 2012.

  1. Livelife

    Livelife Read Only Funster

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    Hi All,

    Does anyone know of an Insurance company that in the event of an accident covers you for a replacement Motorhome courtesy vehicle i can only find ones what give you a car, which is pointless when you have all your belongings and three dogs!!! Also need to find a breakdown company that offers a replacement Motorhome in UK and EU if it cant be repaired.

    Hope to hear from anyone ASAP.

    Thanks

    Amanda :Smile:
     
  2. TheBig1

    TheBig1 Funster Life Member

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    from experience, there is no such company in the uk that offer courtesy motorhomes. Another stumbling block is very few hire companies allow dogs in their motorhomes.
     
  3. tonka

    tonka Funster Life Member

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    I think you will struggle there.!!

    Especially on the breakdown, surely no breakdown company will give you a van just because yours has broken down !! Tow you in and help get it fixed is what you pay for..

    We had our van badly smashed and as the repairers could not get an answer when body panels would be available. Safeguard our insurers said they would have looked at obtaining a hire van for us and claim off the other party.. HOWEVER we were hit by a stolen car so no one to claim against, we were without the van for 8 months... !!


    Good luck but I think your on "the road to nowwhere". :Doh:
     
  4. scotjimland

    scotjimland Funster Life Member

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    Hi Amanda

    reading between the lines it sounds as though you may be living in your van full time. ? If so do you have that covered in your present policy ?

    It is highly unlikely that you will find any insurer who will provide a courtesy motorhome.. certainly not on a standard policy .. it would need to be a special quote.. but it may be worth talking to Comfort Insurance who are motorhome insurance specialists .. worth a chat .. you never know, but if offered, I imagine the premium would be eye watering ..

    They are the only insurance company I know of who provide full time insurance.. so may be able to offer something.. but don't hold your breath .. good luck
     
  5. wiljoy

    wiljoy Funster

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    Good question Amanda, negative answers only though.
    I have never heard of a replacement motorhome service from insurance companies. They are far to busy trying to dismiss your claims rather than give service. It appears the logistics of such a service would be impossible as different people have many variations in there demands. Over the last 28 years I have used most insurers and never been offered the option of a replacement motorhome but according to a friend in the trade it can be implimented. You would need to arrange another policy to allow motorhome hire but at roughly £600 to £1000 per week for hire don't expect a cheap policy.
    Good luck with your hunt for an insurer to cover your needs.
    Wilf
     
  6. rainbow chasers

    rainbow chasers Read Only Funster

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    Look at all your insurance policies carefully. Some breakdown companies will cover a hotel accomodation during the time it takes to repair your vehicle, though this would only be minor repairs. They will then repatriate you.

    Travel Insurance can cover you for alternative accomodation - that would more than likely cover you for a more comfortable hotel room for you intended stay, and repatriation. It may also cover you for a hire vehicle, I would check you polices, give them a ring and ask, if they do - get it in writing!
     
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