Motorhome Insurance

Discussion in 'The Beginner' started by Molharpen, Jun 7, 2016.

  1. Molharpen

    Molharpen Read Only Funster

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    Hello
    My wife & I have taken the plunge and bought ourselves a lovely van conversion which is at the moment being prepared for us to pick up at the end of this month. as MH newbies we were wondering what companies would provide the best insurance cover for us, any suggestions welcome please?

    Many thanks
     
  2. pyro

    pyro Funster

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    Welcome both to the world of motorhome/campers and to this forum

    To be honest, we just saw an ad for comfort, who are a specialist broker. They were brilliant, good cost and allowed for extended touring plus extended full replacement cover. Cost less to insure a 6M Chausson than the wife's Seat

    http://www.comfort-insurance.co.uk/
     
  3. Molharpen

    Molharpen Read Only Funster

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    Thanks for the quick reply i will check them out.
     
  4. pyro

    pyro Funster

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    Good luck and congratulations on your new van. Hope to see you around the forums
     
  5. Bobby22

    Bobby22 Funster

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  6. Nigel L

    Nigel L Funster

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    Another newbie here, just literally insured ours. Had a list of all the usual suspects, but tried my car insurer first, and they beat the lot. We went with LV, it is worth getting a quote from them.
    Congratulations on your new purchase, we are off on our first MH trip tomorrow, so now counting the hours!
     
  7. Jagtazman

    Jagtazman Funster

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    Newbie here also got a quote recently from online comparison sites, AIB, Caravan Guard, Safeguard and Comfort. ATM its between Caravan Guard and Comfort both circ £100 cheaper than anyone else both with full EU cover and breakdown. Leaning towards Comfort atm as believe a better policy. We pick up our MH in a few weeks so time to sort out.
     
  8. Molharpen

    Molharpen Read Only Funster

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    Thanks everyone, plenty for us to look at now. I think we are going to enjoy this :)
     
  9. Xabia

    Xabia Funster

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    Been with Comfort for years and I am a retired commercial insurance broker - I think that says it all!
     
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  10. Speve

    Speve Funster

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    We have been with Safeguard up till now but Comfort gave us a better deal this year by £70
     
  11. Bobby22

    Bobby22 Funster

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    Has LV insured you as a motorhome or just as a chassis. Some car insurers won't insure the habitation side of a vehicle, some won't insure for when in rally fields.
    I tried Privilege as they insure my car but would only insure me to be legally on the road.
     
  12. Jagtazman

    Jagtazman Funster

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    Nice I am a current insurance broker comfort it is then....
     
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  13. pyro

    pyro Funster

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    I am with comfort, and whilst they are good value for money etc I am a little disappointed that they are so rigid with their policies. Why offer 365 days in the EU, and then say you can't leave your van anywhere (not even locked up in an enclosed compound covered by CCTV) unattended for more that 36 hours?

    If you're happy with a boiler plate policy only available to low risk folks like us, then fine. As soon as you need something a bit outside of their parameters, they're useless

    Any idea for alternatives anyone?
     
  14. Jagtazman

    Jagtazman Funster

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    Are you sure? My quote with them is based on my van being given stored at my parents house and not mine. Only a £20 discount if I used a cossa gold site. IMHO mot worth to £400 site fee rather pay for a growler and non starter. Pays for itself in 3 years and give me better security at home and away.
     
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  15. pyro

    pyro Funster

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    Problem is we have two houses, UK and Portugal. They are fine with the vehicle being stored in the UK (as it is at the moment), but limit overseas storage to 36 flaming hours, which means that we can't leave it over there between trips. When I asked their staff if it would be OK if we were there, they responded saying "only if you're using the M/H, you are not covered if you are sleeping in the house" - it is right next to the bedroom window!

    Bloody inflexible. The house is surrounded by 2.5M high brick walls, locked heavy duty gates connected to the alarm panel, covered by 360 degree CCTV, along with visiting security (twice daily, random times). The "bus" has both Thatcham Cat 1 and Cat 2 alarms, gps tracker, fuel cut off, wheel clamp, crooklock and even independent onboard GSM connected CCTV. I get an email picture if a bird lands on the roof and a text alert if the wind rocks the van

    I have been on MOD ordnance sites with far lower security than this. But Comfort tell me that Aviva aren't interested in changing anything, just interested in low risk individuals (which they concede we are) and bog standard policies, so I have to look elsewhere. Didn't make that clear when they took my money, though
     
  16. Bailey58

    Bailey58 Funster Life Member

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    Comfort has always been the popular option on Fun although they may not suit everyone, more recently AIB have taken a lot of members including me but after initially going with the major players like Aviva and LV they have switched to using Markerstudy to underwrite their policies, it did generate a thread recently on some poor online reviews but negative feedback tends to rise to the surface in most areas of opinion. I have three vehicles with AIB but I shall shop around again as they're all due over the next 3 or 4 months. :cautious:
     
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  17. pyro

    pyro Funster

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    Comfort are certainly cheap, but I have a nagging suspicion that Aviva are not really that interested in the more specialist M/H market, and a cynical legal look at their Ts & Cs didn't offer much by way of reassurance. In any case, they are too restrictive for our lifestyle, and I have no option than to bin them and try to recover a pro rata refund.

    It's not just a matter of money, it's a question that my confidence has been lost as a result of their rather flaky response to my questions

    Might try AIB and LV, thanks for the heads up
     
  18. sedge

    sedge Funster

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    Pro- rata refunds are not available on Motor Policies - only a certain proportion of the annual cost is ever recoverable - then it's pro-rata.

    Unless things have changed since I retired!
     
  19. pyro

    pyro Funster

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    Ahh, but I suspect that any pursuit of a claim for mis-selling an insurance policy and a subsequent application to the FOS might well elicit a more sympathetic response. In truth I expect to drop some money on the so called "administration" cost, but I didn't like their attitude or their inflexibility - I dread to think what their claims handling process is like
     
  20. Bailey58

    Bailey58 Funster Life Member

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    Another option is 2getherinsurance who are newish members on Fun. They haven't got off to the best of starts with some though . :rolleyes:
     
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