No insurance without a tracker!!

Discussion in 'Motorhome Insurance General Discussion' started by Teasy2007, Jun 10, 2014.

  1. Teasy2007

    Teasy2007 Funster

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    Hi, I have just tried to transfer the insurance from our old van to the new one and been told that if the Motorhome is worth more than £50,000 they will not insure it without a fitted tracker and GPS contract.

    We are insured with the Camping and Caravan Club and wondered if this was normal practice or are there companies who will insure without a tracker.

    The only other alternative is to find out if there is a cheaper one than the dealer is quoting - £750 including 3 years contract.

    Any help and advice appreciated.

    Ginny and Mike
     
  2. Kevinthecat

    Kevinthecat Funster

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    Why not try Frank Pickles, very helpful company.
    A tracker wasn't a stipulation for my insurance , good luck.
     
  3. Snowbird

    Snowbird Funster Life Member

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    I had a similar problem last week. My insurers told me I would have to have a Thatcham cat 2 immobiliser fitted costing £200 from one of there recognised fitters. After I paid for this they then wanted another £100 as the vehicle was 24 volt.....It turned out I already had a Thatcham fitted. Its just another way of insurance companies extracting more cash from a cash starved cow, but what can you do....We have to have insurance.
     
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  4. TheBig1

    TheBig1 Funster Life Member

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    there are much cheaper monitored trackers out there. vanbitz do one and you can get a funster discount too

    standard practice for most insurers to insist on a tracker on high value or high risk vehicles
     
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  5. chaser

    chaser Funster

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    Try farmers union, not the cheapest but will usually insure anything, iv got mh two pickups tractors house everything with them:thumb: AND they payout when something goes wrong:BigGrin:
     
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  6. ShiftZZ

    ShiftZZ Funster Life Member

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    When I rang them, their quote was astronomical and went even higher when I said I had solar and a sat..
     
  7. Soozywoozy

    Soozywoozy Funster

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    came across the same issue when we purchased ours.
    eventually insured with safeguard who did not require it, but understandably wanted a decent alarm
    Safeguard incidentally were also the best quote and cover for our needs
     
  8. ourcampersbeentrashed

    ourcampersbeentrashed Funster

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    try safeguard xxxx
     
  9. chaser

    chaser Funster

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    How long ago was that, when we first had ours they were miles out but this year they have changed there attitude to mhs and were not much different than anyone else and you can talk to them face to face, ours this year is£285 no tracker, no nowt
    We went with saga last time but this time Nfu were £100 cheaper
     
    Last edited: Jun 10, 2014
  10. Soozywoozy

    Soozywoozy Funster

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    paid 600 this march - first motorhome so no "no claims" with m/home but clean insurance history for car driving, m/home brand new a class and fully loaded with toys,full european break down cover., 10k mileage limit per year, got the quote with introductory offer when visited nec show.
    I was beginning to despair as other quotes were coming in at 1.5k plus and not old enough for saga (just)
     
  11. jemhorn

    jemhorn Funster

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  12. Forestboy

    Forestboy Funster Life Member

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    Every year I shop around and every year I end up with Safeguard.

    Only thing they insist on is a decent alarm which is fitted as standard on most vans nowadays.

    Likewise I also tried Farmers Union :Eeek: price scared me.

    Shop around
    Good Luck :thumb:
     
  13. mapa

    mapa Read Only Funster

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    I can't understand this fascination with monitored trackers. I used to have a phantom and they were rubbish I regularly drove off without switching it off and they never once contacted me. I've now got a cheap one off eBay fitted it myself and it sends a text to me and the wife every time it moves. It works a treat. I would never have another monitored one
     
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  14. Teasy2007

    Teasy2007 Funster

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    That sounds fine, but would the insurance company recognise it for insurance purposes?
     
  15. TheBig1

    TheBig1 Funster Life Member

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    no the insurance doesnt recognise the self monitored tracker, but it is so feature rich that its much better

    it texts you to tell you the van has been started if you dont switch it off
    you can text it to switch off the engine
    you can track it real time on a smart phone or computer
    you can text it to set off the alarm

    all for just over £30 plus a payg sim card
     
  16. jhorsf

    jhorsf Read Only Funster

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    Try Comfort
     
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  17. Serendipitous

    Serendipitous Funster

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    Is it me!

    MH insurance due shortly so, have run a couple of queries on comparison sites and others like CC & CCC. Some frightening quotes.

    Just tried Frank Pickles as recommended here, waded through all the questions, feeling frustrated by the form filling but eventually get to the bit where your hopefully of a competitive quote.

    NOooooooo please contact us insurance declined as the COSSOA Gold site you store your MH in is more than 100 metres from your home address :Sad:

    Ok I'll save the quote and ring up, NOoooooooo can't save the details.:Doh:
     
  18. andy63

    andy63 Funster

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    im with safeguard , and even though my van is a self build and not the same sort of value you are talking about I have a tracker fitted.
    when I tried to get discount for that they said I couldn't have any .
    I didnt argue about it as I thought their price was reasonable anyway.
    this year my quote was again reasonable and I noticed when they ran through the details before renewal that they had recorded the fact that the vehicle had a tracker, so im not sure now as I assume the quote was with tracker fitted.:Doh:. I mentioned the tyre pal this year and I think they gave me a few pounds off for that as well :BigGrin:

    ta andy
     
  19. mapa

    mapa Read Only Funster

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    Your absolutely right, they won't accept it and that is my gripe. In my opinion its a far superior system because it means that I'm able to take action immediately and not rely on someone in an office who just happens to be on his tea break. The text I receive links directly to a mapping system showing me the MH location which gives me control of the situation rather than relying on someone else.
     
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  20. atlantisbird

    atlantisbird

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    Hi,
    Ginny & Mike,
    We only have a cheap "Bentley" :Wink: we went with Comfort who gave us one of the best prices and cover especially for 365 days abroad for a mere 350 quid and we have been very happy with them.
    Should have gone to [STRIKE]specsavers[/STRIKE] sorry Bentley's.
    Hope you can get fixed up.
    Harry
     
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