Renewing motorhome insurance.

Discussion in 'Motorhome Chat' started by Ralph-n-Bev, Nov 17, 2010.

  1. Ralph-n-Bev

    Ralph-n-Bev Funster

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    Our Motorhome insurance is due the middle of December.
    We are presently with caravan-guard , same company that insured us when we had the caravan. £ 288 with European cover both driving which we thought was really good. We arnt bothered about the euro cover now though , as weve decided we prefer to do the 2 weeks at a time holiday , flying there.
    Keeping the MH for weekends and British holidays touring.
    Till we have more time on our hands , and arnt stuck to kids holidays .
    We are also members or the caravan club and CCC.
    Whats the best thing to do when renewing MH insurance?
    I know its probably phoning one of the go compare , or similar , sites .

    But who do most of you use , can anyone recommend some to us.

    Thinking on , saga and any other age related schemes wont count as we both are under 50.
    ( for a couple more years , in my case , anyway:Rofl1:)
    Thanks.
     
  2. jhorsf

    jhorsf Read Only Funster

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  3. Bailey58

    Bailey58 Funster Life Member

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    Agree on Comfort. :Smile:
     
  4. Gonewiththewind

    Gonewiththewind Read Only Funster

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    Wouldnt recomend SAGA even if you were over 50. Been with them over ten years and they have just sent my renewal notice and they want £500. 12 year old van, nothing fancy. Ive told them it can go where the sun dont shine.

    Don
     
  5. Ralph-n-Bev

    Ralph-n-Bev Funster

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    Thanks for the replies, sparse as they are:Rofl1:
    Well i got a quote off Comfort and its a fair bit cheaper , but its without breakdown cover , adding about £50 extra on for that.
    Ralph's going to check and see if it would be cheaper to add the MH on to the AA breakdown today.
    It amazes me how much cheaper it is to insure the MH , than the caravan's we have had previously .
    Even though the MH is worth alot more . Not complaining though :Wink:

    Weve got a while to check out a few more yet , before its due.
    Trust our insurance to be due mid December, glad I've got all the Christmas pressies out of the way.
    I dont know , its in one hand and out the other at the moment :Smile:
     
  6. SteveandSue

    SteveandSue Funster

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    Insurance

    We had a quote from Comfort, like you said they are really cheap.
    But they will not protect your no-claims.
    And your motorhome is not insured whilst in any garage for service etc,
    so that put us off.
    Have you had a quote from the Caravan Club,they guarentee to beat your original quote by £25, we were with them last year, but we have changed to Saga as we needed European cover as well
     
  7. madbluemad

    madbluemad

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    Give IC Choice a call, they are a forum sponsor and gave me a good deal last year reducing my premiums significantley from my previous insurer.
    Jim
    :Smile:
     
  8. Ralph-n-Bev

    Ralph-n-Bev Funster

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    Thanks for pointing that out Vera, i dont think Ralph had realised that. Its early days yet , we will check out CC as we have recently become members.
     
  9. MrJinks

    MrJinks Read Only Funster

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    Shows you how these companies treat their loyal customers......My renewal with Saga after one year with them is only £310 including full Euro B/Down cover. Once you stay with them a couple of years they just dont care and start bumping it up. I find the same with my car. After 2-3 years with a company it jumps up so i get another quote from someone else that is usually lower than I was paying before.

    I was paying £200 a year for car insurance in 1975...Still paying £200 a year now :Eek!: How does that work???
     
  10. Loujess

    Loujess Read Only Funster

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    I'm with Insurance Choice, referred to above. However, I might have been a bit hasty since I had a look on Go Compare or Confused.com but none of the offers quite met my requirements so I called IC and went with them. Then, within a few hours, a few companies from the sites mentioned above called me promising to beat any quote I'd been given. I did wish I hadn't been so hasty then.

    Ivy
     
  11. lorger

    lorger Funster

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    Give Frank Pickles a try i have been with them 3 years and find them very good
     
  12. Terry

    Terry Funster

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    Sureterm direct for us this year :thumb: by far the cheapest for the cover we wanted
    08452020230
    Following my experience with the house cover :thumb: It may well be worth a call to Enterprise insurance co,plc, if you can find a number these look like they supply cover for sureterm :thumb:
    terry
     
  13. Bailey58

    Bailey58 Funster Life Member

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    Maybe because you were a spotty, newly qualified youth in 1975 driving a Ford Capri Ghia? :BigGrin:
     
  14. SpongeBobsDad

    SpongeBobsDad Read Only Funster

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    renewing insurance

    Have you tried safeguard have used them for years European breakdown cover in with the price. no weight restrictions have had to use this service a number of times over the years both here in the UK and also in europe with no complaints . I would definatly get a quote from them remember cheapest is not allways the best. good luck and safe and happy travels Ron .
     
  15. Mixter

    Mixter Read Only Funster

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    Apologies for dragging up an old thread, but our insurance is up for renewal soon. Our present insurer has stopped doing Motorhomes, so ive got a quote from the aforementioned Comfort, which is attractive at £200 (even less than our present premium). The 'downside' of apparently no garage insurance doesnt bother me, but can i ask if anyones had cause to claim from this company, and did they perform when push came to shove?

    Ill just throw in that the dear old CC came in with a quote of £900! Ill not be renewing with them anymore, as theyve patently nothing to offer me.

    Thanks - Mick.
     
  16. rainbow chasers

    rainbow chasers Read Only Funster

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    pickles are worth a bell, they give good cover and specialise in m/h. Very good prices too!:thumb:
     
  17. peter marshall

    peter marshall

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    Hi Ralph-Bev
    I am Insured with Caravan Guard just renewed with them as you say full cover home and abroad, Cant you just take off the bit you don't need now ?, re the AA adding MH Cover, I am with The CC & CCC, if you have RAC the CCC will arrange your MH cover free of charge might save you some cash. Peter :thumb::thumb:
     
  18. trophychap

    trophychap Funster

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    Can I just say that the point insurers are making by excluding cover whilst at a garage, is that a garage - a decent garage!! - should have its own Motor Trade cover to include customers vehicles. Now some may only have Road Risks in which case if the place burns down you have had it. But otherwise there is dual cover which can lead to terrible arguments - however the motorhome insurer doesn't see why he should be responsible when the vehicle is sat at a premises it knows nothing about, in a postcode that it may require higher rates for, and further they have no knowledge of the security there.

    Really you need to check before leaving your beloved vehicle with someone if the place has Garage Risks cover for customers vehicles and if so, the single article limit.
     
  19. Clare

    Clare Read Only Funster

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    Mhome ins

    Hi Ralph and Bev
    Have been a full timer on and off for over 10 years now and have always used Safeguard. I pay £311 for 2008 Chausson with full european cover etc. Never fancied any of the two big Clubs insurance, always been 100% satisfied with Safeguard and I have NEVER had to wait at the end of a phone in a queue or keep touching phone keypad to get to a person to speak to. When I downsized recently because I had been with then for a long time they waived the £25 admin fee for change of vehicle!!!! They came out joint top not so long ago in a Which report of motorhome insurers.
    Happy motorhoming.
    Maybe they could "knock off the european cover bit" and do you a good deal, worth an ask.
    Regards
    Clare:Smile:
     
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