Shocked by insurance quotes, or am I being naive?

Discussion in 'Motorhome Insurance General Discussion' started by Diggerdi, Jan 10, 2017.

  1. Lenny HB

    Lenny HB Funster

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    Comfort is a net policy NCD does not make any difference.
    Unless your van is worth more than 80k I would expect a sub £300 premium with Comfort but some models they load or the storage compound is in a high risk postcode area.
    Other insurers like Scenic will mirror the cars NCD.
     
  2. matamoros

    matamoros Funster

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    Comfort gave me the£820 quote for a £30000 Globecar, no convictions, claims etc, parked on drive, only vehicle, 2 drivers, 15000 miles.

    The insurance market seems very complicated with different brokers having special arrangements with underwriters so that the same policy will have different prices from different brokers.
     
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  3. Diggerdi

    Diggerdi Funster

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    @Gorse Hill, no, we're a bit further east in the posh bit - Audenshaw :D, but the van will be kept in Ashton, but only 10 mins away from home.
     
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  4. Diggerdi

    Diggerdi Funster

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    Sorry for being thick, but I presume mirroring means that you have the same NCD on both vehicles? I hadn't considered swapping the NCD from the car to the van, but as the car is only two years old in March and I am already paying just over £300 for car insurance, there probably wouldn't be much difference. Any opinions please?
     
  5. lorger

    lorger Funster

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    Just renewed mine this morning with Safeguard, they sent my renewal through and after checking online for other prices they were slightly more expensive. I called this morning and with in 5 minutes had nearly £50 off the renewal price, it cost me £335 thats for a year old van 2 drivers, I have 3 points so pleased with that. Comfort quoted £5 cheaper for their premium cover which is equivalent to the one i have.

    Also renewed my car insurance today and managed to get a decent discount on that just by looking around.
     
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  6. Stroppy Bird

    Stroppy Bird Funster

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  7. Lenny HB

    Lenny HB Funster

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    Doesn't involve swapping your NCD, just means if you have a car with 60% NCD they will give you 60% on the Motorhome but won't give you a protected NCD for the first year.
     
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  8. Lenny HB

    Lenny HB Funster

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    Our van is insured for 62k 8000 miles Comfort premium £292 including £12 for £1000 audio cover. Parked on drive, cost about £20 to increase mileage by 2000 but over 10k they treat it as unlimited.
    Got a quote for the new van which will be 25-30% higher value they said same price .
     
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  9. Speve

    Speve Funster

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    We paid £375.55 for Comfort including £60 European breakdown. Not had any claims
     
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  10. EX51SSS

    EX51SSS Funster

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    Try Alan Blundell. Best quotes and mirrors NCD and also build your own up on MoHo
     
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  11. matamoros

    matamoros Funster

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    Unfortunately our address is in an E rated area, presumably most in West Sussex are A or B, seems to make a tremendous difference.

    Most of the quotes on this thread that seem to be cheap originate from A rated areas, at least the ones that I have bothered to look up thanks to the very useful link posted by @Stroppy Bird.
     
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  12. Kool Kroozer

    Kool Kroozer Funster

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    Saga £270, full unlimited european cover included, protected NCD, 2 Drivers, 3 points on licence for SP30,10k miles, kept on drive..this is my renewel quote just had from them ;) Just cant find anything any cheaper anywhere GO SAGA :dance2::dance2:
     
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  13. PhilandMena

    PhilandMena Funster

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    Try Motorhome Facts insurance. Mine has never been above £400. from new.
     
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  14. Lenny HB

    Lenny HB Funster

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    All very much a postcode lottery

    Shoreham-by-Sea 2 miles east of us used to have a postcode of BN4 (BN= Brighton) about 15 years ago they changed the postcode to BN45, everyone's car and house insurance dropped in price.
     
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  15. matamoros

    matamoros Funster

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    Saga, Comfort, Caravanguard, Motorhomefacts, Safeguard,C&CC,CC, Camptons, AIB et al are either brokers or use brokers to get quotes from a limited number of underwriters.

    What I find confusing is that different brokers come up with different prices for the same cover provided by the same underwriters, and not just a little either!
     
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  16. Bailey58

    Bailey58 Funster Life Member

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    Wot @Lenny HB said. The 2014 prang will affect it whatever but you can only ask re mirroring and swapping.
     
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  17. Viennese

    Viennese Funster

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    I'm with them too and it's about the same price. In addition I can keep it either at home (on the road) or in secure storage. They are happy with both.
     
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  18. Fletton

    Fletton Funster

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    It seems to moi... that it be a lottery...
    And what they can fleece you for...
    Combined with... what you "consider" acceptable!!..
    bet the Scots ins is as cheep as chips!... :) ;)
     
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  19. G7UXG

    G7UXG Funster

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    Ditto.
    About £375 on a Hymer A class, although if it was a Rapid A Class, a Carthago A class or an N&B A class of the same value it would have been another 300 quid.

    Moved from one CASSOA Gold site to another more secure one, even indoor storage and still CASSOA Gold and the premium went up £100. If I'd have left it where it was in an outside storage pitch it would be less than £300.

    You can't argue with them; just shop around.

    Mike
     
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  20. Reallyretired

    Reallyretired Funster

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    The security of a storage site doesn't seem to count for much, it's all down to location. Someone on this forum a while back moved their storage from a gold site to parking outside their house and the premium went down.
     
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