Swopping caravan to mh - recovery

Discussion in 'Motorhome Chat' started by Debs, Sep 14, 2014.

  1. Debs

    Debs Funster

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    I know I only have to make a phone call but you lot give far more interesting answers....:)
    and a little info always helps.

    We currently have RAC recovery via the c&cc which covers the car and caravan.

    Has anyone else been in this situ and swopped to a mh part way through a year? Is there an additional charge? Or do I just notify them of the change/additional vehicle.

    If we are covered it'll be one less thing to worry about when sorting the insurance.

    Cheers
     
  2. Wildman

    Wildman Read Only Funster

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    swap, these days your joking one lot cancelled no refund for unexpired portion and a dear quote for the motorhome, hee hee. Welcome to the real world.
     
  3. irnbru

    irnbru Funster Life Member

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    I guess it may depend on the value difference.
     
  4. Khizzie

    Khizzie Funster

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    Exactly what happened to me when swopping from tugging to motorhome . would not even transfer 12 yrs ncb. So kicked them into touch and went with another company .
     
  5. Debs

    Debs Funster

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    Hmm .... Not sure, this is a family recovery which covers all the household cars and includes caravan recovery.

    Insurance wise hopefully will be ok as the car is insured with me as main driver so oh should be able to use all his ncd (in theory anyway;))
     
  6. scotjimland

    scotjimland Funster Life Member

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    I might be wrong but I don't think you get NCD on a motorhome insurance policy ..

    as for recovery.. just call them .. shouldn't be an issue or any extra
     
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  7. Bertie Bassett

    Bertie Bassett Read Only Funster

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    What Jim said.(y)
     
  8. Khizzie

    Khizzie Funster

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    I got full ncb on my motorehome when I insured with safeguard ..
     
  9. pappajohn

    pappajohn Funster Life Member

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    If you have RAC arrivals via the C&CC you are covered in any vehicle (excluding commercial vehicles...sign written work vans etc) whether you are driving or not and are the owner or not.

    The cover is personal based, not vehicle specific.

    Some members have had (up to) 11 ton rv's recovered on the arrivals scheme at no extra cost.
     
  10. pappajohn

    pappajohn Funster Life Member

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    So did i.....and it still comes down a few quid each year too.
     
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  11. tambo

    tambo Read Only Funster

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    I have 2 car policies with 9 yr ncb on each ....and when I took out a motorhome policy they mirrored it giving me 9 yrs on that too ...:)

    I pay less for 3 fully comp vehicles than my work mate pays for 1 lol
     
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  12. Bertie Bassett

    Bertie Bassett Read Only Funster

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    Edited to add I thought Jim had said you don't get NC on the recovery portion. I certainly got full no claims on our Safeguard policy.
     
  13. PP Bear

    PP Bear Funster Life Member

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    Ditto, I also get NCD :)
     
  14. Bertie Bassett

    Bertie Bassett Read Only Funster

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    On Sept 1 I was pleasantly surprise to see mine had come down again too! Every little helps:)
     
  15. Debs

    Debs Funster

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    Cheers everyone for the info.....

    I was under the impression that the mh is classed as a vehicle so will attract ncb. I was also under the impression that you can only normally use ncb on 1 vehicle at a time - but it sounds as though others have had a different experience.

    We have 1 car and we get the mh end of the month so my thinking was that oh will be able use his ncb on that. (I wasn't really expecting ncb on the recovery tbh)

    I know safeguard include recovery as standard - I'm just trying to keep all options open :).

    Pappajohn - yes we have arrivals, I wondered if that was the case.....

    Well more phone calls in the morning

    Deb
     
  16. Badknee

    Badknee Funster

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    Adrian Flux have accepted proof of ncd by post from work on my works van!
     
  17. Debs

    Debs Funster

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    Every little helps!:)

    Pappajohn was right - I've rung the RAC, yes the mh is covered for recovery no restrictions weight, length etc. same cover as for the cars.

    It is only uk though so will look at other options eg safeguard
     
  18. scotjimland

    scotjimland Funster Life Member

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    I stand corrected on NCD.

    my recollection was when I had a fulltime policy that didn't accrue NCD . and prior to that when I had a car and a motorhome and could only get NCD on the car.
     
  19. Debs

    Debs Funster

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    Thanks, that was my understanding so it will be interesting to see what happens.

    Should be ok as we only have the 1 car since the other got written off in the storms a while ago. Although it might make a difference I suppose, as we have to declare the write off as an uninsured loss as it was our roof that came off and wrote the car off:(
     
  20. cruiser

    cruiser Funster Life Member

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    found the RAC.were cheaper through the CCC.and they brought home our 6mtr.motorhome.on the back of a trailer.
     
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