Discussion in 'Motorhome Insurance General Discussion' started by teragram, Mar 31, 2014.
can anyone help at all is there any business insurence for motor homes oh:
When I bought motorhome first I insured it for business use with AXA
But very expensive think it was about £800 for an 07 plate with value of £20k
Now only pay £230 and if away on business with MH I phone my insurance broker and its added to the policy at £10 day
Telling us the type of business might help get worthwhile replies. My motorhome is on my motor trades policy.
My motorhome is insured with Comfort and the policy includes 'use by the policy holder or spouse in connection with his or her business'.
I did not pay a premium for this and had forgotten it was still on the policy until recently.
I own my own small business which has 3 vehicles and a fleet policy, for my own convenience mainly I have included my MH on the fleet policy which then gives full business use by default
It is however a really expensive way to insure vehicles, my problem is that I no longer have a private policy having insured all my cars through the business for the last 20 years. So with no transferable no claims benefit, despite making no claims for 15+ years!! Grrrr, the business option was really my only choice
CC wanted £1400 for a private use only new policy when we bought the MH last year, we pay approx. £800 per vehicle on the business fleet policy
Looks like another reason why I will never be able to retire!!
Hope this helps a bit
They used to be farmers only, but it's no longer a requirement. They have always specialised in the small business market & I've always found that their premiums are good value (which is not the same as saying they are the cheapest) & they are excellent to deal with - real people who understand what you are saying!
If you have any difficulty, look up the contact details for their Louth office. Normally each office just deals with it's local area, but apparently the Louth office have built up a bit of a specialized motorhome service. Although it's my local office, my insurance is through a different office, simply because it is with what was my local office when I first started dealing with them.
I have their standard business use policy & it was less than many others wanted for 'social, domestic & pleasure'. Only thing to check - it's a standard vehicle policy, without some of the extras that specialised motorhome policies tend to add on. So make sure it covers what you need & consider whether additional breakdown or contents cover is needed - especially if you spend much time abroad. Their household contents policy is quite good on 'items temporarily removed' so that covers a lot.
Safeguard gave me "Mobile Office" insurance. But "no tools" in a MH where I carry enough for an engine rebuild.
It's back to rip off Britain again. What difference does it make if you have an accident returning from a trade show or a holiday. The only two things that should matter are the value of the vehicle, and the average mileage you do in it. Most insurers will give you a starter bonus to a new policy if you have driven claim free on someone else's insurance or a firms car etc. I know it can be tedious, but fill in your details online to as many compare sites and insurers as you can, and you may be pleasantly surprised. Saga are currently advertising motor home cover for under £200 and when I had my car insurance with them, business use was only £50 extra. You have to be over fifty years old though.