Variation in quotes

Discussion in 'Motorhome Insurance General Discussion' started by oaktree11, Aug 19, 2015.

  1. oaktree11

    oaktree11 Funster

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    Hi all,

    I am looking for insurance for the MH that we collect next week (whoopee!)

    I am really surprised at the variability in the quotes that I am getting. It will be in my name. I don't have any no claims bonus in my name because I have always had a company car. I DO have another car insured but only recently.

    Some folks offer various discounts at the outset, some will offer them when pressed. For example, CaravanGuard (with whom I am so far impressed) whacked everything inand came up with £340 including European and UK breakdown cover.
    Safeguard have just quoted me £985 for essentially the same excess, cover etc. When I could talk again after he told me I told him we were miles away and he said there were discounts that could be applied etc. I gave up because I couldn't see 60% odd being forthcoming.

    We will see what tomorrow brings, its the day I have set aside to sort this out once and for all!
     
  2. oaktree11

    oaktree11 Funster

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    As a PS to the above post, the guy at SafeGuard did volunteer that they have a sister company (both owned by Swinton?) called Scenic Insurance who may be more competitive
     
  3. Robert Clark

    Robert Clark Funster Life Member

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    Try NFU mutual
     
  4. mickyc

    mickyc Read Only Funster

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    I'm surprised at your Safeguard quote, seems very high.

    We've changed between Safeguard and comfort various times.

    Comfort do online quote. Our currently is about £350 (safeguard was £400) both including European breakdown etc.
     
  5. oaktree11

    oaktree11 Funster

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    One of the big issues with SafeGuard seems to be my zero no claims, it makes a big difference to them apparently - but not to others obviously...
     
  6. ramsthom

    ramsthom Funster

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    Ive been with Caravan Guard for a number of years and £340 is a competitive price. About £80 of that is for breakdown insurance. The European breakdown is optional which would reduce it by about £40 to £50. When you take out motorhome insurance for the first time they usually mirror your car insurance NCB. Price is also based on annual millage so make sure that is correct.
     
  7. Wildge

    Wildge Funster

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    Spent days doing the same over the years and always go back with Caravan Guard. Lots of info on here re different firms, who seem to be the 'bees knees' one year and then pffffft :LOL:
     
  8. trekkin

    trekkin Read Only Funster

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    I like you had no insurance history as I drove company vehicles. If you have an accident free company car history, (5years) get a letter from your company stating this, I did and got NCD from the off.

    You can reduce your premium by increasing your excess, reducing your annual mileage, member of a club, parking sensors or camera, immobiliser also helps thatcham cat 1.

    Check you are getting the same cover, overseas, legal cover, etc. I have safeguard as they offer unlimited value windscreen cover. £1000 max may not cover it as some offer, or personal effects

    One of the biggest differences I found was some policies do not accrue NCD. They are stand alone offers, take one of these and you will either gain none or loose your NCD making it just as difficult next year

    It really is a minefield
     
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