We improved our security and Saga have refused to insure us!!!

Discussion in 'Motorhome Insurance General Discussion' started by TPMM, Mar 3, 2015.

  1. TPMM

    TPMM Funster

    Joined:
    Apr 22, 2012
    Messages:
    45
    Likes Received:
    18
    Location:
    North Wales
    The world has officially gone mad! In order to improve the security of our motorhome, my current husband, who is very competent at DIY, fitted a Fiamma door lock/handle. When I rang Saga to get a quote for insurance I mentioned this, assuming that better security might result in lower premium. To my utter amazement, the underwriters refuse to insure us (because the vehicle has been "modified") unless we provide an engineer's report that the work has been carried out satisfactorily!!
    Alternatively we could remove the device!!!

    Fortunately the Caravan Club insurers have not taken this view so we will remain with them - despite their £10 renewal fee which I really object to!

    Be warned - maybe you are better off not mentioning such "improvements"!!
     
    • Like Like x 2
  2. mariner

    mariner Funster Life Member

    Joined:
    Nov 21, 2013
    Messages:
    1,284
    Likes Received:
    3,798
    Location:
    Isle of Dogs, but mostly Artola Spain.
    Trouble is, that some of these jumped up "telephone jockeys" think they are expert underwriters.

    If they come up with what is an obviously stupid comment, ask to be referred to their supervisor, if they refuse go elsewhere!


    :cooler:
     
    • Like Like x 3
  3. John Laidler

    John Laidler Funster

    Joined:
    Jan 9, 2013
    Messages:
    8,557
    Likes Received:
    11,530
    Location:
    Plympton, Devon
    On another day you might have had a different result. The people you are speaking to generally know nothing about motorhomes and just follow a script. Sometimes they will go out on a limb and use their judgement, other times they don't.
     
    • Like Like x 3
  4. Glandwr

    Glandwr Funster

    Joined:
    Jul 10, 2014
    Messages:
    618
    Likes Received:
    1,688
    Location:
    the Berwyn Mountains
    I wonder how many totally "unmodified" vans are on the road. I suspect very few.

    Dick
     
  5. Wobby

    Wobby Read Only Funster

    Joined:
    Aug 26, 2007
    Messages:
    83
    Likes Received:
    55
    Location:
    Hailsham
    Your current husband! Hope your not changeing him any time soon?;)

    We insure with NFU they don't require alarms or trackers and they are rated best by "Which" Our van is worth £70k so we have fitted both for our own peace of mind.
    Our previous van was an Carthago Opus £120k still no problem to insure.

    Wobby
     
    • Like Like x 3
  6. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    5,210
    Likes Received:
    5,001
    Location:
    West Sussex
    As you know we have an Exsis as well, NFU were over twice the price of Comfort, don't mind a bit of difference but over double was a bit much.
     
    • Like Like x 1
  7. Mr Colpot

    Mr Colpot Funster

    Joined:
    Apr 29, 2009
    Messages:
    686
    Likes Received:
    239
    Location:
    West Sussex
    I better check with Saga as I answered unmodified when changing the Motorhome details to our latest one, but it has a similar door locking device fitted. Better to know now than if I have to claim.
     
    • Like Like x 1
  8. hilldweller

    hilldweller Funster Life Member

    Joined:
    Dec 5, 2008
    Messages:
    26,409
    Likes Received:
    25,059
    Location:
    Macclesfield
    But if you don't and something goes pear shaped they can disown you.

    It's a lose lose situation.

    Worst case scenario. You leave MH, you lock new lock. FIRE. Fire brigade struggle to get in. Insurers blame you.
     
    • Like Like x 1
  9. TPMM

    TPMM Funster

    Joined:
    Apr 22, 2012
    Messages:
    45
    Likes Received:
    18
    Location:
    North Wales
    Hilldweller knows the significance of the "current"!! Whilst my husband drives me round and empties the loo and does all the other little jobs that men do, (sorry to be sexist!) he doesn't have to worry too much, but it does no harm to keep him on his toes!!

    By the way it was the underwriters that refused cover not the "telephone jockey".
     
  10. gillnphil

    gillnphil Funster

    Joined:
    Apr 12, 2010
    Messages:
    887
    Likes Received:
    3,321
    Location:
    West Suffolk
    We only have one habitation door on our van, and I have thought about the fiamma door locks on the garage etc. So far resisted doing it. Any ideas ?
    Phil
     
  11. hilldweller

    hilldweller Funster Life Member

    Joined:
    Dec 5, 2008
    Messages:
    26,409
    Likes Received:
    25,059
    Location:
    Macclesfield
    Yes, but if I told them, I'd have to kill them.
     
  12. JJ

    JJ Funster

    Joined:
    May 1, 2008
    Messages:
    14,513
    Likes Received:
    25,640
    Location:
    Quinta Majay, Pinheiro Bordalo, Portugal
    I certainly don't know and am, therefore, probably quite wrong but I suspect the "insurance" person on the end of the phone just asks questions written on the screen of the computer and has no say in any decision making.

    JJ :cool:
     
  13. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    A: with this device locked it's obvious that van unoccupied

    B: dont they have a reputation for failing and being difficult to open?

    If your going to do the job do it properly. Just shop around for locks/locksmiths, Google “commercial vehicle security” and get quotes from trade suppliers. You will soon learn that when the word “Motorhome” is placed in front of any product the price can magically double!

    quote Lenny
    "I wouldn't recommend the Fiamma handle makes it even easier for the thief. Gives them something to pull on and the fixings pull out through the van wall, happened to a friends van in City Europe did extensive damage to the van wall."
     
    • Like Like x 1
  14. ivorantony

    ivorantony Funster

    Joined:
    Jan 22, 2013
    Messages:
    461
    Likes Received:
    478
    Location:
    London SE
    Yes I fitted these last year to the garage and hab doors,
    Very well made and the hab ones can be open from inside if locked with or without keys,
    http://www.imc-creations.fr/Verrou-Cellule
     
    • Like Like x 2
  15. Highwayman1

    Highwayman1 Funster

    Joined:
    May 9, 2013
    Messages:
    47
    Likes Received:
    109
    Location:
    Lincolnshire
    Well if that is a `modification` that affects your premium to the extent they won`t insure you I`d be thinking about getting the engine re-mapped and having a nitro injection system fitted to justify the rejection ! Then send them an engineers report from Santa Pod raceway .
    That is one sad state of affairs, so anyone self fitting anything could be classed as a modification that requires a report. Makes you think where the insurance industry is going really. I had deadlocks fitted professionally to my `Boxer` and fitted the Fiamma gear myself including the bike rack and habitation door handle - no reduction for the locks but no rejection or increase either. Guess changing the tyres from factory fit to any others could count also ? On and on it goes
     
  16. Lenny HB

    Lenny HB Funster

    Joined:
    Oct 18, 2007
    Messages:
    5,210
    Likes Received:
    5,001
    Location:
    West Sussex
    A bit OT, wife was sorting out a cupboard at the weekend & found some old photos, some of them were ones I took at Santa Pod in 1968.:)
     
    • Like Like x 2
  17. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    Might be something to do with type approval....
     
  18. Bobby22

    Bobby22 Funster

    Joined:
    Dec 15, 2013
    Messages:
    1,054
    Likes Received:
    3,125
    Location:
    Scotland
    I called esure for a quote for my car (0800) I gave them my registration Number. They came up with a different model car than mine so COULDN'T quote me.
    I checked online with them and my car came up no problem..........if i put in that the car has been modified ( with parking sensors ) it won't quote me. I always call direct and let them know about the sensors.
    The internet and social media are great for getting the best value insurance these days.
     
  19. Rob and Val

    Rob and Val Funster

    Joined:
    Oct 17, 2010
    Messages:
    874
    Likes Received:
    2,119
    Location:
    Lincolnshire
    @TPMM, we told the Caravan Club that we were not willing to pay the £10 renewal fee as we thought it was despicable to penalise loyal customers. They immediately said that they would not charge the £10 and so they got our business for another year.
     
    • Like Like x 2
  20. Judge Mental

    Judge Mental Funster Deceased RIP

    Joined:
    Sep 2, 2009
    Messages:
    6,782
    Likes Received:
    6,034
    Location:
    Sarth London
    They all do that! Safeguard offer a 25 % discount if you sign up....I wonder who is paying for that do you think! Us long term suffers/members or the directors!? Grrr"..... :)
     
Loading...

Share This Page