Well ive started the annual search for the motorhome insurance. I have been insured with Caravan Guard for the last 9 years and have always negotiated a reasonable renewal premium compared to Comfort and Safeguard. This year it had increased to £444 from £354 last year. After negotiation they reduced it to £384. This includes UK and EU breakdown and 7000 miles annually. Comfort gave a quote of £308 with a slightly lower excess. Safeguard surprisingly gave a quote of £435 but after I mentioned the Comfort quote they immediately reduced it to £295 and with their usual unlimited mileage. I understand a number of FUN members are with Safeguard and their reviews are generally positive but are their renewals consistently lower than the competition or do you have to negotiate every year.