Am i too old? (1 Viewer)

[Folkranger]

At 76, looking to change our 3500kg 2014 Rapido A class for a newer 4500kg 2019 costing £90000. Most companies won't quote, in fact the only one who quoted (Adrian flux ) was over £700 v our current £330.

Tried again saying I'd fit a tracker and got 4 quotes all over £600.

We only do 2500 miles and go for the highest excess and have umpteen years NCD. As others quote lower figures, like Minxy girl, is it simply because of my age?

 

[DavidG58]

Double the value, double the risk surely

not ageist , pure economics

still a lot of money out of your pension , but given you have enough to buy it , sure you can find another £300 to insure it

 

[Figaro]

Double the value, double the risk surely

I`m not sure it always works that way, but motor insurance is a dark art few of us will ever understand.

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[chaser]

At 76, looking to change our 3500kg 2014 Rapido A class for a newer 4500kg 2019 costing £90000. Most companies won't quote, in fact the only one who quoted (Adrian flux ) was over £700 v our current £330.

Tried again saying I'd fit a tracker and got 4 quotes all over £600.

We only do 2500 miles and go for the highest excess and have umpteen years NCD. As others quote lower figures, like Minxy girl, is it simply because of my age?

Wow, hope I will still be thinking of buying a motorhome of any value in 3 years time.

 

[Folkranger]

Surely it's by concerning myself with not paying over the odds for stuff like insurance etc that leaves me with enough dosh to buy a better van.

 

[Nanniemate]

Just spend it, because the kids will

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[h1ghway1]

Try this recent thread....

Motorhome Insurance

Has anyone got a better quote than from Caravan and Motorhome Club? My first renewal has just shot up from £800 to £1,100!

www.motorhomefun.co.uk

 

[DavidG58]

Surely it's by concerning myself with not paying over the odds for stuff like insurance etc that leaves me with enough dosh to buy a better van.

sort of right, but I guess you are paying £40K+ to upgrade, why is the £300 insurance increase your concern

 

[Andacami]

Also try A-Plan Thatcham branch.

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[Folkranger]

Just spend it, because the kids will

That's the plan.

 

[2657]

It seems to me that if you can only find one firm to even quote then you don't have a great deal of choice.

I pay almost that at 71 for a £25000 campervan, a lot depends on postcode.

 

[Folkranger]

sort of right, but I guess you are paying £40K+ to upgrade, why is the £300 insurance increase your concern

Nearly right. The real extra cost is the extra depreciation over say 5 years or about £15K. But an extra £300 for insurance plus £ 300 for tracker is an extra three grand over five years. Not a small sum.

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[Ernesto]

Nearly right. The real extra cost is the extra depreciation over say 5 years or about £15K. But an extra £300 for insurance plus £ 300 for tracker is an extra three grand over five years. Not a small sum.

... plus the opportunity cost of what the extra £40k+ of capital could earn invested in property or shares etc.. I suspect the high price and lack of willing companies might also be down to the small number of similar people in your situation. Insurers probably cluster around larger sectors of the market.
Maybe with a year under your belt, next year more will be willing to consider it

 

[Folkranger]

Try this recent thread....

Motorhome Insurance

Has anyone got a better quote than from Caravan and Motorhome Club? My first renewal has just shot up from £800 to £1,100!

www.motorhomefun.co.uk

Already read and commented but I'm grateful for all the input.

 

[Folkranger]

It seems to me that if you can only find one firm to even quote then you don't have a great deal of choice.

I pay almost that at 71 for a £25000 campervan, a lot depends on postcode.

My current insurance went up from 300ish to over 700 with Comfort but I got £330 from c&mc. Yours seems too high but then it's all very individual.

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[OldCodger]

Just spend it, because the kids wil

In my family my parents are Always SKIing. Spending the Kids Inheritance.
As the Nike advert says Just Do It!

 

[Folkranger]

Thanks for all your replies. It looks more like it's due to the van value than my age. If I buy the van £730 from a. flux is better than 630 elsewhere and having to fit a tracker.

 

[chaser]

Thanks for all your replies. It looks more like it's due to the van value than my age. If I buy the van £730 from a. flux is better than 630 elsewhere and having to fit a tracker.

I know I keep coming up with nfu which is worth a try but in this case I don't think they will be much better.

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[Folkranger]

In my family my parents are Always SKIing. Spending the Kids Inheritance.
As the Nike advert says Just Do It!

Well our two are both now set up better than we were, so why not. They'll still get the house. (Not to mention the use of the MH if they want to)

 

[Folkranger]

I know I keep coming up with nfu which is worth a try but in this case I don't think they will be much better.

I'll try them if we decide to buy.

 

[Hymerbell]

At 76, looking to change our 3500kg 2014 Rapido A class for a newer 4500kg 2019 costing £90000. Most companies won't quote, in fact the only one who quoted (Adrian flux ) was over £700 v our current £330.

Tried again saying I'd fit a tracker and got 4 quotes all over £600.

We only do 2500 miles and go for the highest excess and have umpteen years NCD. As others quote lower figures, like Minxy girl, is it simply because of my age?

Do you have any Scottish blood in you ?

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[Northernraider]

My 2008 frankia valued at £45k cost less to insure than my 2004 hymer valued at £25k ...

 

[Clipgate]

Money in a bank is likely to cost you to keep it there very shortly, in fact one bank is charging as of today.
I would not think of advising you, however the alternatives are not that attractive.
I hope my children like debt, because that is my aim.

 

[Jimbohorlicks]

I assume that you have kept up your C1 driving licence entitlement to allow you to drive a vehicle over 3500kgs. If your 76 then you must have reapplied twice so far and submitted medicals and eyesight tests?

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[Lenny HB]

With specialist Motorhome insurance Class of Motorhome can affect the price.
My mates last van was a Carthago C I Tourer Comfort put it in the same class as the up market Carthago's & charged a £1000, following year they had reclassified it and it was £400.
He now has an Carthago E line (130k), Comfort £1000, NFU £530, no tracker or alarm required

 

[Richard n Ann]

Surely it's by concerning myself with not paying over the odds for stuff like insurance etc that leaves me with enough dosh to buy a better van.

You can't really ask us. It absolutely depends on how much YOU like the new van. Is it worth it to you?

 

[Folkranger]

Do you have any Scottish blood in you ?

Not even Yorkshire

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[Folkranger]

You can't really ask us. It absolutely depends on how much YOU like the new van. Is it worth it to you?

But what I was asking was is my age causing a hike in insurance.

 

[Rodneyplonker]

I'm 78 and have just bought a new van. I didn't give a thought about my age because I don't feel any different to when I was 60 and thankfully, am still quite fit and active... Not quite ready for the 'pipe and slippers' just yet! I'm with comfort and paid £460... no tracker!