Any other option than nfu for high priced motorhomes.

[Mr porky]

We have had our morelo motorhome insured with nfu for the last year and I’m usually very happy with them as a company and find them to be very professional.
However our insurance is very high at over £2200 fully comp with a loading of £2000 on any damage or theft. £50 on a new windscreen no limit.
10000 miles a year.
After speaking to other high value insured motorhome owners this seems very excessive.
Do we have any other option or is this it nfu or nobody.
please advise.

 

[funflair]

Have you talked to the office?

 

[Mr porky]

Have you talked to the office?

Yes. They won’t budge.

 

[Blue Knight]

Perhaps the full timing-thing has pushed up the price.

We went to NFU Lough for a quote (*) and they came up with a £2,700 price tag or an adjusted £2,400 figure with a quality alarm and tracker fitted.

(*) £275K value, 10,000 miles/year and a category C risk post code.

 

[ceejayt]

Ouch - this will hurt then...

I have my RS Motorhome - value £284k insured with NFU - I have full no claims (protected) and before mutual discount it is £520! After discount well under £500 - I have £3500 excess for accidental damage and £50 on windscreen replacement

One of the differences will be I have three vehicles insured with them and the house.

A friend of mine just got a Morelo and tried NFU and the quote was huge like yours BUT they said come back with your house renewal and it would all be different.

Beats me how they can offset motor and personal but clearly they do.

That was all through Louth agency

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[Mr porky]

We actually don’t full time as we go into bricks and mortar for 2 months a year

 

[ceejayt]

My No Claims discount is 67%, there is no mileage limit - I have made one claim in the last couple fo years of £1300 but was covered by NCD protection

 

[Mr porky]

We have

My No Claims discount is 67%, there is no mileage limit - I have made one claim in the last couple fo years of £1300 but was covered by NCD protection

we have max no claims with nc protection

 

[ceejayt]

We have

we have max no claims with nc protection

So they are quoting over £2000 AFTER no claims discount?? Bonkers, problem is your choices are few - good luck

 

[Coastal Cruiser.]

Seems a lot compared to mine as this is my first motorhome and only NFU would insure me.
Never had any other insurance with them but said would give them a go on my rental properties.
Gave them a go and they came back cheaper

Tried them a year or so again in my commercial vehicle and they were way off with that!

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[Bleau’s]

Try becoming a countryside member of the nfu if you can and then get a quote from them mine reduced by over 20% when I did it a few years ago. I always use the spilsby office

 

[Solwaybuggier]

We are very happy customers of NFU for house & contents insurance, and for car. They offered us cover for MH, but AFAIK the recovery cover only goes up to 3500 kg. I’d have thought most high-priced MHs would also be over that weight? Or are our local branch wrong on this?

 

[KimSteve]

We have had our morelo motorhome insured with nfu for the last year and I’m usually very happy with them as a company and find them to be very professional.
However our insurance is very high at over £2200 fully comp with a loading of £2000 on any damage or theft. £50 on a new windscreen no limit.
10000 miles a year.
After speaking to other high value insured motorhome owners this seems very excessive.
Do we have any other option or is this it nfu or nobody.
please advise.

I used Adrian Flux, but also A Plan Thatcham are good.

 

[Mr porky]

I used Adrian Flux, but also A Plan Thatcham are good.

Thank you

 

[denisejoe]

As you're only in bricks and mortar for 2 months a year I think some insurance companies would say that you are full timing - Comfort certainly would. This is the wording in the policy booklet:

1. Long term Touring and Full Timing
   Use of your motorhome for nine months or more (whether as a single trip or a series of trips) in any one year will be treated (and rated) as long-term touring. If, in addition, you sell or let your UK property you will be treated (and rated) as full-timing.

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[Steve and Denise]

ABI do hi end vans and cars but you would have to enquire with them directly we insure a hi end car and that worked out around £1,000 per £100,000 value it may be different on vans

 

[Mr porky]

As you're only in bricks and mortar for 2 months a year I think some insurance companies would say that you are full timing - Comfort certainly would. This is the wording in the policy booklet:

1. Long term Touring and Full Timing
   Use of your motorhome for nine months or more (whether as a single trip or a series of trips) in any one year will be treated (and rated) as long-term touring. If, in addition, you sell or let your UK property you will be treated (and rated) as full-timing.

I can see that but we also travel out of the motorhome in usually India or Asia for at least another 6 weeks a year when not covid restricted

 

[Al n Val]

Try LV

they beat everyone I’ve tried for the last 2 years, £85k value and kept on my mates farm with no issues whatsoever.

 

[Steve and Denise]

I can see that but we also travel out of the motorhome in usually India or Asia for at least another 6 weeks a year when not covid restricted

After what you have said and your extensive use I think your premium is very reasonable and as you say a top end van

 

[denisejoe]

I can see that but we also travel out of the motorhome in usually India or Asia for at least another 6 weeks a year when not covid restricted

Hadn't realised that. It sounded as though you use the MH 10 months of the year. Worth trying Comfort in that case.

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[Lazyboy]

I would also talk to LV. Very competitive for us. Just make sure they are aware of what is fitted.

 

[Fulham Dave]

We had same issue last year - we are fulltimers. Van value £140,000

Tried NFU and they would not insure us. Adrian Flux came back more expensive than Comfort who quoted £2500 with 18,000 miles although they advised if we were to do more it was not a problem. Premium dropped to £2200 this year!

I saw someone respond to another thread stating they were insured by Aegeas? and their van was over £100,000

Not sure if this helps?!