Bye bye Safeguard, hello Comfort

Apr 27, 2008
9,302
8,445
Eastbourne East Sussex
Funster No
2,327
MH
A Class
Exp
Since 1972
In spite of an increase in insurance tax. My renewal with Comfort was £10 less than last year. Been with them for years and they have never put the premium up unreasonably for existing customers the way many do.

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Apr 9, 2014
1,156
5,583
Lincs
Funster No
30,922
MH
Coachbuilt
Exp
2012
I hate to follow the crowd but we may well be doing exactly the same, 635 from Safeguard renewal at the mo and 380 from Comfort, thats without me moaning about the price though :cautious:, there are differences in the cover but for us they are irrelevant. (It'll probably go up just to make sure I leave).

Really hurts me to move back to Comfort after the complete mess they made with our breakdown recovery leaving us stranded for 6 hours, but I have FlexPlus and CamperAssist to fall back on this time and actually I dislike giving a company 250 odd pounds for nothing:D
 

Derbyshire wanderer

LIFE MEMBER
Mar 30, 2014
1,035
1,741
Derbyshire
Funster No
30,753
MH
C class
Exp
8 years
I have just left Comfort because they wanted an extra £50 from £315 to £365 for 2000miles increase from 4000 miles a year even though the last 6 years we have not used the mileage paid for.
Agreed not a big deal but I thought it was a cheek so said goodbye.
 

f6c

Nov 7, 2010
8,224
2,837
gloucestershire
Funster No
14,378
MH
Carthago Malibu 640
Exp
21Years
Great to see all you funsters saving money, but we have an A class windscreen replacement £4,000 Comfort Cover £1,500 love to go with them but safeguard unlimited windscreen cover! Premium £730:00

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Mar 28, 2016
1,003
3,004
Cheltenham
Funster No
42,179
MH
N+B Arto 76 LE
Exp
2016
Great to see all you funsters saving money, but we have an A class windscreen replacement £4,000 Comfort Cover £1,500 love to go with them but safeguard unlimited windscreen cover! Premium £730:00

I’m with comfort and my windscreen limit is £3,000.

Maybe worth a call to check with them although you will still have a shortfall but depends on the overall saving on the premium, as you could put any savings towards the additional cost if ever required?
 
Oct 30, 2010
4,274
20,453
Suffolk or France or ........
Funster No
14,290
MH
A Class Carthago Chic
Exp
Since 2008
Our A Class screen seems to be a magnet for stones so I will be staying with Safeguard for now.
Also, Comfort require a tracker and don’t recognise our Vanbitz ‘non starter’.
Our Safeguard premium went up by about 14% this year but I had just been reading that motor premiums had risen by that sort of amount overall so wasn’t too concerned.
With unlimited mileage and 365 days European cover, plus the fall in value of the pound versus the euro making some claims more expensive, I considered it fair although I’m never happy at paying more. :(

Richard.
 
May 21, 2008
3,758
5,301
Oxford
Funster No
2,767
MH
WildAx Constellation
Exp
Since 2008
I claimed over £2.5k from Safeguard for damage to the van last November, and was expecting a big hike in premium. They only raised it by £50. I'm sticking with them, I find them most accommodating. They cover the van whether it's in storage (10 miles away) or whether it's parked on the road outside my house (from where I had a van pinched 10 years ago) being worked on/cleaned etc, and include AA cover at home and in Europe.

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zac

LIFE MEMBER
Nov 19, 2013
1,647
850
Hampshire
Funster No
29,076
MH
Rapido A CLass 10000 DFH
Exp
since 2013
I have a A Class and i am with comfort and i can see the Glass claim is a max of £3000, what does a windscreen cost on an A Class as if it is significantly more i will have to move when it comes up for renewal soon?
 

irnbru

LIFE MEMBER
Jun 27, 2013
12,269
26,358
Glasgow
Funster No
26,684
MH
Benimar 264
Exp
7 yrs
Really hurts me to move back to Comfort after the complete mess they made with our breakdown recovery leaving us stranded for 6 hours,
Neil did you not claim it back? We had a similar situation and got an extra £75 back :)

Recently when I changed address Comfort wanted an extra £370 for the remaining 8 months on policy. I rang them up and they lowered it by almost £200. Different underwriter now with a few less additions but its good enough for what I want. Worth an ask how much your quote would be as they don't offer unless you ask I was told.
 

dabhand

LIFE MEMBER
Feb 19, 2014
3,786
12,408
Staffs
Funster No
30,178
MH
Hymer S830 A Class
Exp
Since 1993
The policies are not like for like, so read the small print to see what’s important to you. I have also gone to comfort at a saving of £300 but if I need a green card it’s £33 a week with Comfort, and included with Safeguard. Safeguard do not give you the option to NOT have breakdown cover which I wanted as I’m with RAC Arrival

Comfort. Safeguard

Limited mileage. Unlimited mileage
Breakdown optional. Breakdown not optional
Green card extra. Green card included 365 days
Windscreen cover £3000. Windscreen cover unlimited
180 days European cover. 360 days European cover

There are other differences such as no cover if unattended for over 48 hours etc, but don’t refer to me check your policy ta.

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Apr 9, 2014
1,156
5,583
Lincs
Funster No
30,922
MH
Coachbuilt
Exp
2012
Neil did you not claim it back? We had a similar situation and got an extra £75 back :)

Recently when I changed address Comfort wanted an extra £370 for the remaining 8 months on policy. I rang them up and they lowered it by almost £200. Different underwriter now with a few less additions but its good enough for what I want. Worth an ask how much your quote would be as they don't offer unless you ask I was told.
Did a get a partial refund and a phone bill paid by RAC though, Comfort blamed RAC.

The policies are not like for like, so read the small print to see what’s important to you. I have also gone to comfort at a saving of £300 but if I need a green card it’s £33 a week with Comfort, and included with Safeguard. Safeguard do not give you the option to NOT have breakdown cover which I wanted as I’m with RAC Arrival

Comfort. Safeguard

Limited mileage. Unlimited mileage
Breakdown optional. Breakdown not optional
Green card extra. Green card included 365 days
Windscreen cover £3000. Windscreen cover unlimited
180 days European cover. 360 days European cover

There are other differences such as no cover if unattended for over 48 hours etc, but don’t refer to me check your policy ta.
Completely agree, but these change all the time i.e. Comfort can now offer 365 days foreign use.
 
Feb 16, 2013
15,689
30,487
uttoxeter
Funster No
24,713
MH
ambulance conversion
Exp
50 years
why people knock nfu i have no idea(n) i dont care either road but on ours its been around £270 for 5 years this time even though claiming for a window replacement in germany it has actually gone down £20 without even asking.
 

Fletton

Free Member
Oct 19, 2014
1,532
4,204
Lincolnshire, UK
Funster No
33,882
MH
Knaus Sky I Plus 650LG
Exp
First MoHo - April 2015
Great to see all you funsters saving money, but we have an A class windscreen replacement £4,000 Comfort Cover £1,500 love to go with them but safeguard unlimited windscreen cover! Premium £730:00

@f6c ... I’ve just had my Knaus A class screen replaced .... last Thurs 24th by Autoglass.. ( second one since new)

I’m Insured via Comfort...
10k miles pa
Max for screen stated as 4k ... and excess £75... i paid £75

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Feb 22, 2008
11,208
34,121
Norfolk
Funster No
1,575
MH
Hymer B544
Exp
Since 2004
Just got my renewal through from Safeguard £618 , but with an a class and the differences mentioned above might just pay the extra and stay .
 
Jul 29, 2013
6,936
9,291
Salisbury
Funster No
27,215
MH
Hymer B678DL A class
Exp
since 2011
I am having to leave Comfort for Safeguard as we are importing and comfort will not insure on the vin number it’s a shame as their quote for this year was only £2 up on last years.(y)
 
Jul 29, 2017
907
1,552
Fylde Coast.
Funster No
49,691
MH
Coachbuilt
Exp
Since 1985
Insurance is a bummer whoever you try to deal with. I won't knock any of them but I will happily point out difficulties e.g. NFU won't cover me because the post code not acceptable, it's a farm for goodness sake. Only Caravan Club insurance will provide me with adequate travel insurance but thats tied into European breakdown so i cant use Comforts European cover as they don't do travel cover. And so it goes on. Biggest headache of the year insurance renewal, is the cover adequate, is the price o k , is house covered when I'm away for 9 weeks and on and on. Thank goodness that having resolved all this (hopefully) we can climb aboard our trusty MH and drive off into the sunset and just worry about grey waste, A frames and being overweight.

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Tanya_and_Mick

LIFE MEMBER
Feb 12, 2015
1,461
46,640
Algorfa, Spain
Funster No
35,074
MH
Globecar 640DK
Exp
2015
Ditto on Comfort Insurance on our MoHo - Carvan & Motorhome Club was crazy, Comfort >£300 cheaper; plus no size restriction on EU breakdown cover.

No brainer and well done Comfort......
 

Lenny HB

LIFE MEMBER
Oct 18, 2007
32,489
61,885
On the coast in West Sussex
Funster No
658
MH
Hymer B678 Dynamic Line
Exp
Since 2008 & many years tugging
I have just left Comfort because they wanted an extra £50 from £315 to £365 for 2000miles increase from 4000 miles a year even though the last 6 years we have not used the mileage paid for.
Agreed not a big deal but I thought it was a cheek so said goodbye.
Did you by any chance change part way through the year?
Comfort normally charge £20-£25 to increase the mileage by 2000, if you didn't do it at renewal time but part way through the year you will also have to pay a £25 admin charge. Not just Comfort most companies do it.
 

Lenny HB

LIFE MEMBER
Oct 18, 2007
32,489
61,885
On the coast in West Sussex
Funster No
658
MH
Hymer B678 Dynamic Line
Exp
Since 2008 & many years tugging
With us Safeguard £600, Comfort £381 (8000 miles). Just done the renewal, had to declare a prang in my car premium increase this year £3, taking into account the increase in IPT the premium has actually gone down.

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Derbyshire wanderer

LIFE MEMBER
Mar 30, 2014
1,035
1,741
Derbyshire
Funster No
30,753
MH
C class
Exp
8 years
Did you by any chance change part way through the year?
Comfort normally charge £20-£25 to increase the mileage by 2000, if you didn't do it at renewal time but part way through the year you will also have to pay a £25 admin charge. Not just Comfort most companies do it.
No, this was at renewal hence why I thought they were taking the biscuit
 
May 10, 2018
15
1
Gloucester
Funster No
53,805
MH
AutoTrail Apache 634U
Exp
None - but learning fast!
Newbie question: I just got an online quote from Comfort and they gave me a price without asking which motorhome, e.g. reg number, make/model etc, I would be insuring - is this usual?

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May 10, 2018
15
1
Gloucester
Funster No
53,805
MH
AutoTrail Apache 634U
Exp
None - but learning fast!
Newbie question: I just got an online quote from Comfort and they gave me a price without asking which motorhome, e.g. reg number, make/model etc, I would be insuring - is this usual?
They just rang me - apparently it doesn't matter what moho it is, the price is as quoted..! Wow.
 
Jun 2, 2018
418
946
Beautiful North Wales border
Funster No
54,207
MH
Carado T449
Exp
Since 2015
Just bought our first motorhome - new. Spent a tedious evening entering the same details on many websites for quotes. Most were around the £350 - £450 mark.

Comfort were £245 for pretty much the same cover but with the option to exclude breakdown cover (we already have it).

A no brainer really. They also ask fewer questions on the form and the odd SP30 didn't make a difference. I guess because they are underwritten by Aviva they can spread their risk more sensibly across a larger customer base than some of the smaller specialist insurers.

What really surprised me were the extremely high premiums £650ish) via club websites.
 
Jan 31, 2016
1,108
583
Halifax
Funster No
41,522
MH
A Class Rapido 9097F
Exp
June 2016
Great to see all you funsters saving money, but we have an A class windscreen replacement £4,000 Comfort Cover £1,500 love to go with them but safeguard unlimited windscreen cover! Premium £730:00
Comfort is 3k for windscreen
Should be enough for a standard a class

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