WSandME
Free Member
What a day I've had getting quotes
# Numerous dead-ends for high premiums.
# Some ridiculous quotes of over £1000.
# Some confusion as to who I was dealing with. Why two different icons? (BTW the difference in price turned out to be breakdown cover - not obvious from the display):
# Refusal - SAGA - as "not built for UK market" (LHD imported from Belgium IIRC).
# Unbelievable T&Cs in Aviva Policy document. E.g.:
Section XI
Replacement locks
If the ignition keys of your motorhome are lost or stolen we will pay for the cost of replacing:
● the door locks and/or boot lock
● the ignition/steering lock
● the lock transmitter and central locking interface;
provided that you can establish to our satisfaction that the identity or garaging address of your motorhome is known to any person who is in possession of your keys or transmitter.
But here's the rub:
I have now accepted a quote, via Comfort, using ERS as insurer, for £294.40.
This is in comparison to my renewal quote from Club Care - again using ERS - of £857.20 (last year £470.84).
OK, new quote doesn't include breakdown (£73), and I've reduced annual mileage from 15,000 to 10,000.
But - now allows me 180 days continuous in EU (vs. 90 days total), and excess reduced from £550 to £400.
NB! This is from the same insurer.
Club Care, when approached, said the price hike was because they "had changed their insurer, which had instigated a new pricing structure"
Even getting quotes from Comfort was fraught - depending on how I reached them. Via Gocompare got one set of quotes, but a totally different set via ASDA. Comfort tell me that depending on how they are contacted they offer a different panel of insurers: Gocompare or direct gets you Aviva, ASDA gets you ERS! After the first session online, I received at least three calls from Comfort while I was still looking at the online system. Later their system gave up the ghost just as I was about to commit to buying (it showed the same price for both with and without breakdown cover, and wouldn't update), so I phoned them - only to speak to an operative who'd called me earlier. After ten minutes going through the application the line went dead. It took yet another call to complete the purchase.
I'm exhausted and not a little angry at the process.
# Numerous dead-ends for high premiums.
# Some ridiculous quotes of over £1000.
# Some confusion as to who I was dealing with. Why two different icons? (BTW the difference in price turned out to be breakdown cover - not obvious from the display):
# Refusal - SAGA - as "not built for UK market" (LHD imported from Belgium IIRC).
# Unbelievable T&Cs in Aviva Policy document. E.g.:
Section XI
Replacement locks
If the ignition keys of your motorhome are lost or stolen we will pay for the cost of replacing:
● the door locks and/or boot lock
● the ignition/steering lock
● the lock transmitter and central locking interface;
provided that you can establish to our satisfaction that the identity or garaging address of your motorhome is known to any person who is in possession of your keys or transmitter.
But here's the rub:
I have now accepted a quote, via Comfort, using ERS as insurer, for £294.40.
This is in comparison to my renewal quote from Club Care - again using ERS - of £857.20 (last year £470.84).
OK, new quote doesn't include breakdown (£73), and I've reduced annual mileage from 15,000 to 10,000.
But - now allows me 180 days continuous in EU (vs. 90 days total), and excess reduced from £550 to £400.
NB! This is from the same insurer.
Club Care, when approached, said the price hike was because they "had changed their insurer, which had instigated a new pricing structure"
Even getting quotes from Comfort was fraught - depending on how I reached them. Via Gocompare got one set of quotes, but a totally different set via ASDA. Comfort tell me that depending on how they are contacted they offer a different panel of insurers: Gocompare or direct gets you Aviva, ASDA gets you ERS! After the first session online, I received at least three calls from Comfort while I was still looking at the online system. Later their system gave up the ghost just as I was about to commit to buying (it showed the same price for both with and without breakdown cover, and wouldn't update), so I phoned them - only to speak to an operative who'd called me earlier. After ten minutes going through the application the line went dead. It took yet another call to complete the purchase.
I'm exhausted and not a little angry at the process.