Hi, I insure my 2008 Bessacarr 765P with Caravan Guard at £372 including UK and European breakdown cover. Mileage quoted at 5,000 pa. Insured value £35k
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thanks mike... its coming up to that time so ill ring round .. like you currently with campton..We insure with a company called Campton . They are charging me £221.99. for a year but they will not cover EU because my van is over 20 years old. but I get it covered by SAGA for £160. And then cancel it when we get back. We get over £100 back when we cancel. Please try them @andy63
I though we were still in the EU a free marketplace, obviously some insurance companies don't know that.
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£70 cheaper for me at AIB,
Keep shopping is my advice
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Could someone please explain what this quote means.£70 cheaper for me at AIB, properly underwritten (not boiler plate Aviva) policy, the policy wording is inconsistent with their advertising
Keep shopping is my advice
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Could someone please explain what this quote means.
Yes they do do that, they also said that for the new van price would be the same, just gone back to them (used someone else to import the van) they wanted £90 more they said the same price only applied for 30 days, didn't have that problem last time but they were still cheaper than anyone else so can't really complain and the van is quite a bit more expensive than the last one.An interesting question, Melvin. I don't know what @pyro was getting at so hopefully he will post again on this thread.
Currently waiting for a collection date for my new PVC, so I cancelled the Comfort policy having just sold my old Westy. They will waive the £25 refund admin fee if the balance of premium is used as a credit for the new policy.
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Could someone please explain what this quote means.
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When I spoke to Comfort on Thursday they said when away from home and you want to leave your Motorhome unattended for more than 48 hours you just need to inform us.It means that Comfort only offer an inflexible boiler plate policy for M/H's for a single insurer (I believe it is Aviva, but I stand to be corrected). In itself it is probably a fine policy, but has a number of limitations including certain restrictions on usage (e.g. despite advertising 365 days EU cover, it was not made clear that this cover only applied as long as the vehicle was never left unoccupied for more than 36 hours, whatever the circumstances).
I asked the question "what happens if you are hospitalised following an accident" and was told that insurance would be cancelled once one or both of us had been absent from your M/H for more than 36 hours. Same if we broke down. I then asked "what would happen if I decided to spend the occasional weekend in a hotel with the M/H locked up in a secured compound". I was told in (to my mind) rather rudely and certainly ridiculously that one of us would "have to remain in the M/H after the first 36 hours were up, as our annual insurance would otherwise be cancelled". Comfort explained that there were absolutely no exceptions, and they could not alter the terms of the single policy they were offering. In effect, they were not acting as independent brokers, but selling a single policy.
I then approached various other insurers, of which AIB was one. I explained what we wanted, they then checked with their underwriters and came back to us with a far better policy tailored to our specific requirements for £70 less in premiums. And this policy covers us for leaving the vehicle unoccupied at our second home for up to 6 months in any 12, so it is perfect.
My advice is to carefully review your needs, look at the details of the cover that is offered before parting with any money, and then shop around. What is not to understand?
(I will not be commenting further regarding Comfort, as I am contemplating issuing proceedings)
Of course the policy details may have changed, and/or it may well have been 48 and not 36 hours, but that doesn't fit in with the misleading claim that they offer "365 days EU cover".When I spoke to Comfort on Thursday they said when away from home and you want to leave your Motorhome unattended for more than 48 hours you just need to inform us.
ABI just wanted silly money nearly £900, they added well over a 100% to the premium because it was self-import.
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I'm with them too at the moment but there is one thing to be aware of regardless of how cheap they are.
As I'm sure most people know their policies are underwritten by Aviva. No problem with that in itself.
The problem arises if you need to make a claim. The claim number Comfort publish to call is one that goes directly to the main Aviva call centre. Comfort themselves refuse to get involved with, or even speak to you about, a claim unless there's a third party involved whom they can charge some costs to.
For any other claim, in my case it was when my keys were stolen, you have to deal directly with the Aviva main call centre. You will more than likely find that you end up having to talk to some minimum wage semi coherent teenager who doesn't even know what a motorhome is never mind how to process an insurance claim on one.
In the end it was so painful trying to explain to them what they needed to do I cancelled the claim completely and sorted out, and paid for, the various jobs myself. I would have lost the will to live otherwise.
As with everything price isn't the be all and end all. When it's renewal time this year I'm going to be talking to the brokers about their claims procedures and underwriters before I make a decision.
I remember the year they hiked prices and stopped taking new rv business.I was with NFU for many years .. then they hiked the price to a point where I said enough was enough.. it almost doubled in one year.. great company.. but expensive..
we only know how good an insurance company is when we make a claim.. a bit like a fire extinguisher..
For balance.. some Comfort Insurance reviews..
http://forums.outandaboutlive.co.uk.../Motorhome-Insurance-Comfort-Insurance/23747/
http://www.caravanclub.co.uk/commun...ome-insurance-by-Comfort-Insurance/rt/959727/
£70 cheaper for me at AIB, properly underwritten (not boiler plate Aviva) policy, the policy wording is inconsistent with their advertising
Keep shopping is my advice
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Their email support wasn't good, and they made a mistake on the first policy document (quickly rectified). But always remember the statutory cancellation periodMy problem with AIB has always been their well documented refusal to send a detailed written quotation, or indeed put anything in writing, before you buy the policy. That's enough for me to have never given them a chance to quote purely because I can't be bothered with faffing around cancelling the policy and starting again if/when it turns out that their cover isn't what they claimed it would be.
It's always seemed to me to be a rather shoddy crude pressure selling tactic.
If someone can tell me that they've changed their business methods and will now quote properly in writing I might give them a try next time, if not I don't care how cheap they are they won't be getting my business.
Their email support wasn't good, and they made a mistake on the first policy document (quickly rectified). But always remember the statutory cancellation period
I suspect all the brokers are terrified that you'll take their quotes and circulate them to their competitors to get the prices lower.
I spent the other day phoning round...7 different companies.
Comfort were the most expensive... In fact didn't even phone me back with the quote...When I phoned them to find out what it was I understood why they hadn't bothered... £862.81
The cheapest I got was £463.60.. Both include breakdown cover... Just busy checking to see if there are any nasty little surprises in their terms before making up my mind..
Andy
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I am no fan of Safeguard after last weeks experience. I insured the new van with them, on the 21st April I had a call from them chasing me and they said you have until the 4th May to give us the registration number (waiting on DVLA) 24th for prove of your no claims. On 27th received a refund to our bank account of a partial refund from them when I phoned them they said the policy was canceled on the 24th as you hadn't provided proof of no claims. The phone call gave the impression it was the 24th May they wanted proof by, they had canceled the policy without informing and we had been uninsured for 3 days without knowing, we did receive a letter the following day. A company I will never do business with again and I will be making a formal complaint.Agree with you there all along, also had the same experience with Safeguard, a claim where the 'culprit' admitted fault, gave me all his details and also his his Insurance claim number but Safeguard denied all knowledge of claim and had to deal with Swinton (their underwriters) which then made it a different claim. A nightmare which took 10 months all for £650 worth of damage. Be aware of the so called specialist Motorhome insurers.
I don't trust any of them, to be honest, brokers, insurance companies, the whole lot, they're all parasites.I know there is a statutory cancellation period, I can't be doing with the faffing around though. I'd rather pay more and have it right first time.
I remember a thread on here a couple of years ago where AIB had allegedly matched somebody else's quote "like for like" only once the policy documents arrived several key elements of the cover had been significantly reduced. That suggests to me that they can't be trusted enough to deal with them solely over the phone.
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