Comfort v NFU £££££££ (1 Viewer)

[Nigel Crompton]

Downsizing from 2014 4500Kg A Class to 500Kg 2015 'low profile'

Current A Class policy with Comfort just shy of £600 including breakdown cover and 8000miles/EU365

Quotes for the new vehicle:
Comfort £97 refund.
NFU, newpolicy, 12 months, 8kmiles NO breakdown £1067

Just sayin' ..

 

[Pausim]

NFU on 2015 A Class less than £300. NFU can be very postcode sensitive.

 

[Theonlysue]

Did you try aib southampton?
Same underlying aviva policy.

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[M-J]

Comfort were very good for us

NFU wouldn’t quote or postcode, apparently they favour rural and farming areas, we are in Peterborough and although not rural our surrounding areas are mostly farming!

 

[Pausim]

Comfort were very good for us

NFU wouldn’t quote or postcode, apparently they favour rural and farming areas, we are in Peterborough and although not rural our surrounding areas are mostly farming!

The NFU insurance offices are franchised and some of them do not seem to want to be bothered with motorhomes. The Brockenhurst office were very helpful and came up with the cheapest price.

 

[dshague]

comfort for us this year .

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[BreweryDave]

SAGA for me this year ( after 8 years with Comfort), 365 eu cover, no time limits, no single trip limits, full U.K./eu breakdown and recovery............£319

( on a 2012 PVC)

 

[jongood]

Saga best quot e every time for us. And reasonable green card cost.

Jon

 

[Neckender]

Renewal for our 2017 Globecar Campscout £539 with Safeguard, quote off Comfort £339 so I’ve gone with Comfort this time.

John.

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[Crazylegs]

Just gone through this process today, 1996 Hymer, comprehensive cover, full ncd, no accidents or fines.
NFU £513 inc uk breakdown
Comfort £335 no breakdown
C and CC £288 no breakdown

 

[MichaelT]

When we first got hte MH we shopped around and Safegaurd was 2nd cheapest, Comforst Cheapest (both around £350) but NFU wanted 800-900!!. Didn't bother looking at them 2nd year.
We took Safeguard because A. They were not NU/Aviva & B. Safegurd had better cover for us with a new van with no mileage restrictions.

 

[M-J]

Just tried safeguard, they offered me insurance via highway for over £550

A plan quoted me earlier this week also via highway for £355

Comfort offering the same cover via aviva for £320

All of the quotes include breakdown

Any feedback Highway vs Aviva?

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[Pausim]

When I was looking I noticed the Aviva policy had a clause about the insurance not covering incidents when the driver was over the legal alchohol limit for the Country. Obviously none of us should drink and drive but it made me wonder how keen they were to find loopholes to avoid paying out.

 

[ramsthom]

Been with Safeguard for 5 years. Renewal this year had increased from £380 to £467 for ncd protection and UK / EU breakdown. Went with ABI for £359 for same cover except only 6000 miles. Safeguard would not reduce the price.

 

[M-J]

When I was looking I noticed the Aviva policy had a clause about the insurance not covering incidents when the driver was over the legal alchohol limit for the Country. Obviously none of us should drink and drive but it made me wonder how keen they were to find loopholes to avoid paying out.

Same with any vehicle insurance

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[Pausim]

Same with any vehicle insurance

Is it? I haven’t seen a similar clause in my NFU policy, must take a closer look. I’m not particularly worried because I am careful not to drink and drive, just hadn’t noticed such a clause before.

 

[M-J]

If you’re over the limit you are driving illegally thus invalidating your insurance.

 

[Pausim]

If you’re over the limit you are driving illegally thus invalidating your insurance.

Not heard that one before or seen anything about it in my policy. So everyone who drives at over 70 on the motorway, which is illegal but very common, has invalidated their insurance. The Police often prosecute after accidents but I have never heard that because of this the insurance was invalid. Oh, and why would Aviva put in a clause about drink limits if it was covered anyway.

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[M-J]

The 3rd party bit would still pay out but insurers are likely to try and recover it from you.

 

[Pausim]

The 3rd party bit would still pay out but insurers are likely to try and recover it from you.

You have a duty of care and yes, if you recklessly cause a forseeable accident they might start looking for loopholes on the non third party bit. However I don’t agree with you that driving illegally invalidates your insurance.

 

[M-J]

Have an accident + convicted of an offence (drink driving, dangerous driving etc) this is likely to be the case.

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[Pausim]

Have an accident + convicted of an offence (drink driving, dangerous driving etc) this is likely to be the case.

How does this work if a lorry driver writes of an expensive vehicle and is found guilty of dangerous driving, is his employer left out of pocket?

 

[M-J]

The insurer would pay and then recover costs from the driver and/or employer.

The employer could do the same with the driver.

 

[Pausim]

I am surprised all this is not more widely reported.

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[Cockers]

Just had my renewal from NFU £80 more expensive than Comfort and Comfort offer brakedown cover. All the reviews I’ve read about Comfort have been good so I’m giving them a try this year

 

[sonny]

When I was looking I noticed the Aviva policy had a clause about the insurance not covering incidents when the driver was over the legal alchohol limit for the Country. Obviously none of us should drink and drive but it made me wonder how keen they were to find loopholes to avoid paying out.

Hardly a loophole

 

[Pausim]

Hardly a loophole

Yes, loophole was probably the wrong word.

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[Theonlysue]

It's the morning after the night before.
Who really knows if their alcohol blood level is ok, unless you dont drink at all??
I know someone who lost their licence for a year, caused by 500ml of belgium beer on an empty stomach.

 

[gus-lopez]

Same with any vehicle insurance

In the UK.

 

[DerryW]

Highway are part of Liverpool Victoria. C&MHC use Highway for their policies.

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