Cost differences are ridiculous! (1 Viewer)

Jun 19, 2018
150
103
Perth Scotland
Funster No
54,496
MH
Frankia A Class
Exp
Newbie
We are close to getting our new motorhome now and I have started in earnest looking for the best insurance cover for us and the cost variation is ridiculous. I have had quotes for exactly the same vehicle and cover ranging from under £350 to over £1200. Can anyone give me a straightforward opinion of their insurance company choice. We have no need for either UK or European breakdown cover. Thanks.
 

Gellyneck

LIFE MEMBER
Jun 5, 2014
9,512
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Scotland
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More than toes wet now!
Cheapest for us over the last few years has been C&MC. Never had to claim during this period so how they perform is an unknown however there are a number of positive reviews of claims management.
Breakdown cover is independently through ADAC.
 
Feb 22, 2011
9,994
20,658
Newcastle under Lyme
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15,397
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Hymer B544 A Class
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Since 2015
Motor insurance is a dark art that few of us understand.
It all depends on your profile.
AIB underwritten by markerstudy for me but I've never had a claim. Online reviews are not great but I ignore them :whistle:
 
Jan 31, 2016
1,117
606
Halifax
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41,522
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A Class Rapido 9097F
Exp
June 2016
Just make sure it's a proper motorhome policy and not a car policy. It's not all about price you need to review the covers given also. Like you say some inc breakdown some EU cover. So have limited cover for contents, charge extra so audio and sat equipment etc it
By you comparing price you ain't comparing like for like.
Cheapest is not always the best however the most expensive ain't always the best also.
You need to ensure the policy meets your requirements.
And as pointed out depending on age, location, vehicle etc. That price will change from company to company from individual to individual
No two quotes will be the same for anyone.
It's the same with car insurance price ranges are massive depends.
We are with Comfort decent price, good cover and excellent claims service.

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Abacist

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Oct 15, 2013
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Devon
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since 2013
If your motorhome is a new additional vehicle one factor will be a lack of available no claims discount! When we started Caravanguard were best then they increased their price so we then went with Comfort. Not interested in insuring our Niesmann & Bischoff so we moved to the NFU. As has been said make sure the cover is right first and then and only then check the price. By the way you should be able to get an introductory 25% off if you have other insurances with No Claims Discount to get you started.
 

M-J

Jan 15, 2019
2,689
6,385
Cambridgeshire, UK
Funster No
58,012
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Rapido 986F
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Getting there!
Comfort by far the cheapest for us.

We compared only cover that was similar from MH specialists.
 

sdc77

Free Member
Jan 28, 2013
3,244
4,550
Weardale, Co Durham
Funster No
24,456
MH
Coachbuilt
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since 2011
We've been with several companies but are currently with NFU due to their legendary service.
 
OP
OP
Alex and Lesley
Jun 19, 2018
150
103
Perth Scotland
Funster No
54,496
MH
Frankia A Class
Exp
Newbie
Thanks to you all for your help, I committed today to NFU as @Abacist and @sdc77 have intimated they were genuinely interested as well as very knowledgeable and they also came recommended by SMC the supplying dealer, appears to be very good cover and a really good price especially compared to others who were nearly 4 times the price. One thing I had been very alert to was the windscreen cover, with NFU I can choose to use my own windscreen fitter and it is only £20 extra on the excess.

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Mar 23, 2012
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sleights
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1
You need to shop around each set of details will probably come up with a different insurer
 

MikeD

Free Member
Dec 21, 2011
3,936
3,697
London
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IH PVC
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Since 2012
Cheapest for us over the last few years has been C&MC. Never had to claim during this period so how they perform is an unknown however there are a number of positive reviews of claims management.
Breakdown cover is independently through ADAC.

C&MC at our renewal (even though they had covered the van since new) said we had to have a tracker as its value was over £50k. We are with Saga now. (y)
 

Lenny HB

LIFE MEMBER
Oct 18, 2007
54,165
153,030
On the coast in West Sussex
Funster No
658
MH
Hymer B678 DL
Exp
Since 2008 & many years tugging
Been with Comfort for years, year on year price hardly increases, for us much cheaper than anyone else.
Comfort operate a net policy so no NCD to worry about & breakdown cover is optional so if you don't need it you don't pay for it.
 
Jan 3, 2017
216
122
Huntly
Funster No
46,720
MH
Frankia i640 SD
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Since 2004
Motor insurance is a dark art that few of us understand.
It all depends on your profile.
AIB underwritten by markerstudy for me but I've never had a claim. Online reviews are not great but I ignore them :whistle:
Phoned them today, but I had to have Category 6 tracker fitted to get insurance. Have a tracker but not to that spec. It did get my attention when you could travel for nine months in Europe with them , for no surcharge. Not needing it now, so the search goes on.

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