Full timers insurance

Discussion in 'Motorhome Insurance General Discussion' started by monzer, Sep 16, 2018.

  1. monzer

    monzer Funster

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    I said I would do a bit of digging for my Aunty and her partner who are currently in Spain somewhere in their van. They lived in Murcia for a while but sold up and have been in their van ever since. She is now asking for info about insurance for full time living in van.

    I've picked up bits and pieces from the various threads on here but still haven't quite got the whole picture.

    As far as I know it will just be Spain they are travelling in. It is a UK registered van but not sure of the age. Now they have sold their Spanish property I am guessing they don't have a residence for mailing etc.

    Can anyone help me with the basics so I can pass any info on?
     
  2. shawn&emma

    shawn&emma Funster

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    There will be plenty of others come along with info for you. It is a bit of a minefield and they would need an address in the uk. We are registered at a family members address and use that for all our documentation/legal stuff. Full time insurance is only offered by a couple of companies, many offer 365 day cover which people confuse with full time but it is totally different so you have to be very careful. Some insurance companies require you to be on the electoral roll as well and also see proof of address, utility bills etc.

    I'm guessing the van is registered to a Uk address and has Uk mot up to date which would be required.
     
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  3. monzer

    monzer Funster

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    Thanks @shawn&emma

    So do you know what the difference is between the 365 day cover and actual full timing insurance?

    That's a good point about their van being registered in UK. I remember they returned to the UK to buy the van so I presume they used a relatives address here for the registration purposes. I will have to check.

    Any more info would be gratefully received.
     
  4. maz

    maz Funster

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    There is only one underwriter for ‘proper’ full timing insurance and that is Aviva. I believe there are three brokers which offer this insurance - Comfort, AIB and maybe Adrian Flux. I full time and am insured via Comfort. Basically, if you do not have a bricks-and-mortar residence that you can prove you actually live in (as opposed to renting out to other people), then you need fulltiming insurance. If you only have 365 day touring insurance and you need to make a claim, then if you cannot prove you have an actual residence your claim may well be rejected,
     
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  5. monzer

    monzer Funster

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    @maz

    Thanks for that. So is there a fair bit of difference, price wise, between the 365 touring cover and the actual full time living in van cover? Do you mind if I ask a for a rough idea of price for the kind of insurance you have?
     
  6. gus-lopez

    gus-lopez Funster

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    Plenty of spanish companies will legally insure UK registered vehicles through UK based intermediaries. Might beworth asking as the requirements would usually be far less arduous.
     
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  7. shawn&emma

    shawn&emma Funster

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    Thanks @maz you explained the 365 day better than I could have.

    @monzer We paid around £1200 per year for our full time insurance. That was for an american van though, when we changed the insurance due to being in a house for a couple of years whilst working the price came down to about £400.
     
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  8. maz

    maz Funster

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    Fulltiming cover will be considerably more expensive than normal touring cover. I’ve only ever fulltimed (went straight to living in a van from the word go) so don’t have any direct comparison, but think it’s probably between 2 and 3 times more expensive. Bizarrely, even though you’re fulltiming, the premium will be based on the postcode of the address you use on your V5. My premium this year with Comfort was £1020. That is based on a 2016 van valued at £65k, with a Strikeback alarm, reversing camera and unlimited mileage ....... and a Romsey postcode. If I’d used a Wigan postcode it would have been hundreds more. Ludicrous when you consider the van will not be parked at either Romsey or Wigan ...... but that’s just the way it goes. o_O
     
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  9. monzer

    monzer Funster

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    Thanks guys. I've passed on the info from here. Mum said that they used their Murcia address when they bought the van over here but obviously aren't living there anymore. I have recommended their best option will be to try AIB, Comfort etc for full timing insurance cover.

    They are quite capable of getting their finger out and figuring out the rest themselves.

    Hopefully someone will buy my flat soon and I will be getting myself some full timing insurance next! :D2
     
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  10. monzer

    monzer Funster

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    So thought I'd put a little update on this....

    Turns out my Aunty and her partner have realised they have been travelling around the UK, France and Spain for the best part of a year with out proper insurance. They have turned up in Edinburgh to hopefully sort it out.

    Anyone who walks on Portobello beach will probably see them. They will be the clueless looking couple having a smoke.

    Seems they are trying to convince my mum to let them park on her drive and hook up till they get the van sold. Mum isn't so happy and is currently trying to think of a water tight excuse to not let them :LOL: Me and my sister of course think this is hilarious.

    I have tried to point out that if my Aunty gets her self a UK address, which shouldn't be hard as most family are here, she should be able to get a basic policy which should give them maybe 6 months Euro cover which would have done them until they got something more permanent.

    Off for now, out to buy the popcorn!
     
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  11. monzer

    monzer Funster

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    OK this is rumbling on a bit now and I have been dragged in to it to see if I can help. Turns out both my Aunty and her partner have Spanish residency so can't get insured by Brit companies. @gus-lopez you pointed out that there are some Spanish companies that will insure Brit reg vehicles. Have you any numbers for their intermediaries that I can pass on?
     
  12. Blue Knight

    Blue Knight Funster

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    I'm now intrigued about the technical side of this scenario.

    Gus @gus-lopez, how can someone have Spanish residency and yet their vehicle is still legally registered in the UK.

    Thanks good mate,;)

    Andrew
     
  13. shawn&emma

    shawn&emma Funster

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    I had a quote from this company a couple of years ago who would insure a uk registered vehicle in Portugal. Cant remember all the details but heres the link.

    www.abbeygateportugal.com/index.html
     
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  14. Linda18

    Linda18 Funster

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    Comfort Insurance are now offering advice etc about full timing in a van and also insurance.
     
  15. gus-lopez

    gus-lopez Funster

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    Liberty Seguros is one.
    https://www.libertyexpatriates.es/?...MIkb2RhN_03QIVbSjTCh0NkwQlEAAYASAAEgIcg_D_BwE

    These advertise that any UK vehicle they insure is notified to the dvla & MID Tuesday/Fridays every week.

    Abbeygate , which is a UK company provide it
    http://www.abbeygateinsure.com/?gclid=EAIaIQobChMI6LCIwuH03QIVRhbTCh0cfw6FEAAYAiAAEgJ99PD_BwE

    Linea Directa ,I think do provide it.
    https://coches.lineadirecta.com/car...gclsrc=aw.ds&dclid=CNTD6N_h9N0CFYPV1Qodwa4EdA


    & Mapfre used to;
    https://segurosmapfre.mapfre.es/?se...VxCnTCh3p_wA5EAAYASAAEgIQHfD_BwE&gclsrc=aw.ds

    If they are spanish residents then they are illegally driving the vehicle when in spain if it is UK registered..

    Well they can, it is a whole can of worms ,what isn't legal is them driving it in spain :
    A resident of a country, whether a national or foreign permanent,can only drive a vehicle registered in that country.
    When the resident is out of the country he/she can legally own & drive a vehicle registered in any other country.
    It was basically brought in to stop Vat evasion/buying in a cheaper state/running on foreign plates. Like many other eu directives no thought was actually given to how any interact with others.

    So whilst I can only drive a spanish vehicle here once out of spain I can drive anything. Problem for me is that if I wish to buy a lhd in the UK no one there , as your aunt/uncle have found out, will insure me as I am not a resident. Yes I can buy in other EU states , as a non.resident & obtain insurance, ,even if it is only to export the vehicle.
     
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