fulltiming insurance (1 Viewer)

[ianandkath]

what price do you pay for your insurance. i pay £555 and that includes 190 days full time, i will need 365 days

 

[BreweryDave]

Minefield!
But, there is only one true FT policy ( where you have no actual home) and that is through aviva. Call Comfort for a quote, that's the best place for a proper FT policy, trust me, been doing it for years and looking for alternatives but there ain't any if you want to be 100% legit.

 

[Welsh girl]

We pay £720 without breakdown,that was an extra £60 if I wanted it but decided to go with ADAC this year.
Comfort is the only one I know to do it.
That's with 365 days european cover.

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[olley]

When we fulltimed a few years ago, it was £1800 a year, £780 inc breakdown seems very cheap, I wonder if they have reduced their prices?

 

[El-Nido]

I've not used them, but you may also want to consider Safeguard, particularly as their policy comes with unlimited mileage as standard, which would seem a good thing for anyone full-timing.

 

[Welsh girl]

When we fulltimed a few years ago, it was £1800 a year, £780 inc breakdown seems very cheap, I wonder if they have reduced their prices?

I think it depends on the van you have?

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[Welsh girl]

I've not used them, but you may also want to consider Safeguard, particularly as their policy comes with unlimited mileage as standard, which would seem a good thing for anyone full-timing.

I didn't know anyone else to do the full time cover?

 

[BreweryDave]

There is no one else! Only Aviva. There are other policies that allow 365 touring BUT you must retain a home.

 

[olley]

Some say 365 touring but only allow 180 days at a time.

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[C+C]

We are with Aviva through Comfort but can only get 9 months a year because we have a van conversion? Don't ask why, Comfort didn't know

 

[NomadicDad]

Hi all. New here as we are looking to join the full timing world with our 3 kids whilst renting out our permanent home in the UK but the motorhome we were interested in was a 2005 and Comfort said they won't insure motorhomes over 10 years old

Are any of you full timers in 10+ year old motorhomes?

Safeguard who I also found via this forum are no good due to us renting the house out

 

[C+C]

We are also renting out our house but contacted local council, Gosport, who sent us a form showing us on the Electoral Roll, the tenants add their names and return to the council we are all registered at the same address. Worth speaking to your council.

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[NomadicDad]

We are also renting out our house but contacted local council, Gosport, who sent us a form showing us on the Electoral Roll, the tenants add their names and return to the council we are all registered at the same address. Worth speaking to your council.

Ok so that meant you were able to use Safeguard even if away for 11 months at a time?

Anyone else had an issue with the age of their motorhome for such polices?

Thanks

 

[ROB1CHELSEA1]

Due Jan 9th Comfort have upped my fulltimers insurance from £705 to £830

 

[Theonlysue]

AIB in Southampton do a fulltiming policy with aviva.
I had a long conversation with them and will contact them again when renewal due in December. They came up with quite a competitive premium but I need to check cover. @BreweryDave

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[BreweryDave]

AIB in Southampton do a fulltiming policy with aviva.
I had a long conversation with them and will contact them again when renewal due in December. They came up with quite a competitive premium but I need to check cover. @BreweryDave

It's the same Aviva Horizon policy just through a different broker. Check if aib include breakdown and recovery as comfort do.
My ft policy was £1540. Unlimited mileage and 365 eu cover.

 

[Linda18]

I don't full time yet but pay £400 a year, by installments, with Caravan Guard. Gives me GB (used twice) and European breakdown (used once) and 8 months abroad. I am unsure how anyone can get away with full timing as seem to need an address in GB for som many things. I used my dads address when I full timed for 10 months once.

Also my motorhome is 13 years old now and I checked with them about the age of my vehice and there isn't a limit. Caravan and Motorhome Club wanted £215 for 9 weeks abroad and don't cover a van over 15 years of age.

Just completed an on line form for Comfort Insurance for 365 days cover with all breakdowns. Came to £408 paid up front. There is a note that full timing can be quoted for.

 

[Easyliving]

Our full time policy via Comfort was £820 - not got the renewal quote for April 2018 yet. at @BreweryDave says there is only one 'proper' full time policy and that is from Aviva.

As far as I know Comfort and AIB are the only brokers selling the policy.

If you can prove you are on the voters list you might be able to save a few quid by insuring with a different broker. Knowing how keen insurance companies are to avoid paying out you have to ask yourself if its worth the risk though.

Paul

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[BreweryDave]

But what you lose if you don't declare ain't worth it. Just my opinion

 

[NomadicDad]

I'm about to cancel our standard policy and take out a full time cover as we leave the UK on 8th May and Comfort seems to be the best based on opinions here as you get full breakdown / recovery too yes?

 

[BreweryDave]

Yes. And unlimited mileage.

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[Hilewaychile]

There is no one else! Only Aviva. There are other policies that allow 365 touring BUT you must retain a home.

What constitutes "retaining a home" ? I do not own a UK property and I pay no rent or bills where I live when the wheels stop turning. I am fortunate to be "the mad uncle in the attic" at a country house owned by a friend, whose main home is in London. I have what used to be the tack room of stables to store stuff. I have pots and pans in the kitchen that everybody else has the use of, if they wish. My address for my UK bank a/c, HMRC, NHS, Scottish Wids, DVLA, Uncle Tom Cobbley an' all, is at this property. I am registered as a patient at the local NHS clinic.

I did explain my position to some commercial institution which wanted to know if I was an owner/occupier, tenant or whatever. When I described the above, there was a laugh at the other end and we went on filling in the forms ...

Someone once suggested a rent book with £1 p.w./p.m/p.a. But whose to say that this is not where I live, when I am there, not being at the time a definite vistor, or tourist, elsewhere?

 

[BreweryDave]

What constitutes "retaining a home" ? I do not own a UK property and I pay no rent or bills where I live when the wheels stop turning. I am fortunate to be "the mad uncle in the attic" at a country house owned by a friend, whose main home is in London. I have what used to be the tack room of stables to store stuff. I have pots and pans in the kitchen that everybody else has the use of, if they wish. My address for my UK bank a/c, HMRC, NHS, Scottish Wids, DVLA, Uncle Tom Cobbley an' all, is at this property. I am registered as a patient at the local NHS clinic.

I did explain my position to some commercial institution which wanted to know if I was an owner/occupier, tenant or whatever. When I described the above, there was a laugh at the other end and we went on filling in the forms ...

Someone once suggested a rent book with £1 p.w./p.m/p.a. But whose to say that this is not where I live, when I am there, not being at the time a definite vistor, or tourist, elsewhere?

Simple really. Do you live there, or do you live in your van 365. ( or I believe technically it’s for more than 9 months per year)
If asked, can you PROVE that you live there and not in your van 365.
Best course of action is to be honest with the insurance company, explain your circumstances, and if they accept it then you’ll be fine.
I explain that we own a house, we are on the electoral role, but it’s rented out, I have no utility bills or proof that we live there ( because we dont) but we could return there if neccesary, or could say we live with parents, but at the end of the day that’s bending the rules, which many are happy to do, no problem, but in the event of a claim if you haven’t been honest they the insurance company can get out of paying you, which is after all why you buy it! Personally I’ll pay the required premium to ensure I’ve got what Ive paid for.

 

[Hilewaychile]

I don't live in my van 365. I live at this property [as I said] "when the wheels stop turning". I don't own it. I don't rent it. I pay no bills. But it is UK home as far as all the institutions I listed are concerned - and as far as I am concerned and as long as my friend is happy to allow me to do so.

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[NomadicDad]

We will be paying a broadband bill for our tenants and we own the house BUT we will be coming off the council tax and everything else so don't think we can honestly claim we still 'live' there hence why going for full timing policy too.

 

[BreweryDave]

All I can advise is to declare your circumstances truthfully to your insurance company and see what they say.