Grove & Dean - is this normal?

Dec 8, 2020
37
50
Funster No
78,392
MH
Coach built
Exp
Newbie
End of our first year with them and renewal received. We have received two renewals emails/docs - one for insurance and a separate (£75) one for Excess protection. Wasn't even aware that I had taken out Excess protection. Never seen it before issued as two separate policies and renewals - is this the norm?
 
Feb 22, 2011
6,009
8,745
Newcastle under Lyme
Funster No
15,397
MH
Hymer B544 A Class
Exp
Since 2015
£75 seems a lot just to protect your excess ? How much is the excess ?
Have a careful read of t&C's and decided if it's justified.

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Feb 14, 2021
497
548
Milton Keynes, UK
Funster No
79,219
MH
Burstner Lyseo 727G
Exp
Newbie (experienced Canal boater though!)
Not seen that as an option on car/MH insurance before...I have used excess insurance on hire cars. Usually they are about £40 for a annual policy.
 
OP
S
Dec 8, 2020
37
50
Funster No
78,392
MH
Coach built
Exp
Newbie
Voluntary & Compulsory Excess is £500 so £75 does seem on the high end for XS protection. Will be getting some alternate quotes before speaking with them.
 
OP
S
Dec 8, 2020
37
50
Funster No
78,392
MH
Coach built
Exp
Newbie
They are a broker. Last year (my first) was £313 + £75 XS protection. Renewal is £258 + £75 XS protection. Both include breakdown.

First year was with 0 NCD and renewal has 1 year NCD.

Having now checked a few other quotes I'm pretty happy with the renewal figure although I may drop the XS protection this year.
 
Feb 16, 2013
15,851
31,508
uttoxeter
Funster No
24,713
MH
ambulance conversion
Exp
50 years
They are a broker. Last year (my first) was £313 + £75 XS protection. Renewal is £258 + £75 XS protection. Both include breakdown.

First year was with 0 NCD and renewal has 1 year NCD.

Having now checked a few other quotes I'm pretty happy with the renewal figure although I may drop the XS protection this year.
Havnt a clue what this excess thing is but even so if it's including breakdown it seems very reasonable.

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OP
S
Dec 8, 2020
37
50
Funster No
78,392
MH
Coach built
Exp
Newbie
The insurer on the renewal document is shown as "Highway Specialist F/C EDI".

Never heard of them to be honest.

Edit to add - looking at the certificate itself it was with LV=
 
Last edited:

cmcardle75

LIFE MEMBER
Jun 8, 2012
2,309
2,849
Reading
Funster No
21,386
MH
Riot Van Conversion
Exp
Since 2012
The insurer on the renewal document is shown as "Highway Specialist F/C EDI".

Never heard of them to be honest.

Edit to add - looking at the certificate itself it was with LV=

Highway is a LV department specialising in unusual risks, such as teenage drivers and specialist vehicles.

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