Grove & Dean - is this normal? (1 Viewer)

seamus62

Free Member
Dec 8, 2020
37
53
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
9,636
19,809
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
3,410
7,403
Milton Keynes, UK
Funster No
79,219
MH
Burstner Lyseo 727G
Exp
19 month year 18000 miles UK, Ireland, France, Spain, Germany, Italy. Campsites and off Grid.
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.
 
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seamus62

Free Member
Dec 8, 2020
37
53
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.
 
Sep 3, 2012
7,452
25,837
Cheshire
Funster No
22,759
MH
C Class Elddis 175
Exp
8+ years
Never heard of Grove and Dean as a MH insurer.
What was your first premium cost? And renewal?
 
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seamus62

Free Member
Dec 8, 2020
37
53
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
19,505
51,186
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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seamus62

Free Member
Dec 8, 2020
37
53
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=
 
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cmcardle75

LIFE MEMBER
Jun 8, 2012
2,666
3,446
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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Oct 15, 2011
4,074
10,987
Not Glasgow
Funster No
18,482
MH
Carthago chic eline
Exp
Since 2011
They don’t have very long European cover, think they said 28 days.
I’ve just got a good price with NFU, just had to find separate breakdown cover.
 
Jul 11, 2020
543
1,440
Southampton
Funster No
72,887
MH
Benimar Tessoro T486
Exp
Since August 2020
Highway is a LV department specialising in unusual risks, such as teenage drivers and specialist vehicles.
F/C EDI stands for "full cycle electronic document interchange" . A very old product tag meaning both new policies and renewals (full cycle) can be dealt with electronically between the broker and the insurer. You did ask.
 
Apr 29, 2021
62
110
South west wales
Funster No
80,787
MH
Swift escape 664
Exp
Since 2016
Grove and Dean are solicitors doing brokerage reasonable price includes breakdown and legal. Don’t know what there like when you need to claim

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