Insurance dilemma

Discussion in 'Motorhome Insurance General Discussion' started by milliethehymer, Feb 22, 2016.

  1. milliethehymer

    milliethehymer Funster

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    We are due to collect new MH in March so I've been looking to sort the insurance out.

    I now find myself with a difficult decision and wonder if anyone has any thoughts...

    Insurer "A" want a premium that is almost twice insurer "B", but don't want a tracker and will give unlimited windscreen cover. Also policy (ex windscreen) has a £500 excess.

    Insurer B are a lot cheaper, and have only a £200 excess. However they require a tracker, and the windscreen cover is limited to £3,000 any one claim.

    The MH in question is a Hymer MLI 580 and I don't know whether £3,000 would be enough for a new windscreen.

    A tracker will have a year one and ongoing support costs, but given the difference in premium (£400) I think it would be viable to have a tracker fitted.

    If I do fit a tracker, insurer A only take £75 off the premium so I wouldn't bother.

    I think typing this has helped my mind decide I favour the cheaper quote (with Aviva) but it's just the windscreen bit that bothers me.

    Any thoughts?
     
  2. DavidG58

    DavidG58 Funster

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    I often find I answer my own questions when posting on here :)

    I would hope £3000 would easily cover a new screen, we had one on a Pilote that cost £2400 inc VAT

    So if you only real worry left was windscreen cancel that fear, at worst you would have to find any extra, so even if it is £3200 it is only £200 from you and that presumes you break it (y)

    It is not as though you are looking to use an unknown insurer, Aviva are a big enough name
     
  3. milliethehymer

    milliethehymer Funster

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    Thanks @DavidG58 , helpful thought. Of course, with the windscreen I'd only be looking at the difference between £3k and the actual cost, not the whole thing - and that puts a different perspective on things.

    Thanks for helping me make up my mind, especially reassured knowing the cost of a Pilote screen so I'd guess a Hymer will be in the same ball park (y)
     
  4. Badknee

    Badknee Funster

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    Before you do anything else check break down cover will rescue your weight of van and are you covered on the continent. (y)
     
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  5. Hyacinth 1

    Hyacinth 1 Funster Life Member

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    I would seriously consider a tracker for your van it's just an extra peace of mind even if you don't benefit from insurance, as you are from W Yorks are you getting it from Huddersfield if so you need to speak to Malcolm he can fit them a little cheaper then dealer.

    If you want to pm me I can give you more info.

    Liz
     
  6. sdc77

    sdc77 Funster

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    You might consider joining ADAC .. Probably save yourself a load of cash and get great cover in Europe.
     
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  7. milliethehymer

    milliethehymer Funster

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    Thanks all for your replies.

    I checked out the breakdown cover that I asked to be included, and it's fine for the size of the van.

    It's a bit annoying as I have cover with the bank account for breakdown and recovery but it's limited to vehicles of 7 m and 3.5 tonne. The MH is 6.9 m, and in standard guise gas a GVW of 3.5 tonne - however we've had it related to 3.85 tonne for better payload, so falls outside the criteria despite being (unless fully loaded) the same van..

    @Hyacythn 1 , thanks for the offer . We're actually getting it from Lowdhams in Notts so I'll get them to sort it. I also agree with your peace of mind comment.

    Slightly annoyed as I asked about a tracker when we ordered the thing, and was assured nobody would require one and the alarm I was having fitted would suffice. So I suspect I'll end up paying a bit more as the fitters will have to come back.

    Still, no pockets in a shroud ...
     
  8. MichaelT

    MichaelT Funster

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    There is a post on the Knaus owners site where the windscreen cost £4,750 so it may be worthwhile getting a quote to see how much before you buy.
     
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  9. emmitdb

    emmitdb Funster

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    "It's a bit annoying as I have cover with the bank account for breakdown and recovery but it's limited to vehicles of 7 m and 3.5 tonne. The MH is 6.9 m, and in standard guise gas a GVW of 3.5 tonne - however we've had it related to 3.85 tonne for better payload, so falls outside the criteria despite being (unless fully loaded) the same van.."

    Our 'van is a 3500kgs van that has been uprated to 3650kgs.

    The original plate is under the bonnet. The 'new' plate isn't there and I wouldn't be flashing it at a breakdown man if needed.:whistle::whistle::whistle:
     
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  10. The Wino

    The Wino Funster

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    Try insurer C to see if there's a better deal
     
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  11. nomadic

    nomadic Funster

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  12. MikeD

    MikeD Funster

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    If you do have a claim with Aviva - you will have a nightmare sorting it out with them.
     
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  13. Jagtazman

    Jagtazman Funster

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    You reckon? They are normally pretty good IMHO for cars /commercial. If their MH division really that bad?
     
  14. tonka

    tonka Funster Life Member

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