Insurance in the UK is more expensive for Left hand Drive Motorhomes

Discussion in 'Motorhome Insurance General Discussion' started by Abacist, Apr 25, 2018.

  1. Abacist

    Abacist Funster Life Member

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    There is an article in this month's What Motorhome that argues that insurance is much more expensive for left hand drive motorhomes than those that are right hand drive.

    How about some of our LHD owners let us know who they insure with and the sort of premium they pay with the details of their van and annual mileage?

    The article contains comments from Shield Total Insurance and Caravan Guard who argue LHD vans are used on the continent and therefore do higher mileages with higher attached risk. Most accidents are still accident rather than theft related and the time to get parts is critical when the insurer might be having to pay a daily charge whilst the van is out of use.

    They blather on about foreign manufacturers and thus getting parts from overseas is a problem. Most base vehicles are made overseas for goodness sake even if converted in the UK and the same goes for many equipment fitments like cookers, fridges, heaters, boilers etc. They also cite windscreen costs as an issue.

    Is this a load of codswallop or is there some truth in the matter?
     
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  2. Robert Clark

    Robert Clark Funster Life Member

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    We’re with NFU and were quoted the same price for RHD and LHD
     
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  3. Clarky

    Clarky Funster

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    Been insured with Safeguard for the last three years and there has never been any mention of a loading for LHD. Unlimited miles and 365 days European cover.

    Richard.
     
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  4. stewartwebr

    stewartwebr Funster Life Member

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    Seen no difference in price when we recently swapped from RHD to LHD but of a carry on getting the cover but it eventually sorted itself out and we are very pleased with the premium via C&MC
     
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  5. Southdowners

    Southdowners Funster

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    No difference with NFU - we have LHD
     
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  6. Lenny HB

    Lenny HB Funster

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    When we swapped from a RHD to a more expensive LHD the premium went down, that was with Comfort.
    As for parts German manufacturers normally deliver much quicker than UK ones.
     
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  7. runrig

    runrig Funster Life Member

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    We had this comment made to us but the reason they said they loaded the insurance for a LHD was because there is bigger chance of having an accident in the uk driving a LH vehicle. Mick then asked if they loaded the insurance on a RHD vehicle when they are driven on the continent as surely there is just as much of a chance of these being involved in an accident as they are driving a RH vehicle on the opposite side of the road to the UK.

    Their answer was " No we don't we never thought of that". Is this not discrimination.
     
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  8. Terry242

    Terry242 Funster

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    Got rid of the LHD in the Avatar[ 680 Starline ] last year but was with Comfort for 3 years and never had a loading. Whist cover is always individual - storage etc., 8000miles was £290 or £355 inc. of European breakdown.

    Terry
     
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  9. Terry242

    Terry242 Funster

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    Got rid of the LHD in the Avatar[ 680 Starline ] last year but was with Comfort for 3 years and never had a loading. Whist cover is always individual - storage etc., 8000miles was £290 or £355 inc. of European breakdown.

    Terry
     
  10. gus-lopez

    gus-lopez Funster

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    Do they specifically ask then ? They don't worry where the steering wheel is here.:D
     
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  11. airwave

    airwave Funster

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    My van's with adrian flux , in the second year now , but i've being with them year's . I did ask and they said there's no difference .

    Mind you i contacted them year's back when i got a speeding ticket in a 40 tonner . Guy laughed and said we allow 6 point's anyway .
     
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  12. The Wino

    The Wino Funster

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    I think a lot of the articles in magazines give the UK trade view they are probably trying to disuade people from privately importing LHD m/h with scare stories
     
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  13. Speve

    Speve Funster

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    Whilst insuring our new LHD Hymer this month the did ask how much experience I have with LHD that was with Safeguard and they whacked the premium up as it is a self import and had to do on VIN in first instance.
     
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  14. Badknee

    Badknee Funster Life Member

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    Wot 'e sed. Total rubbish, don't forget it's a monthly rag that they need to fill.
     
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  15. OurMoreloLife

    OurMoreloLife Funster

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    I would be really interested to know (privately if necessary) how much you all paid for Morelo insurance as I feel again that I have been shafted. We paid £3,400 for a Chubb policy for the Morelo (LHD), my Range Rover Sport, a Fiat 500 and my Peugeot Django 125cc scooter; all fully comp, Business use, unlimited mileage, any driver fully comp, windscreens etc.

    But, as I have no idea what others pay it's hard to know and, when the AIB guy says "you have to insure everything together as no-one wants just the motorhome business" I almost know I'm being set up. I do accept that Chubb and Hiscox are the best policies and, as they are defined settlement policies (you get back what you stated it was worth in the event of a total loss) but is that even necessary?
     
  16. stewartwebr

    stewartwebr Funster Life Member

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    I have just reviewed my policy to ensure I get the details right. I’m insured with Caravan and Motorhome Club, underwritten by Axa. I have maximum NCD for the Motorhome, built up owning motorhomes for the last 30 years and I have the same with my car. I have no claims to declare, but 3 penalty points 4 years ago for speeding.
    My excess is £100 for theft and damage and £50 for windscreen which covers the full value of replacement if fitted by one of Axa approved installers.
    The policy provides new for old up to 24 months and the declared new replacement cost is recorded at €280,000
    The premium which expires on the 9th September due to renewing mid term and the policy price is £464.34
    Mandatory requirements was a Thatcham Cat 5 tracker and Cat1 immobiliser alarm. The vehicle is stored in a CASSOA Gold Site and is limited to 12,000 miles per year with no limit on European cover.
    No breakdown included as not required nor provided.
     
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  17. Emmit

    Emmit Funster

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    That was a question I would like answering.
    When we went through the annual joy??? of checking prices for the Insurance, one of he questions that was asked by more than one Co. was "Was the vehicle imported by you" or"Is your vehicle a Grey Import" (How I would know that 10yrs down the line, I don't know"
    So, does it make a difference?
     
  18. Lenny HB

    Lenny HB Funster

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    Only company that i know where it makes any difference was AIB they doubled the premium when then found out it was a personal import didn't make any difference with other companies if a personal import or LHD.
    If bought in the EU for the time being i dont see how it can be a grey import the EU is a single market with residents free to buy in any EU country.
     
  19. OurMoreloLife

    OurMoreloLife Funster

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    Hi Stewart and thanks for such a comprehensive update.

    I too have 35 years without a collision and zero points so max NCD.
    As AIB went to great lengths to explain, the Axa policies will NOT guarantee an agreed "fixed value settlement" in the event of a total loss and instead, would negotiate with you a "market value" which, I am told, is significantly less than my "agreed value" when they take into account wear and tear, mileage etc. It could be that you have to find a difference of up to £40K. It may be that's "project fear" at work but I reckon these vehicles are easily a total loss if any collision is significant.

    Not only that, Chubb will reinstate to a maximum value of up to 150% of the "agreed value" to take into account the almost unique nature of most of the Morelo MH's. My "agreed value" is £200k. It would be interesting to understand the Axa approach to a total loss event and what any settlement from them might look like (if not an agreed settlement value).

    I was able to get them to accept a Cat 6 tracker too.

    I simply do not understand it as Caravan and Motorhome Club told me they couldn't even quote me on my Morelo.
     
  20. stewartwebr

    stewartwebr Funster Life Member

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    My policy is very clear in relation to total loss, a new replacement vehicle will be provided up to 24 months from first registration.
    I have no idea how and when they quote. As explained before I paid around £250 for 6 weeks cover when I bought the van and was warned it was very unlikely they would quote at renewal. Then the renewal came through with the price quoted.
    When I renewed I was told Axa don’t like mid policy change and given I have history of high value Motorhomes they were happy to quote.
    Worried now that something may change come renewal.
     

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