Insurance question

Tezza

Tezza

Free Member
Joined
Sep 6, 2008
Posts
243
Likes collected
70
Location
South Wales
Funster No
3,966
MH
Benimar Mileo 286
Exp
around 26 years
Good evening all

just had a quote from LV and it’s a lot cheaper than Motorhome specific insurance companies, other than not having a specific policy that covers ALL the van, (they have quoted it as a fiat on a car policy) what is the Main draw back of insuring the van under a car policy?
 
I would have thought if it gets written off or involved in an accident then you will get the price / repair of just a van. No cover on anything extra thats been added like Fridge, boiler, batteries etc etc.

This is just an example but 2016 Benimar Mileo £41k.... Fiat Ducato van £15k.. Happy to loose the difference ??

I could be wrong though and talking rubbish... Best check..
 
Check the windscreen replacement limit. I believe on the car policy only £600. Not enough for a motorhome.
 
Knowing insurance companys I would be very wary,if your involved in a accident would they question the fact that it's not just a van ?

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I thought LV did a Motorhome policy if not it can be a risk, no cover for awning, gas explosion and other Motorhome specifics.
 
“They have treated it as a fiat on a car policy”.

Erm,no. It’s a motorhome,not a car. I’m dubious! Well actually my flabber is gasted :rofl::rofl:. Of course now someone will come along and say it’s fine and dandy......maybe.

Have you tried Comfort?
 
Got a quote from LV last week, as I already have both cars and our home with them and they have been very good so far. Over £100 cheaper than Comfort looked good, but then the alarm bells started to ring.

They linked me to the policy documents which make no mention of "motorhome" with "car" written instead. And the same wording as for my cars. They only asked me what the base vehicle was and did not want to know the converter "we do not have a box for that sir", its value, its length or its weight (again no boxes for those). Given that a new Fiat Ducato based motorhomes cost from £45,000 to £145,000 how can they possibly know what their risk is if they don't know the exact model? I can see real trouble with settling a write off claim "but sir you can buy a 2015 Fiat Ducato motorhome for £30,000, yours can't possibly be worth twice that". And then there is the thought of being refused breakdown cover in rural France because it is over 6m long or over 3.5t in weight.

I think I will pay the extra and use a company that specialises in motorhome insurances.
 
Had exactly the same concerns as peterc10
Have a multi car policy with LV, and was quoted around £180 to add motorhome. However, the questions asked (by LV) just didn't seem right - not enough detail to adequately access the risk they were taking on. Also would have taken out breakdown cover, so that cost plus the £180 would have totalled more than Caravan Guard.
 
Highway do motorhome insurance and are owned by LV

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I am with Highway (LV) through think. My certificate of ins state's Fiat CL caravanette
 
Is this too good to be true?

I will try to explain. It’s that time of the year again. NFU Mutual has sent me our vehicle Insurance Renewal Notice. This covers our car and the MH. Once again the premium for the MH seems reasonable but also, again, the premium for the car has risen and is frankly exorbitant. I had the usual conversation with them and as before they said it is because my dear old (2013) Volvo is classed as a high performance vehicle. Pigs may fly but the XC70 certainly won’t!

Thinking I would leave the MH with NFU M and move the car to another provider I started the comparison process. This led to two things. I can easily get a 50% to 60% reduction on the premium for the Volvo with other reputable companies. I then had a flash of inspiration. Bearing in mind that I’m a member of Boundless (CSMA) I looked at LV which has a long association with the CSMA, now Boundless, and does give large discounts to Boundless members on all sorts of insurance products.

Sure enough LV came up trumps with a very attractive quote for the Volvo. I then asked if they insured MH’s. Yes they said. Did I want a quote? That would make it a multi vehicle policy and reduce the premiums even more. Well, the quote for the MH was incredibly low. So low in fact that I made it clear to the Jake that I found it almost unbelievable. I explained that new the MH was over £100k and still had a fairly high value. The reply was simple. LV accept that the majority of MH’s do only low mileage and are in general very well looked after and driven by responsible owners / people who are careful. LV therefore looks on them as low risk.

Another strange quirk is that the compulsory windscreen excess on the Volvo is £140 yet on the MH, a Carthago A class it is only £95. I also pointed this out to Jake and the likely cost of a MH windscreen replacement. Again his response was LV sees this as low risk and the excess reflects this.

Any comments and anyone up to try some test quotes?

Now my question again, is this all too good to be true?
 
As well as checking the windscreen excess check how much it is covered for. I believe your motorhome windscreen is guite expensive to replace
 
ramsthom said:
As well as checking the windscreen excess check how much it is covered for. I believe your motorhome windscreen is guite expensive to replace
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A good point so I have just checked with them. They would want me to use one of their approved repairers - Autoglass or National Windscreens and the full cost will be covered except the excess.
 
BILL 875 said:
What is that quote, when somethings seems to good be true etc
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I know but I've been through their documents with a fine tooth comb and can't find a fault. I have also now discussed it two of their reps quite separately and it just seems okay.
 
Get them to put in writing the make model year and current value.
I insured with LV Highway which is motorhome specific. Quite a different policy and wording
 
Not on the MH but we have on a car a few years ago and it all went smoothly. We have been with them for years (they were Frizzel before LV) as we have always been CSMA members. Had a few claims over the years and always sorted out quite easily. Each year the autorenewell has been more or less the same price so no need to keep changing, this year the M/H was £199, £5 more than last year, one car was the same price and the other £10 cheaper!

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philann said:
Not on the MH but we have on a car a few years ago and it all went smoothly. We have been with them for years (they were Frizzel before LV) as we have always been CSMA members. Had a few claims over the years and always sorted out quite easily. Each year the autorenewell has been more or less the same price so no need to keep changing, this year the M/H was £199, £5 more than last year, one car was the same price and the other £10 cheaper!
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Thanks for your reply.
 
Dorset Diver said:
Noooo. Do that and they can't write the cheques. 😊
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Cheques!! Youre not still using those,surely. Soooooo last century :LOL:

PS We’ve got the Minster external blinds,they’re great.
 
Podney said:
Cheques!! Youre not still using those,surely. Soooooo last century :LOL:

PS We’ve got the Minster external blinds,they’re great.
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Absolutely, but last year I moved on from quill to a fountain pen (y).

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My motorhome insurance renewal letter from Sage arrived at the weekend. Renewal price £365.12 versus £295.72 for last year.

I obtained a quote from LV using their online form. Although their website leads you in via a dedicated Motorhome page, the quotation process from thereon seems to occur through their standard car pages. The only vehicle information they request is the registration number and this returns the make and model of the van (in this case a Fiat Ducato) with no information requested regarding the conversion (converter and model type) nor the value of motorhome (which is significantly greater than that of the base vehicle returned by the registration number).

In LV's Information Product Information Document under the "Are there any restrictions on cover" section it says that "In-car equipment cover is limited to £1000 where not installed as part of the vehicle manufacturers original specification". My concern is that LV would consider Fiat to be the vehicle manufacturer, not the converter and, of course, the value of the fittings/equipment in the motorhome significantly exceed £1000.

I plan to call them today to discuss this but I'm interested to hear of others' experience.
 
Lizbiebrowne said:
My motorhome insurance renewal letter from Sage arrived at the weekend. Renewal price £365.12 versus £295.72 for last year.

I obtained a quote from LV using their online form. Although their website leads you in via a dedicated Motorhome page, the quotation process from thereon seems to occur through their standard car pages. The only vehicle information they request is the registration number and this returns the make and model of the van (in this case a Fiat Ducato) with no information requested regarding the conversion (converter and model type) nor the value of motorhome (which is significantly greater than that of the base vehicle returned by the registration number).

In LV's Information Product Information Document under the "Are there any restrictions on cover" section it says that "In-car equipment cover is limited to £1000 where not installed as part of the vehicle manufacturers original specification". My concern is that LV would consider Fiat to be the vehicle manufacturer, not the converter and, of course, the value of the fittings/equipment in the motorhome significantly exceed £1000.

I plan to call them today to discuss this but I'm interested to hear of others' experience.
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See my post #8 above.

I have been impressed with my LV car insurance and now use them for our home, where I got much better cover for £100 less than my previous insurer. But if you ask them to to send you details of the "motorhome" insurance it is worded exactly as for my cars, including using the word "car" rather than "motorhome". So I stuck with a company that produces a specific motorhome policy, as getting it wrong could be a disaster.

I don't think you will get anywhere speaking to them. It is clearly a box ticking exercise to get a quote and if you ask them a question which they don't have a box for they just stonewall you.
 
Lizbiebrowne said:
My motorhome insurance renewal letter from Sage arrived at the weekend. Renewal price £365.12 versus £295.72 for last year.

I obtained a quote from LV using their online form. Although their website leads you in via a dedicated Motorhome page, the quotation process from thereon seems to occur through their standard car pages. The only vehicle information they request is the registration number and this returns the make and model of the van (in this case a Fiat Ducato) with no information requested regarding the conversion (converter and model type) nor the value of motorhome (which is significantly greater than that of the base vehicle returned by the registration number).

In LV's Information Product Information Document under the "Are there any restrictions on cover" section it says that "In-car equipment cover is limited to £1000 where not installed as part of the vehicle manufacturers original specification". My concern is that LV would consider Fiat to be the vehicle manufacturer, not the converter and, of course, the value of the fittings/equipment in the motorhome significantly exceed £1000.

I plan to call them today to discuss this but I'm interested to hear of others' experience.
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Lizbiebrowne I shall be really interested in what you find out, please see my post #12 above. I still have not made a decision but I'm very tempted to go with them.
 
Wow,that's very enlightening, no wonder the quote I got through comparing "Meer Cats" was so much cheaper than the dedicated quite I got through Devitts, actually speaking to a real person!! Devious, deliberate, obtuseness. No more money for them.
Mike
 
When we spoke to LV a few years ago they actually told us that the motorhome insurance wasn't worth having and we'd be better off going to a specialist insurer! Don't know if things have changed over the last few years.

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