Geo
Trader - Funster
- Jul 29, 2007
- 11,757
- 14,565
- Funster No
- 35
- MH
- Autotrail Tracker FB
- Exp
- 45 +years with breaks
Quote from Geo
"Its American and the TV's dont work over here
They dont? do all RVs have to change the TVs?
Yes they do,
Sensing the alarm in her voice I stopped short of pointing out that the whole electrical system is sometimes changed from 110v to 240V
They really don't have a clue, and this was from an RV specialist insurer too"
So what happens if you or other RV owners have an electrical fire and you haven't declared it?
Geo you know how to do loads of stuff on your RV, and do it well. Have you informed your insurers of every tiny electrical installation, even if it's only a replacement of say 1m of cable?
What the right thing to do when you fit a charging relay from leisure to vehicle battery?
Will someone tell me at what point do we not inform the insurers, when is the item too insignificant? Where is a list we can work from?
That's the 3rd time I have asked who has the definitive list of what we should ignore and no reply from people with strong opinions on this.
Have been very lucky to have had only 2 insurance claims in my life (no make that 3 as also a cracked windscreen), 1 where our MH was broken into and trashed in Spain, the second when a very nice car of mine was locked in a garage and someone an employee of a neighbouring business walked across the roof of my garage and fell clean through, damaged the boot, rear wing and roof, it had an aluminium body.
In both cases I was correctly insured and in both cases not present, in both cases the insurers wriggled to an obscene degree. So my regard for insurers isn't too high especially after meeting a claims adjuster on a social level and heard a few stories.
Everybody should stay within the rules and regs of their insurance, but for the fourth time where is the list, or do we use common sense God forbid?
I will try and answer your question its not that hard your insurer will only have an idea of what he is insuring form the manufacturers spec sheets ie he knows an Escort GTI will be dearer to fix than the basic Escort and more of a road risk due to its uprated performance and more of a theft risk due to its spec
The same applies to Motorhomes every new model is valued by its selling price and or purchase price (they are different) The selling price may be 90 thousand but you got it for 75 thousand in a deal, Dont expect 90thousand if it gets stolen, they could argue your loss is only 75 thousand and pay out that amount
So the same would apply to all your undeclared extras they didnt know the risk was now 110 thousand due to solar, satelite and a whole bunch of other toys nearly £14000 worth is Sloberdobs case
As for a list you are asking he impossible, the insures can and do offer such lists/advise but always without exception end it by saying "this list is not exhaustive" meaning there could be others not thought of, an example would be in the case of an Winnebago with a £10,000 genuine Winnebago Indian Totem Pole on his roof, now who would have thought of that in simple terms anything that could/would effect in material terms the insurance risk and yes it can include some really mundane things such as alloy wheels skirt kits, go faster stripes etc any thing tat might make your motor home more desirable to a thief needs notifying, anything that increases risk to the insurers needs notifying
The choice to notify or not to notify would in my case be based on the question could they use that against me to avoid paying out if i belive or even suspect they could I notifiey them
As for my electrical work on the RV I have it tested and certified by a qualified electrician, and i mean comprehensively tested, installation and performance of breakers etc
like you do your Domestic Dwelling, You Do Have Your Home Tested And Certified Don't You t