Insurance quotes

Discussion in 'Motorhome Insurance General Discussion' started by Meander n Izzy, Feb 23, 2018.

  1. Meander n Izzy

    Meander n Izzy Funster

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    Have finally got insurance sorted for our van, and thought I would share the info we found.
    The details for the van are 9 metre length 5500kg full time living including European cover fully comp.
    NFU £743.22 (no breakdown cover available. discount of 10-13% for strikeback )
    Comfort £1326.28 (breakdown cover at extra £62 also require tracker class5)
    Safeguard declined to quote as vehicle is over £85k.
    CCC could not quote as no full time policy.
    So we have gone with NFU , we also tried our own broker but they did not like the value or size.
    So as everyone else has found hugely differing amounts , I did get a phone number for the British Insurers Association 0370 950 1790 who can tailor individual policy but are very expensive.
    Now to try and get breakdown cover which I expect to be equally challenging.
     
  2. Just smiffy

    Just smiffy Funster

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    I called NFU this morning for a quote and they would not give me one as I had no other insurance with then..? They said it would run along side my “other” policy...?
     
  3. Meander n Izzy

    Meander n Izzy Funster

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    Have no insurance with them previously, but having read on other threads it appears that depending on which branch you ring as to what answer you receive. I rang the Chichester branch they did question it was not my local office, my reply to that as I was doing all online and not wanting to go in to their office.
    I spoke to Sharon Caesar on 01243 717069 you could also mention that Southdown moterhomes recommended
     
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  4. Janine

    Janine Funster Life Member

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    Did you try AIB insurance? They've been giving me good prices recently and you get a Funster discount.
     
  5. Just smiffy

    Just smiffy Funster

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    After ringing 3 companies and going through the whole process I start to lose the will to live @Janine i did look at them on the reviews section and there were better reviews on others...
     
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  6. BreweryDave

    BreweryDave Funster Life Member

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    At the risk of being a killjoy, if you are proper full timing then you are not covered by anything other that the Aviva Horizon plus policy from Comfort. No other company offers this ( although maybe AIB do the same policy) but definitely not NFU or anyone else. It’s a very specific policy, and the one I mentioned is the only one, and you have to pay a fulltiming rate.

    The exception would be if you still have your own house and don’t rent it out, and are long term touring.
     
  7. Janine

    Janine Funster Life Member

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    AIB definitely cover full timing.
     
  8. Meander n Izzy

    Meander n Izzy Funster

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    What would comfort cover that the others dont,have been through my policy it seems to cover what I need ?
     
  9. BreweryDave

    BreweryDave Funster Life Member

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    Probably nothing, but if you are proper full time without your own property, you’re on a sticky wicket if you’ve given an address which you cannot ‘prove’ that you live at and is your home, for which you can produce utility bills etc. and you haven’t rented it out.

    Don’t misunderstand me, it’s a minefield, search the topic for full time insurance on here, and you’ll see! It kinda depends what YOU mean by fulltiming. I’ll bet a million quid you didn’t use the words full timing to the NFU !

    Comfort are just a broker, but imho one of the best for MH insurance.
    By comparison to your quotes, my van is similar size, slightly less value, same cover as we are 11 months abroad, inc breakdown etc and is £1540 for the fulltimer rate.


    Of course, it only matters in the event of a claim! But then it really does matter!
     
    Last edited: Feb 23, 2018
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  10. Meander n Izzy

    Meander n Izzy Funster

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    Thanks BreweryDave for your comments, I will sort a utility bill.
     

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