Insurance reccomendations (RV)

Bryan

Free Member
Jul 19, 2007
2,087
342
Funster No
6
Hi,


Who would you recommend for insurance for an American RV?

It must be fully comprehensive, cover ALL windows (especially windscreen) and I also want full UK breakdown recovery (either included with insurance or seperately).


In the past I have always used Budget Insurance (now part of Norwich union) and am interested to hear who others use...


Thanks ::bigsmile:

Bryan
 

moandick

Free Member
Jul 28, 2007
1,313
112
Landrake, Cornwall
Funster No
24
MH
Euro-shed
Exp
40 +
Hi Bryan

I am trying to put together a precis on RV insurance for the common use of all RV'ers.

I use the NFU but they do not have an inclusive breakdown scheme so I am also a member of the Caravan Club with their Green Flag Membership. (MayDay)

Others use the Caravan and Camping Club with their RAC Specialist Recovery policy - which I have had very good reports of.

My list of RV Insurers is <here> and I am currently trying to get all of them to tell me what they actually DO insure and cover breakdown-wise but it is very difficult to extract information from any of them!

I would love to have a copy of any of your correspondence for my 'Precis' if you would let me.
 
OP
Bryan

Bryan

Free Member
Jul 19, 2007
2,087
342
Funster No
6
I'm a member of the C&CC, is the recovery service an extra? How much? What levels of recovery do the offer? (Roadside assitance? Recovery to home or site? Home start?)

Thanks
 
Sep 25, 2007
1,033
109
UK
Funster No
399
MH
5th Wheel
Exp
30+
[For the 10 years we owned RV's, we were always with Safeguard.
Breakdown (Europe wide) , windscreen and 2k contents included.
We NEVER managed to beat thier renewals and both times we had to use the services (a breakdown in France) and an accident in Yorkshire, the service was A1, very quick and courteous with no messing about.
I might also add that was told by a senior member of thier organisation some months ago that they are WELL aware of the fulltiming issue and have, for quite sometime, been trying to get an underwriter to understand/accept the lifestyle and produce a workable policy FOR FULLTIMERS IN AMERICAN RV'S, unfortunately, so far, with no luck.
 

moandick

Free Member
Jul 28, 2007
1,313
112
Landrake, Cornwall
Funster No
24
MH
Euro-shed
Exp
40 +
The C&CC is with the RAC Arrivals Scheme - yes it does cost extra but they are very prepared to low-load a broken RV rather than send a normal small breakdown truck prepared to tow a ten-ton RV!

Lots of details on the RV forum.
 

Pammy

Funster
Aug 3, 2007
888
120
Mansfield
Funster No
56
MH
RV
Exp
3 years
Hi Bryan

We used Safeguard this year because we needed the green card for Morocco. They also do the full breakdown thing as well.

Last year we used R J Specialists who were very good, much cheaper on price as well but they do not do the green card.

Give Geo a ring, he may have more info anyway.

See you soon

Pammy
 

Geo

Trader - Funster
Jul 29, 2007
10,892
7,417
Mansfield,Notts
Funster No
35
MH
A class RV and Autotrail
Exp
35 +years with breaks
Hi Brains looking to insure an RV:winky: have you something to tell us???
Pammy was nearly right last year we were with RH specialist insurance not RJ :Doh:
They do not do recovery over 3.5 ton:Doh:
For that we used the CCC Arrival scheme they do do any length and weight
make doubly sure re windscreen cover as there are limits to claims on some,
whilst your at it can you clarify weather a RV has one or two screens, it matters a great deal if you have say a £2000 max on any one claim, because a full screen is circa £4500:Eeek: and you may argue that the 2K limit per claim is ok if they allow two claims at once, ie two screens or one that is the question
Geo
 

American Dream

Free Member
Aug 20, 2007
6,371
154
Lincoln
Funster No
125
MH
?
Exp
?
Hi Brains looking to insure an RV:winky: have you something to tell us???
Where's the CAT gone Bryan?:Eeek:

If your engine ain't a
then it's just plain LOW-TECH
!

We use RH insurance and RAC Arrival.

They've been good so far.
 
Last edited:

dazzer

Free Member
Jul 30, 2007
1,698
99
In my house
Funster No
41
MH
Virtual RV!!
Exp
10 Years
We Use NFU Tel 01227 451088 and the C&CC with their RAC backed breakdown cover with no length, height or weight restrictions. :thumb:
 
OP
Bryan

Bryan

Free Member
Jul 19, 2007
2,087
342
Funster No
6
Update

Thanks for all the pointers ::bigsmile:

At the moment, looking like Sureterm Insurance are going to win my business, beating Safeguard, Comfort, RH Classic and Adrian Flux...

Only NFU left and they are on answer phone :Doh:

Bryan
 

Geo

Trader - Funster
Jul 29, 2007
10,892
7,417
Mansfield,Notts
Funster No
35
MH
A class RV and Autotrail
Exp
35 +years with breaks
Well done so far Bryan, Knowing you as I do they must be paying you:ROFLMAO::ROFLMAO::ROFLMAO:
Geo
 

Braunston

Free Member
May 21, 2008
1,413
7
Funster No
2,762
Hi, Pammy

Just out of interest did Safeguard provide breakdown cover for Morocco as well as the green card

Thanks
Braunston


Hi Bryan

We used Safeguard this year because we needed the green card for Morocco. They also do the full breakdown thing as well.

Last year we used R J Specialists who were very good, much cheaper on price as well but they do not do the green card.

Give Geo a ring, he may have more info anyway.

See you soon

Pammy
 
OP
Bryan

Bryan

Free Member
Jul 19, 2007
2,087
342
Funster No
6
UPDATE:

Well we did go with Sureterm (Equity Red Star policy) initially...


BUT!

When we go the paperwork there was a clause that I was concerned about. It said that Windscreen cover was limited to £1000 'Where applicable'

So I rang to see if my policy was 'applicable' and it was. I explained that a limit of £1000 on RV glass makes the policy unattractive and they said they couldn't change it.

So, policy cancelled and I have now gone with NFU who say that there is no glass cover limit ("what it costs to replace, we cover").

Awaiting refund from Sureterm - taken over three weeks so far.

The restricted glass cover was not explained to me at time of quote so I am expecting a full refund as the policy was not suitable for my needs. We'll see what they come up with.

So, NFU wins this year based on comprehensive glass cover and the second cheapest quote.
 

Geo

Trader - Funster
Jul 29, 2007
10,892
7,417
Mansfield,Notts
Funster No
35
MH
A class RV and Autotrail
Exp
35 +years with breaks
Hi, Pammy

Just out of interest did Safeguard provide breakdown cover for Morocco as well as the green card

Thanks
Braunston
Hi ya
Unfortunately there is no cover of any kind for Morocco, the Moroccans will not allow any third party recovery or breakdown services into their country you have to pay for a local company to do that or pay them to take you over the border back into Spain where normal service is resumed
Hence the benefit of Desert Detours, the breakdown service follows you all over Morocco and sometimes shows you the way too:thumb::thumb::thumb:

The green card is only proof that an insurance policy is in place that is acceptable to the Moroccan authorities, No green card, no cover,and the last I heard border cover was difficult to obtain

I included that last bit for the benefit of any new folk reading this post not familiar with the green card system
Geo
 

Road Runner

Free Member
Jul 26, 2007
1,405
1,458
Europe
Funster No
16
MH
yes
Exp
Since before Motorhomefun
I am with Sureteam at present and have glass claim pending
 
Last edited:

Braunston

Free Member
May 21, 2008
1,413
7
Funster No
2,762
Hi, Geo

Thanks for the reply as I was wondering if Safeguard would extend their breakdown cover along with the green card as that would have saved me having to take out separate breakdown cover.

I believe that ADAC the German company provide full breakdown cover for Morocco and most other countries that surround the mediterranean, or at least that is what I have been given to understand.

Thanks



Hi ya
Unfortunately there is no cover of any kind for Morocco, the Moroccans will not allow any third party recovery or breakdown services into their country you have to pay for a local company to do that or pay them to take you over the border back into Spain where normal service is resumed
Hence the benefit of Desert Detours, the breakdown service follows you all over Morocco and sometimes shows you the way too:thumb::thumb::thumb:

The green card is only proof that an insurance policy is in place that is acceptable to the Moroccan authorities, No green card, no cover,and the last I heard border cover was difficult to obtain

I included that last bit for the benefit of any new folk reading this post not familiar with the green card system
Geo
 
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