Insurance Renewal

Discussion in 'Motorhome Insurance General Discussion' started by A S Richards, Sep 10, 2018.

  1. A S Richards

    A S Richards Funster

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    just done mine. Went with Comfort again. £355:25 with full european breakdown cover for my Burstner Elegance i821. (y) Can’t grumble at that.
    I did double check that there’s no limit on the windscreen cover and it was confirmed. (y)(y)
     
  2. Trev45

    Trev45 Funster

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    Just renewed my 2017 IH 600 RD with Comfort £286-20p .This is for up to 6,000 miles , drivers are myself, wife ,eldest daughter and youngest daughters partner . Youngest daughter left off as still under 30 years of age which I believe adds quite a bit to cost. I'm happy with that .
     
  3. TinaL

    TinaL Funster

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    Shock!, Horror!, MH renewal insurance quotes, how can they vary so much???
    Just had renewal notice through from current insurer, Comfort, underwritten by Aviva. Good news is that its only gone up £4 on last year,at £403.00 this includes new for old cover value at 75K, 365 day EU usage, windscreen cover, but no breakdown as its covered supposedly by Fiat Camper assist in first 2 years. It has contents insurance too for personal belongings.
    Did comparison check as you do.
    Story thus far:
    Safeguard = £683.00 single premium.
    Axa = £760 single premium.
    I did try NFU last year when first registered they were not competitive.
    Adrian Flux: £800-900, lost interest with options as they were so far out.
    Its a no brainer that we stay with Comfort, but why are they so cheap compared with the other big names?
    Anyone found the same?
    Les
     
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  4. SHABBINS

    SHABBINS Funster

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    Just had a renewal quote from CCC @ £1400. Gone with Comfort @ £360. Tough choice. Perhaps CCC think the brakes on the bike are not good enough to slow down the caravan I'm towing.
     
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  5. SomeoneElse

    SomeoneElse Funster

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    Comfort were 76p cheaper this year than last. I saved a other £44 by reducing my mileage from 10,000 to 8,000.
     
  6. robnchris

    robnchris Funster

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    We had a renewal from Caravan Guard of £407 up by £3 from last year, quote from Comfort was £319. phoned Caravan Guard after some discussion renewal cost was dropped to £293 with the same conditions, happy days.
    Pays to shop around and challenge those renewal quotes.
     
  7. TinaL

    TinaL Funster

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    Just had e mail quote from Lifesure Motorhome Insurance, quoting £393.00 Per year, Reading small print now as we speak, looks good thus far, see below
    Our motorhome insurance policies offer many standard benefits, including:

    • Cover from the best insurers in the market including Axa, Highway (part of LV) and underwriters in the Lloyd’s of Londonmarket
    • Up to £75,000 motorhome cover including your equipment and contents
    • Cover for up to £3,500 for personal effects*
    • Cover for awnings, gas bottles and generators
    • Windscreen cover
    • European use up to 270 days per annum depending on the policy
    • Accident recovery
    • Personal accident cover
    • Alternative accommodation in the event of loss of use following a claim
    • Medical expenses*
    • Replacement locks if keys lost or stolen
    • New for Old cover – up to 12 months
    • Entertainment equipment*
    • Left hand drive vehicles and imports are acceptable
    • Minimum driver age: 25
    * Please refer to the policy wordings for full terms and conditions
    Policy Exclusions
    As with any insurance policy there are a few exclusions to the policy:

    • Excluded drivers and excluded use, including drivers who do not have a driving licence or are disqualified from holding or getting a licence; and using the vehicle for purposes that are not shown on your certificate of motor insurance.
    • Deterioration or wear and tear
    • Loss or damage whilst your vehicle is not adequately secured
    • Deception
    • Loss or damage to any trailer or caravan whether attached to or detached from your vehicle
    Please see the policy booklet for the full list of exclusions.

    Breakdown Cover (optional)
    We are able to offer our customers UK motorhome breakdown cover from £75 and UK and European breakdown cover from £99.

    Still getting more quotes coming into my e mail box, but looking a bit better than was quoted over phone earlier.
    the rumour must be out that I am a tight Git :D
    Les
     
  8. namwaldog

    namwaldog Funster

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    Might be an opportune time to mention No Claims Discount Protection !!

    We invariably protect our NCD but for some reason it was missed off our MH Insurance when we started in Sept 2014. Our first MH was written off in Dec 2016 and the Claim through Safeguard was handled brilliantly . Come renewal in September 2017 that was when it hurt:eek:

    Sept 2016 £274
    Van written off Dec 2016 paid out Jan 2017
    March 2017 £42 supplement to existing policy for extra value of replacement MH
    (rough calculation on my part would be that the new MH would therefore have attracted a further £80 ish per annum normally)
    Sept 2017 £543 because no NCD to deduct.
    Just renewed this week Sept 2018 £539 including extra for NCD protection

    So it should either go down or stay the same as the NCD accrues further over the years.

    Looking on the bright side the extra premiums created by not having any NCD are a drop in the ocean compared to the payout on the write-off(y)
     
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  9. TinaL

    TinaL Funster

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    Interesting point @namwaldog, NCD protection that is.
    I had a second car in my name last year and was told that I couldn't transfer the 14 years NCB bonus over if I were to drive two vehicles.
    So comfort awarded me 1 years NCB to kick off the new MH policy in 2017.
    I have now sussed out that by putting the second car in OH name, and me as "named second driver", that I can now transfer over 14+1= 15 years NCB bonus to MH and protect it also.
    Dont know how much difference it will make to the premium as yet, will call Comfort tomorrow, and reduce mileage down from 10K to 7K per year also, as I think 10K may have a bit optimistic now, but we were newbies after all at the time.:)
    Les
     
  10. Lenny HB

    Lenny HB Funster

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    There isn't any NCD with Comfort their policies are net policies.
     
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