Insurance, to claim or not..? (1 Viewer)

[Just smiffy]

I have seen many threads about damage to Motorhomes through various means and some figures quoted for repairs are quite large but people still don't claim on their insurance, what would be the figure at where you would make a claim...?

Also has anyone made a claim (of course there will be) and by how much did the yearly premiums go up by..?

This may help people decide at what point to claim

 

[Khizzie]

I was going to make a claim for approx £350 but an excess off £200 and being told my ncb would be reduced from 9+ years to 3 stopped me in my tracks..they get you everyway .NCB protection yeah right !!!

 

[Just smiffy]

I've also heard it say many times that you don't get "no claims discount with Motorhomes" ..?

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[deleted-member02]

I had a very large (at fault) claim, premium increased by £25.
Currently paying £325 inc European breakdown cover.
Insurer has been MHF insurance throughout.
They don't offer a no claims discount and have given me great service for a number of years, I recommend them highly...

 

[Jagtazman]

Claimed £3k with Comfort renewal went up £30. Other than this claim my own and wife's car insurance is excellent so no difference to personal car insurance.

 

[gus-lopez]

I have seen many threads about damage to Motorhomes through various means and some figures quoted for repairs are quite large but people still don't claim on their insurance, what would be the figure at where you would make a claim...?

Also has anyone made a claim (of course there will be) and by how much did the yearly premiums go up by..?

This may help people decide at what point to claim

it would never occur to me to claim off my own insurance. Insurance is for accidents where the other party is at fault. There shouldn't be an option for claiming off your own except for fire and theft .

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[Silver-Fox]

it would never occur to me to claim off my own insurance. Insurance is for accidents where the other party is at fault. There shouldn't be an option for claiming off your own except for fire and theft .

Thats why you pay for fully comp to have the option to make a claim fault if required.

Out of interest do you just have TPFT Insurance then?

 

[Stealaway]

it would never occur to me to claim off my own insurance. Insurance is for accidents where the other party is at fault. There shouldn't be an option for claiming off your own except for fire and theft .

Wot! Insurance company must love you. You pay the premium every year to cover you for an accident no matter who made the mistake. There is no no claims saving on MoHo's.

 

[deleted-member02]

it would never occur to me to claim off my own insurance. Insurance is for accidents where the other party is at fault. There shouldn't be an option for claiming off your own except for fire and theft .

My claim was for storm damage, no option to claim against another party, I had to make an 'at fault' claim..don't think that's unreasonable...

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[Khizzie]

Wot! Insurance company must love you. You pay the premium every year to cover you for an accident no matter who made the mistake. There is no no claims saving on MoHo's.

If there is no NCB on motorhomes why do insurance companies ask for proof ?and Safeguard told me I would lose 6yrs NCB if I made a claim ??

 

[Jagtazman]

If there is no NCB on motorhomes why do insurance companies ask for proof ?and Safeguard told me I would lose 6yrs NCB if I made a claim ??

so do some don't and some scarmonger you so you won't make a claim.
othersask for copy mid so can give you discounts.
Comfort don't work on NCD they ask you to get an idea of your driving history then load and discount accordingly
If you make a claim depending on size of claim will determine the loading at renewal. I was told my claim resulted in 17% loading.
However you do have to be mindful if you claim a lot mot only will it effect you MH insuramce but and other vehicle insurance. would you claim for several hundred pounds? I would not but several thousand.......
my choice was to get a botch repair done for £1k or replacement panels paid by insurers at just over 3k. no brainer for me
However others may have just gone for cheaper option and got a repair done. each to there own

 

[Pausim]

I know I would not claim for a small sum so have increased voluntary excess to reduce premium.

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[The Wino]

I think they usually get around the no claims not being present in the cost by upping the actual premium if there is a history of claims then taking the same ncb % off if allowed so claims will usually affect the premium. Not sure on the m/h but my wife recently let the car roll back into a wall cost £500 ish to repair no way would I tell the insurance .

 

[Stealaway]

Slow prang reversing- £2.5 k.damage £250 excess. No NCB to lose No brainer for me. Be a few years before they get their money back but I bet they will try.

 

[PhilG]

it would never occur to me to claim off my own insurance. Insurance is for accidents where the other party is at fault. There shouldn't be an option for claiming off your own except for fire and theft .

I agree.. its like stupidity insurance. People claim for stuff they should really suck up the bill for , and premiums go through the roof as a result.

My mate claimed for a new awning,as the wind destroyed his, I took 10 minutes to put mine away as it was forecast to get blowy , he left it out and it got ripped off.

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[Stealaway]

The trouble is most people aren't like you- they make mistakes!

 

[MikeD]

Don't forget you lose the "No accident" on every policy you have and every vehicle you use.

Lose of no claims can add to quite a bit. At one time I had about 10 motorbikes, a couple of cars, "on the insurance" of the son and the wife's car so it would have added up in my case.

 

[gus-lopez]

Thats why you pay for fully comp to have the option to make a claim fault if required.

Out of interest do you just have TPFT Insurance then?

Yes, only tpf&t on the MH due to age, as here in Spain full comp is no longer offered on any vehicle once it is a certain age. Very difficult after 5/6 years even with a vehicle from new to swop companies when wanting full comp.

Wot! Insurance company must love you. You pay the premium every year to cover you for an accident no matter who made the mistake. There is no no claims saving on MoHo's.

I don't have accidents. They are negligence on someone's part. If you were looking at paying the bill always you'd drive better. Same as no assistance should be given in accidents until the road is reopened. Would make people drive far better if they know they'll likely be left to die.

Slow prang reversing- £2.5 k.damage £250 excess. No NCB to lose No brainer for me. Be a few years before they get their money back but I bet they will try.

You'd have been more careful knowing you'd be footing any repair billl though.

The trouble is most people aren't like you- they make mistakes!

No,they are negligent. Mistakes are acts of God.

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[pappajohn]

Not only would your motorhome premium increase, so would the premium on EVERY vehicle you own at renewal.
One question on EVERY proposal.....have you made an insurance claim in the last five years/ever.
Or similar wording.

Contacting your insurer to enquire about a claim will be noted in your file....Even if a claim isn't made....and could increase your risk.
A mate had a dubious claim against him, a bloke said he ran him over at a junction, and told his insurer.
His no claim bonus was reduce immediately and had to pay a higher premium.
The accuser never did complete the claim or assist police enquiries but it took almost a year before police dropped the enquiry and insurers accepted there was no incident and reinstated his NCB.

 

[Stealaway]

Yes, only tpf&t on the MH due to age, as here in Spain full comp is no longer offered on any vehicle once it is a certain age. Very difficult after 5/6 years even with a vehicle from new to swop companies when wanting full comp.


I don't have accidents. They are negligence on someone's part. If you were looking at paying the bill always you'd drive better. Same as no assistance should be given in accidents until the road is reopened. Would make people drive far better if they know they'll likely be left to die.



You'd have been more careful knowing you'd be footing any repair billl though.


No,they are negligent. Mistakes are acts of God.

Rubbish - There is no god . We are all human and can never be perfect, unfortunately.

 

[peterc10]

The question that insurers ask does not say have you made a claim, but have you had any accident. From memory mine went on to say "whether you made a claim or not for that accident", or words to that effect. So whether you make a claim or not if you have an accident it could still effect your premium.

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