Insuring new van .........HOW MUCH !!!!

Discussion in 'Motorhome Insurance General Discussion' started by Chockswahay, Jun 25, 2018.

  1. Chockswahay

    Chockswahay Funster

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    Right then, I've taken a few quotes this arvo.......

    New Van £57000
    Fully Comp
    Max NCD (protected)
    Legal protection
    Both of us no offences ..... blah blah
    12000 miles per yr estimated

    Prices range from £630 to over £800 !!

    And Comfort said 'well if you are renting your house out while you go away, then you are FULL TIME! £800 min!

    So where am I going wrong? How does every one else managed £300 to £400? Are you all driving old bangers? or just doing a few miles around the block?

    I am confused, I need to lie down in a dark room for a while :confused::eek:
     
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  2. Robert Clark

    Robert Clark Funster Life Member

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    From memory we pay about £600 for a new van value over £120k with NFU Mutual
    That’s based on over 20k miles and new for old replacement during first 2 years
     
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  3. mike mcglynn

    mike mcglynn Funster Life Member

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    My Van is 9 years old and I have just renewed with the CCC with UK and Euro breakdown fully comp. £514.19 so like everything these days things are costing more I could have shopped around and saved maybe £80 but I am happy with CCC .
     
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  4. Chockswahay

    Chockswahay Funster

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    Mmmmm, thanks @Robert Clark I'll give em a buzz in the morning :D2
     
  5. Stealaway

    Stealaway Funster

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    Just think of it as 1 months rent?
     
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  6. Lenny HB

    Lenny HB Funster

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    I think it's the 12000 miles that's bumping it up with Comfort.
    We pay £385 van insured for 75k & 8000 miles, I think 10000 puts about £50 on it, over 10000 with Comfort it then becomes unlimited.
    Bear in mind NFU will only give you 3rd party cover for Croatia and some other countries that other companies give you full cover for.
     
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  7. Minxy Girl

    Minxy Girl Funster Life Member

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    If you are indeed renting out your house and 'living' in the MH then you ARE full-timing and that is much more expensive than 'holiday' MH insurance.

    What exactly are you telling them ...?
     
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  8. Chockswahay

    Chockswahay Funster

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    Well that's the thing, when they asked me 'will you be renting your house out?' I did say yes (but)...........

    The 'but' is that we will rent it whilst we cruise around UK looking for another one to buy to live in....... sort of temporary:cautious:

    On the other hand C&CC said 'we don't care as long as you have registered address in UK'

    :confused::confused:
     
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  9. Southdowners

    Southdowners Funster

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    Try NFU. We were with comfort but they felt that 10K a year mileage was high. NFU had no limit on mileage and was cheaper.
     
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  10. The Dotties

    The Dotties Funster

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    If you’re feeling the pinch getting the money together, I have heard a romour that a certain airline is looking for a pilot:)
     
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  11. TerryL

    TerryL Funster Life Member

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    Once again wildly different quotes for ostensibly the same details - I can never understand it.

    I can only think that it's something to do with your postcode; that did create a huge difference for me when I changed storage. Until I had a nice chat with the people at Comfort who sorted it out for me.
     
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  12. fireblade2000uk

    fireblade2000uk Funster

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    Just renewed with Saga. 5k miles per annum, GBP350 excess premium GBP392 with 1 years NCB.
     
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  13. Badknee

    Badknee Funster Life Member

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    I also think postcodes have a lot to do with it, ours isn't great sadly.
     
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  14. Theonlysue

    Theonlysue Funster Life Member

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    If you're full timing its a different scenario. If you cant produce utility bills for the address in your name you are full timing. According to comfort its unlimited milage even if you dont eant it.
    Its not postcode dependent. And if new, they will replace with a new vehicle if written off in the first 2 or 3 years.
    You could try AIB in southampton who also are underwritten by Aviva.
    £800 not bad. Have met folk paying nearly £3000 and im sure others are paying more!!
    Your hands are a bit tied here.
     
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  15. stewartwebr

    stewartwebr Funster Life Member

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    Too many variables in each and everyone of us to compare. One of us could get a good quote from a company and the other could be way off the mark in terms of price, no idea how they work it out. What I would say is that in comparison to a car MH Insurance still remains a bit of a bargain. Try insuring an 58K car and see what the premium is. I have been with the CMC for years and they work for me. Others swear by Comfort but they have never worked out anywhere near the CMC for me.
    Good luck and I hope you both have a great time in your new adventure.
     
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  16. Southdowners

    Southdowners Funster

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    Postcode does matter a lot insurance-wise, also where the vehicle is stored.

    It is odd though at times. I’ve heard folk on the forum say that NFU won’t quote at all for them, when we found them to be one of the best in terms of price and cover. There also appears to be a difference in what each branch will cover. We used the Chichester branch of NFU by the way OP.
     
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  17. sallylillian

    sallylillian Funster Life Member

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    Insurance in principle is a very individual service with so many variables and for the most part now digitally controlled without human intervention, having said that clearly some companies are seemingly stupidly high as I found recently with a short sojourn to Flux whilst doing Croatia, now back to NFU. As @Lenny HB says NFU do not provide better than 3rd party in Croatia but the only EU country restriction as far as I am aware. I have savings with them as I have 2 cars and the van and have been with them for 7 years now. The van is stored in a locked barn with CCTV.
     
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  18. DBK

    DBK Funster

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  19. Chockswahay

    Chockswahay Funster

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    @DBK haha, that's true! so is it because I have said I'm retiring next week? (perhaps I should list myself as Freelance Pilot, I might do a little here and there) :LOL:
     
  20. DBK

    DBK Funster

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    As long as it's not flying parties to Magaluf. :)
     
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