Kids using the motorhome - on your or their insurance?

Discussion in 'Motorhome Insurance General Discussion' started by MisterB, Mar 26, 2018.

  1. MisterB

    MisterB Funster

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    Having just purchased a motorhome and insured it fully comp of course, how should insurance be arranged for the kids to use it? they're all over 25 and as the mh is under 3.5 tonnes there are no licence issues.

    do other parents find it easier just to add the kids onto your insurance for the odd occasion they would use it (of course if they ARE allowed to use it lol) or do you 'suggest' they arrange their own insurance?
     
  2. eddievanbitz

    eddievanbitz Trader - Funster

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    We debated it, and decided it was better for them to get their own insurance and their own Motorhome when they asked
     
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  3. GeoffChausson

    GeoffChausson Funster

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    I have had them added to my insurance. A lot of the motorhome insurances are specialist and tend to be NET policies where they do not build up a no claims bonus. The same as used on classic car insurance. I guess it depends on how your insurance is if standard you can get protected no claims and as such have a limited claim allowance before your no claims is affected. My two are excellent drivers and would have no hesitation in paying extra if they had had a claim and it affected my policy cost in the future. I think (like I guess you do) although I bought the van it's just a facility the whole family can use
     
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  4. davidbaldam

    davidbaldam Funster

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    No, no, no, never let your kids use your Motorhome or anyone else for that matter. :)
     
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  5. sdc77

    sdc77 Funster

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    Avoid lending it out. You'll probably regret it.
     
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  6. Reallyretired

    Reallyretired Funster

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    Fortunately my kids licences wont allow over 3500 so I dont need to tell them they cant borrow it.
     
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  7. Larby

    Larby Funster

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    The youngest doesn't have C1 although I would trust him, the eldest has C1 but no chance unless I wish to see it depart on high revs and possibly a 11 in the road.
     
  8. obanvanman

    obanvanman Funster

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    Not sure why I am even reading this thread.

    We didn't have kids. :Grin:
     
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  9. grumps147

    grumps147 Funster

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    SWMBO used to have a C1 prior to age renewal, but no way would she have driven the MH. We did not have to challenge it fortunately, but our medical insurance cover would not recover the vehicle if I was incapacitated if the other driver present,SWMBO, had the licence cover. Given that the need for a second driver could occur over a weekend when insurance offices are shut, we added our sons (both well capable). They never took us up on the offer to use, even for a long weekend, but were there as our insurance for the wheel coming off.
    It cost us a lot more over the years. If insurance offices had opened every day (the ones we used), then it’s possible we would have left them off and added them for the emergency purpose.
    Everyone’s choices for this are personal and different, just make sure you check the small print of not only the vehicle insurance, but also your health insurance recovery section.
     
  10. Mr B

    Mr B Funster

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    After doing over 3 weeks touring in Europe last year, our son (31 next) decided that our A class is a bit too big for his liking:)
    And our daughter would not even ask, knowing that the resulting “no way” would be the answer.
    :rolleyes:;)
     
  11. MikeD

    MikeD Funster

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    It was only around £9 to add both our kids to the motorhome insurance policy for the year. (y)
     
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  12. DBK

    DBK Funster

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    The only safe way is to add them to your MH insurance. Their insurance may have something in the fine print or even just a phrase they can use to escape paying out. For example, not covering a vehicle used for living in.
     
  13. Rockcrawler

    Rockcrawler Funster

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    Luckily ours is 5 ton:D:D:D:D:D:D:D:D
     
  14. Rockcrawler

    Rockcrawler Funster

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    You lucky sods:whistle:
     
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  15. MisterB

    MisterB Funster

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    so, it seems as though not everyone wants to share their toys ..... though as they're very expensive and sometimes personal toys, I can understand that.

    as for us, we're happy to let the kids get benefit out of something they couldn't afford to buy themselves and not just on the basis that when we've gone whats left is theirs, if that's reduced a bit because of mishaps, then ether they get less, the government gets less or a care home gets less - I would rather see them get some benefit while they're young and can take their children on adventures !!

    I will speak to my insurance broker (adrian flux) to see what the cost would be and take it from there but more than happy to receive more info before I make a final decision.

    do the toy sharers do it an ad hoc basis or an annual basis?
     
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  16. GeoffChausson

    GeoffChausson Funster

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    Hi. We put ours on annual basis,prefer them to be using it than sat on drive. Our children can use any of our cars, all covered for them in case they have problems with their own ones
     
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  17. trophychap

    trophychap Funster

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    Unless you sign over the ownership of any vehicle to them or make the other person it's registered user (both on the logbook) - the other person cannot insure that vehicle.

    That is the Law.

    End of story!
     
  18. motorhomer

    motorhomer

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    No its not!
    Some insurers may not do it but there is nothing in law to stop anyone buying insurance to drive someone else's vehicle. However most companies only offer 12 months insurance but there are a few that sell temporary insurance for up to 28 days.
    However I do think its much better just to add them to your policy.
    Another thought is that if you ever get stranded and unable to drive for any reason, your offspring might be the best people to help out. This could be a good reason to keep the weight below 3500kg.
     
  19. MikeD

    MikeD Funster

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    The only law bit for insurance is that you must have third party insurance as a minimum

    Some insurers may not offer cover for a vehicle you dont own but that does not make it a law
     
  20. Cheshirecat57

    Cheshirecat57 Funster

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    We have put my son and my son-in law onto the policy (age 36 and 40 respectively) total of £60 pa extra

    Son has Cat C anyway so the overweight argument didn't work
     

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