Look Closely At Motorhome Insurance Policy Small Print - Some Surprising Facts

Discussion in 'Motorhome Insurance General Discussion' started by Wombles, Nov 29, 2018.

  1. DDJC

    DDJC Funster

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    I'm new to motorhoming - ex-caravanner, so this is really helpful. Thanks.

    Asked Caravanguard (our tugger insurance) for a quote for our new Rimor. £1008 plus extra for driving in Europe!!! With a £200 vol excess!
    Got a similar quote from another one (General Accident, I think)

    Phoned Saga, £350 odd, fully comp for me and Mrs DDJC, NfO, up to 365 days comp cover in Europe. Vol excess £100. Didn't care about a collapsed awning I had a four years ago that ripped the side of the van and not interested in whether we had tracker, alarm, locked & alarmed gates, wheel claw, immobiliser, hungry wolves in the cab, etc, (we do have most of those things).

    However, I have read the two comments about Saga above and will be watching out, so thanks for that.
     
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  2. peterc10

    peterc10 Funster

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    I went for Saga for my first moho insurance If they treat you anything like they treated me you will find that they will double the premium in the second year for no reason at all and refuse to budge at all. So I suspect you too will be changing insurers at the end of the first year.
     
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  3. sueandjohn

    sueandjohn Funster

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    i had a similar problem with holiday insurance with saga - they made a mistake when i called them about a medical condition (1 condition recorded as 2 and slightly changed the wording). they cancelled my annual cover and asked for around £1200 for the one trip. Bargepole for me too
     
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  4. chaser

    chaser Funster

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    NFU ?
     
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  5. MichaelT

    MichaelT Funster

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    Are you accident prone or just like to have that level of cover??
     
  6. Wombles

    Wombles Funster

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    For us the level of cover on the policy that they offered wasn't better than elsewhere for the much higher premium (+50%) they were quoting but for those already having or taking out other policies with NFU they may then be more competitive overall & they are the top Which? car insurer so certainly one to try. We always ring both the main number & a few regional offices of NFU for any type of insurance quote.
     
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  7. Wombles

    Wombles Funster

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    Just want best level of cover for our money so if £50,000 Personal Accident (PA) available on a policy with the same terms as another with only £5,000 PA then would pay more for increased cover but even better when it comes in at the same premium!
    Most motorhome insurance policies that we looked at offer £15,000 to £25,000 as standard so £5,000 is low unless not needed for those who have PA on other policies.
     
    Last edited: Dec 4, 2018
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  8. Wombles

    Wombles Funster

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    Thank you for all your interest & messages :)
    Like choice of motorhome, choice of motorhome insurance is very much a personal one depending on what is important to the buyer so no one model or policy is best for everyone. We learnt a lot but sure we will have to keep on learning as all likely to change each year!
     
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  9. Wombles

    Wombles Funster

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    Look out for cross over in different policies that you may have:

    Worldwide Family Travel Insurance Policy as one of the benefits of Nationwide Flex Plus paid for account has £25000 Personal Accident Cover so some may already have some cover but again would need to check the small print to make sure it meets your requirements.

    If you already have Motoring Legal Expenses Cover which is often an add on to car insurance then you may not need to add this to a motorhome insurance policy. We get free LV Motoring Legal Expenses Cover as Boundless members (£26 per year) https://www.boundless.co.uk/ which is cheaper than the £30 that Saga quoted but they agreed that we only need to have one MLE policy to cover any vehicle so no need to add it for the motorhome (y)
    We have been members of Boundless for many years as that also gives a discount on many LV policies (motorhome, car, home & travel) so for us more than pays for itself (especially with free MLE) & other extra member benefits too including ferry discounts.
    To join Boundless which is part of the Civil Service Motoring Association (CSMA) you used to have to be civil service or public sector workers or their family but now friends of current members can join too so we are happy to refer our Funster friends :)
    LV are a Which? Best Buy insurer & they were the cheapest for us for the motorhome even with the option of £100,00 PA cover but only one year New For Old which as ours is two months old only covers 10 months & ideally we would like it to have NFO for the next three years.
     
    Last edited: Dec 4, 2018
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  10. Wombles

    Wombles Funster

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    Having just checked being a Boundless member gives discount on more LV insurance policies https://www.boundless.co.uk/save-more/lv-insurance than mentioned above so also Brittania Recovery (check length & weight limits), travel insurance, motorbike, classic car, caravan & landlord insurance too - would have added these above but too late to edit it.
    Always good to shop around but if LV works out as best choice then a bit of extra discount is helpful.
     
    Last edited: Dec 4, 2018
  11. MopedMan

    MopedMan Funster

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    Caravan Guard would not insure me because I have storage in the UK during Winter. In Summer we base ourselves at our static caravan in France, where we use our moho on a weekly basis, anything from one night to five weeks away. Although the moho is parked right next to our static and if not away in the moho, we're in the static. Caravan Guard insisted it was in storage. I have had a moho for seven years and had no claims.
     
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  12. pandas

    pandas Funster

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    For us with an A Class the key points of difference to look out for with a specialist motorhome insurance outside of the normal excess, no claims bonus etc and cost - not in order; A Class windscreen excess, breakdown cover/recovery of the vehicle, level of security required, new for old, understanding of the sector and reputation. It also counts if they look after you on renewal as do not want to have to shop around all the time.
     
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  13. P Jones

    P Jones Funster

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    no thanks ,pj
     
  14. tonyidle

    tonyidle Funster

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    I looked up NFU on Google (I do know who it is!) just for fun. Two it came up with were "No First Use" and "Non-Financial Update".
     
  15. denisejoe

    denisejoe Funster Life Member

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    Had a quote from LV for car renewal also with boundless was a loyal customer but tried their web site as new policy and got a quote £80 cheaper without the boundless discount, phoned to see if they could match and they said no but could knock £25 off quote?
     
  16. jonegood

    jonegood Funster

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    Interesting the different experiences. We ve been with Saga for 5 years now, when we took it out I was expecting it to be a one-shot but so far they keep coming back with a reasonable renewal, we re paying £300 pa granted we have a 12 year ncd and a good postcode.

    Just getting close to renewal time now though.....

    Jon
     
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  17. Camdoon

    Camdoon Funster Life Member

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    When I looked at the LV cover for motorhome contents, it was the same as a car at circa £100 (£500 for the radio). With Laptops, tablets and phones; never mind plates, cutlery, clothes, bedding and everything in the garage, fire or theft would have been costly; the policy was of no use whatsoever. We have cars and home insurance through LV but not the motorhome. They would be my favourite option if they had changed.
     
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  18. P Jones

    P Jones Funster

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    breath in deep and go some were else,keep looking, they all do it, all the best ,pj in notts.
     
  19. Wombles

    Wombles Funster

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    LV stated £1000 for motorhome contents which isn't great but can use house insurance "personal possessions away from home cover" (£2500 for LV) in event of a claim which depending on home insurer could be adjusted to a higher amount. For us just one year (10 months for two month old motorhome) New For Old rules it out this time but overall with option of £100,000 Personal Accident cover it rates very well otherwise & competitive pricing.
     
  20. Wombles

    Wombles Funster

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    Think that like for savings, broadband etc insurance companies often offer a better deal for the first year to new customers - being loyal doesn't count for much but politely suggesting leaving them often does result in retention discount - this doesn't always work though https://www.motorhomefun.co.uk/foru...ally-changed-broadband-phone-supplier.183976/ . For our car LV were competitive on renewal but we also got a slightly cheaper quote as a "new customer" so called & matched that then Boundless discount reduced the premium further. The renewal quote for the motorhome was one of the best pricing wise but didn't try & reduce it further as it didn't match our required criteria (see above) this time.
     

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