Motorhome insurance (1 Viewer)

[Robhug]

Which insurance company is the most cost effective

 

[Janine]

Hard question to answer - there are so many personal variables.

I have just switched from Advance to Caravan and Motorhome Club as they beat the nearest rival by £100.

 

[bobnick]

None

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[Spriddler]

Motorhome insurance is just as illogical as all other types of insurance in that people have very different experiences with the same companies and it seems to depend upon which way the wind is blowing at the time. You'll have to shop around just as most of us have to do at every renewal. In my experience it is better to call a company for a quote than to use their online quoting facility.

 

[BouncyBoatFolk]

Which insurance company is the most cost effective

The one that tailors its policy to your specific circumstances, but you could try Comfort or AIM, NFU
Mike

 

[Robhug]

Many thanks to all of you, sorted now. This morning was quoted 4.5k , managed to get down to £557 fully comp,breakdown, European travel,windscreen etc. So Adrian flux can do one will not recommend them.

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[Figaro]

Many thanks to all of you, sorted now. This morning was quoted 4.5k , managed to get down to £557 fully comp,breakdown, European travel,windscreen etc. So Adrian flux can do one will not recommend them.

Are you going to share with us who ?

 

[edgewood175]

Which insurance company is the most cost effective

I went with CAMC but as they came in at a good price but you had to take their membership to access the prices quoted.

 

[Ralphey]

Which insurance company is the most cost effective

I did Adrian Flux. It's going up 16% this year to £483 which is quite a mild increase. Mine is 2002 and LHD. Hope that's useful

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[Jacasino]

Just had a £667 renewal from Adrian Flux so tried a price comparison website, lowest quote £563 from - you’ve guessed it - Adrian Flux, I thought that stuff had stopped!

Will not be using AF again, we thought that we might need to make a claim after a young lad ran into us last year, after a very long wait for somebody to answer our call to their claim line number we discovered that we were talking to an outsourced agency and a lady who could barely speak English she was in a different time zone and wondering why we were talking about an accident that was going to take place some time in the future, even after we explained it to her I am not sure she understood - I am so glad it wasn’t a serious accident.

Ended up not claiming and paying myself as it happens.

 

[Jev88]

I posted recently a factor that I didn't know until now made all that much difference.....
Helped a friend replace a written off old runabout car.
Insurance company said this when she went on their app to check new car details effect on her insurance.....

Value car at £1000 - extra charge of £36
Value car at £2000 - extra £75
Value car at £1800 - REFUND of £136!!!

I may not have remembered the exact ££ but you see the madness of the system!

 

[Wh05apk]

I was getting quotes yesterday for a possible new van, and comfort seem to be anti "A" class now, there was a difference of nearly £1,000 between an "A" class hymer and the equivalent coachbuilt!

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[Pausim]

Which insurance company is the most cost effective

Individual circumstances seem to make a big difference. Some companies base prices mostly on post code, some have different value limits and some don’t provide enough windscreen cover for A Class motorhomes. Some have very limited contents cover but this may already be covered by your home insurance. Sometimes companies give big discounts to catch new customers but try to pull it back in later years. It may also depend on the broker. I use NFU but some of their branches aren’t interested in motorhomes (Brockenhurst and Chichester branches are good for motorhomes). You probably need to shop around to find the best prices and terms that suit your requirements.

 

[Lenny HB]

I was getting quotes yesterday for a possible new van, and comfort seem to be anti "A" class now, there was a difference of nearly £1,000 between an "A" class hymer and the equivalent coachbuilt!

Currently paying £434 for my A Class with Comfort just got a quote for the new van due in a few months. £1000 they said it was due to the value, they don't seem to like vans over £100k but now days not many vans under that.

 

[Lenny HB]

I posted recently a factor that I didn't know until now made all that much difference.....
Helped a friend replace a written off old runabout car.
Insurance company said this when she went on their app to check new car details effect on her insurance.....

Value car at £1000 - extra charge of £36
Value car at £2000 - extra £75
Value car at £1800 - REFUND of £136!!!

I may not have remembered the exact ££ but you see the madness of the system!

Happens with mileage as well, on my car I've been quoted more for 2000 miles a year than 4000.
Never though to play about with the value.

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[Zoshee]

Currently paying £434 for my A Class with Comfort just got a quote for the new van due in a few months. £1000 they said it was due to the value, they don't seem to like vans over £100k but now days not many vans under that.

I've not tried this yet but a friend of mine told me to look at "excess gap" insurance so you get a higher excess, reduce the cost of the insurance and then get the gap insurance to cover your excess. Wondered if anybody has used this?

New van is being quoted for me at over £750 per year which I thought was excessive. Last older van was £350 or so. Thats with Comfort as well.

Have they insisted on the CAT1 alarm and trackers as well?

 

[Lenny HB]

Have they insisted on the CAT1 alarm and trackers as well?

Yes, both if over £100k, NFU the same now they never required either before.

 

[The general]

a lady who could barely speak English she was in a different time zone

I feel your pain , i was passed on from the Philippines to South Africa then I demanded to speak to someone in uk which believe it or not happened !!!! It was to do with gas /electric ,

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[our poppy lll]

Wow! Some of the prices mentioned are great and some are horrendous!

My policy has just renewed, Comfort brokers.. Moho value classed as £105,990 first 3 years replace for new if wrote off. Maximum 90 days in Europe any one time. (Well that’s all Schengen allows.) Can’t leave it unattended more than 48 hours? Except at a repair shop or if on a ferry! Or at your home or storage unit!
It’s got 3 years tracking with sergeant.. they are good. Wheel clamp.
10k miles limit per year! Fully comp, £150 excess windscreen, £300 excess Moho damage!
Cost £632.23 (cant for the life in me understand the £0.23 bit,) but it’s only a 5%ish increase on last year. Fully comp. One driver me, clean licence 38 recorded years no claims on car (6 years no claims Moho) 3year, 3 year break, 2 year 5 month break, one year renewing..

Next year I’ll shop around…but it seems a fair price.
my Ford Edge Vignale is £460 my BMW 420d £380 ! My SEAT Ateca will be Euro 342. Renewal next month.

 

[Stealaway]

I've just rng comfort about my £890 premium.

They said they could reduce it by £50 if I reduce the mileage from 8000 to 6000.
Not much but a bit of a saving

Then said if you take your wife of the policy it would reduce it by about £300???
Eh?
Well she is 75 this year so that put the premium up.

Why don't they tell you these thing instead of just hitting you with price?? -- Do many people simply pay it without question??


It will also increase my premium next year when i get to 75

 

[The general]

Do many people simply pay it without question??

Well it just a computer generated wuote I suppose? Same with a lot of companies ?

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[Rapido925M]

I got my renewal for mid-April: up from £239 last year to £342 now (no changes to any criteria). Ageas is the underwriter in both cases (obviously, as a renewal).

So I've been doing the rounds: first CAMC - £257 with Ageas (better than the £25 they "guarantee." to beat a quote by).

SAGA: £265 via A Flux, who I wouldn't touch with a bargepole (even if they've raised their windscreen cover above £1500 where it has been every time I looked previously), then £274, £295 and upwards.
30 minutes later I get an email from Confused.com quoting exactly the same figures: hmm!

CCC: £406 was their best although they had an identical Ageas policy for £522 (more than double CAMC!). I'd just closed the browser when I got a phone call from them, to eventually be told "sorry we're not competitive this year. Try us again in 12 months".

Obviously, all quotes are on a like-for-like basis including key cover & legal cover, but compulsory excess varies between £100 and £450 (Ageas being the cheapest)

I shall keep looking!

Gordon

 

[CAB96]

I got my renewal for mid-April: up from £239 last year to £342 now (no changes to any criteria). Ageas is the underwriter in both cases (obviously, as a renewal).

So I've been doing the rounds: first CAMC - £257 with Ageas (better than the £25 they "guarantee." to beat a quote by).

SAGA: £265 via A Flux, who I wouldn't touch with a bargepole (even if they've raised their windscreen cover above £1500 where it has been every time I looked previously), then £274, £295 and upwards.
30 minutes later I get an email from Confused.com quoting exactly the same figures: hmm!

CCC: £406 was their best although they had an identical Ageas policy for £522 (more than double CAMC!). I'd just closed the browser when I got a phone call from them, to eventually be told "sorry we're not competitive this year. Try us again in 12 months".

Obviously, all quotes are on a like-for-like basis including key cover & legal cover, but compulsory excess varies between £100 and £450 (Ageas being the cheapest)

I shall keep looking!

Gordon

Why bother?

If I could get 257 versus 239 last year I would rip their arm off!

Anyway, more power to your elbow!

 

[Rapido925M]

The first 30 minutes of searching saved me £85, which I regard as a decent rate of success

The next 30 minutes just saw prices getting silly: Caravan Guard wanted £572.

I think I’ll go with CAMC (rip their arm off )

Gordon

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[Miggs]

I got the best price from LV. Also got a crazy cheap price for my car when I added that as an existing customer.

 

[Brian Thompson]

Which insurance company is the most cost effective

I think it's more important to make sure you have the right cover than the cheapest price. Reducing your annual mileage can make a big difference to the premium

 

[Mikeamapola]

I did Adrian Flux. It's going up 16% this year to £483 which is quite a mild increase. Mine is 2002 and LHD. Hope that's useful

My Adian Flux policy, on My Adria Twin, increased by over 25% ! to £620 . Part of the reason for the increase was their 'Policy fee' going up from £80 (which was high in the first place) to £106. Their other addon , as usual , was the issue fee of £30. Without all these costs the policy cost from the actual insurer would work out at less than £400. Adrian Flux ? would not recommend.

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[Bailey58]

If you're all answering the OP he's long gone!

 

[Stealaway]

I think it's more important to make sure you have the right cover than the cheapest price. Reducing your annual mileage can make a big difference to the premium

Reducing the mileage from 8k to 6k only saved around £50

 

[Davebee]

Which insurance company is the most cost effective

Our insurance renewal for our motorhome with CAMC went from £675 to £1075 this year! Rang our local NFU Mutual and arranged a better level of cover for £536. Very friendly staff to deal with and able to spread payment over 12 months at 0%

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