My first motorhome insurance - where to start?

[chenderson1965]

Hi. I have just retired and we are about to buy a motorhome. Probably an a class in the £50,000-£60,000 range. It will be stored in the road outside our house as we don’t have any choice about this.

I’ve had a little look at the comparison websites for insurance and it seems that they are extremely sensitive to security equipment.

I have two questions, therefore,

1) What is the best place to start to get quotes? Are all the comparison websites the same or are some better than others? Are there any motorhome insurance providers who don’t subscribe to the comparison sites who are also worth getting a quote from?

2) Which additional security items produce the best improvements in insurance quotes? I’ve seen references to Thatcham immobilisers, clutch claws, wheel clamps, additional wheel clamps (presumedly meaning two rather than one) and a variety of other things. What gives you the best value on the quote for the least aggravation and cost?

Thanks a million.

Chris

 

[pappajohn]

Insurance will always depend on various factors, your personal details, postcode, driving record, storage, value etc so its impossible to say this or that insurer is better.
If you use the search function and the review section on here there will be quite a few hours worth of reading about different companies.

 

[Jev88]

I can only recommend what I used.
Grove and Dean are a broker and search lots of companies for you and include breakdown for any age MH, very important for my older van. Even with their commission was best price.

 

[TerryL]

Hate to burst your bubble but from various comments I've read on here I think you'll have difficulty at getting cover for a motorhome of that value when it's parked on the road at anything like a reasonable price. You'll need to call all the brokers, endure the sharp intake of breath then be prepared to sit down when they demand your left arm and leg in payment! Seriously, though, you will get someone to quote, just how much it's going to be so suggest you start right away.

Hopefully someone can come up with a contact for you.

 

[daveandsan]

You may struggle to find insurance if the motorhome is stored on the road.

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[Pausim]

I have been pleased with NFU but I don’t think they will be found on the comparison sites. No stipulations about alarms and trackers, though a discount may applied with some trackers. No longer taking new business for motorhomes over £75,000 value. Some of their offices are not interested in motorhomes and others are very keen, their Brockenhurst office has been very helpful. Post Code seems to be the main factor with them.

 

[tonka]

As said above. There has been a thread on here where the poster was struggling to get any insurance for parking in the road... So before you commit any cash check that out. !!!

Ps. I found the thread but the poster ran out of free posts, never paid to join and so no feedback on this. Apart from 1 high premium of over £600 quoted and the van was a self conversion.

 

[The Dudess]

Agree with the above - parking on the road will attract a very heavy premium or a downright refusal. You might find this useful.

CaSSOA (Caravan Storage Site Owners’ Association)

We represent caravan storage site owners’ across the UK & work towards minimising caravan theft by promoting the highest levels of security.

www.cassoa.co.uk

 

[Cheshirecat57]

Hi. I have just retired and we are about to buy a motorhome. Probably an a class in the £50,000-£60,000 range. It will be stored in the road outside our house as we don’t have any choice about this.

I’ve had a little look at the comparison websites for insurance and it seems that they are extremely sensitive to security equipment.

I have two questions, therefore,

1) What is the best place to start to get quotes? Are all the comparison websites the same or are some better than others? Are there any motorhome insurance providers who don’t subscribe to the comparison sites who are also worth getting a quote from?

2) Which additional security items produce the best improvements in insurance quotes? I’ve seen references to Thatcham immobilisers, clutch claws, wheel clamps, additional wheel clamps (presumedly meaning two rather than one) and a variety of other things. What gives you the best value on the quote for the least aggravation and cost?

Thanks a million.

Chris

If you store it at a nearby Cassoa Gold Site, it will cost you less than £500 a year, and will open the more reasonable insurers to you...like Comfort for (one) example
Comfort require a tracker if over £55k list pri

 

[Jev88]

For the record my broker (Grove & Dean) were made aware of the parking on road occasionally and the resulting cost went up a whole £15. However, My MH is roughly £15K and older.

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[chaser]

Nfu always worth a try , if they do accept you it won't be the cheapest but they are far more lenient on conditions.

 

[chenderson1965]

Thanks for your helpful replies and comments. Having you happy hours on the telephone to various different brokers I have found a policy for just under £600. As predicted by some of you, there weren’t many companies prepared to quote (or at least anything like a reasonable level). The problem seem to be our postcode (central Nottingham), the on street parking, my lack of any motorhome no claims and also my wife’s claims record on her car (she had a couple of at fault claims about three years ago.

All is well that ends well, however, so thanks again for all your suggestions.

Chris

 

[hdj42]

We pay Full Comp £390 for our Burstner, off road but accessiable to the public,
Thatcham 1 fitted, no tracker

Our first motorhome in 2005 we paid £245 so good value for money

I seem to change Insurance company every Year, we started with Adrian Flux, now we are with Caravan Gaurd, NFU there are about 20 out there, also try Axia Direct

Dont rely on Comparrison websites when it comes to motorhomes

 

[Big D]

Hi. I have just retired and we are about to buy a motorhome. Probably an a class in the £50,000-£60,000 range. It will be stored in the road outside our house as we don’t have any choice about this.

I’ve had a little look at the comparison websites for insurance and it seems that they are extremely sensitive to security equipment.

I have two questions, therefore,

1) What is the best place to start to get quotes? Are all the comparison websites the same or are some better than others? Are there any motorhome insurance providers who don’t subscribe to the comparison sites who are also worth getting a quote from?

2) Which additional security items produce the best improvements in insurance quotes? I’ve seen references to Thatcham immobilisers, clutch claws, wheel clamps, additional wheel clamps (presumedly meaning two rather than one) and a variety of other things. What gives you the best value on the quote for the least aggravation and cost?

Thanks a million.

Chris

Hi just bought my 1st A class absolute nightmare to insure as soon as you say roadside parking they refuse insurance .if you get one i would love to know who from cheers

 

[Jev88]

Hi just bought my 1st A class absolute nightmare to insure as soon as you say roadside parking they refuse insurance .if you get one i would love to know who from cheers

Try Grove and Dean brokers.

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[pandas]

If you store it at a nearby Cassoa Gold Site, it will cost you less than £500 a year, and will open the more reasonable insurers to you...like Comfort for (one) example
Comfort require a tracker if over £55k list pri

Really worth going to a storage facility from the viewpoints of; insurance, piece of mind and a bit more neighbourly perhaps.

 

[Hymer 1961]

Hi. I have just retired and we are about to buy a motorhome. Probably an a class in the £50,000-£60,000 range. It will be stored in the road outside our house as we don’t have any choice about this.

I’ve had a little look at the comparison websites for insurance and it seems that they are extremely sensitive to security equipment.

I have two questions, therefore,

1) What is the best place to start to get quotes? Are all the comparison websites the same or are some better than others? Are there any motorhome insurance providers who don’t subscribe to the comparison sites who are also worth getting a quote from?

2) Which additional security items produce the best improvements in insurance quotes? I’ve seen references to Thatcham immobilisers, clutch claws, wheel clamps, additional wheel clamps (presumedly meaning two rather than one) and a variety of other things. What gives you the best value on the quote for the least aggravation and cost?

Thanks a million.

Chris

You are about to spend a serious amount of money. First make sure your investment has adequate security protection. Like others on here I highly rate the Growler and Non Starter from Vanbitz. (Plenty of info on this forum on security)
Parking any Motorhome on the street carries risk and insurance companies like Comfort don’t like risk. For peace of mind find a secure parking facility nearby, pay the fees and sleep easy at night.

 

[chenderson1965]

Hi just bought my 1st A class absolute nightmare to insure as soon as you say roadside parking they refuse insurance .if you get one i would love to know who from cheers

Hi, we found that no-one would even cond]sider us without a Thatcham 1 alarm and Thatcham 6 tracker. With those the choice was still very limited but Performance Direct/Grove and Dean (two companies but they seem to be closely related somehow) quoted and the premium wasn’t too crazy (around £750) because they were prepared to mirror the no claims from my car even though I had no motorhome no claims.

In the end a farmer friend of ours agreed to let us keep it there, which has halved the premium - but without the £400-£500 you’d have to pay for secure storage.

Good luck with it!

 

[Cheshirecat57]

If it is stored on the drive.....everone knows when you are away

 

[Three wheels]

Considering all the above , one consideration is!!!
If the MH is parked out side for a long period, then when it´s not there ????????

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[P Jones]

Hi. I have just retired and we are about to buy a motorhome. Probably an a class in the £50,000-£60,000 range. It will be stored in the road outside our house as we don’t have any choice about this.

I’ve had a little look at the comparison websites for insurance and it seems that they are extremely sensitive to security equipment.

I have two questions, therefore,

1) What is the best place to start to get quotes? Are all the comparison websites the same or are some better than others? Are there any motorhome insurance providers who don’t subscribe to the comparison sites who are also worth getting a quote from?

2) Which additional security items produce the best improvements in insurance quotes? I’ve seen references to Thatcham immobilisers, clutch claws, wheel clamps, additional wheel clamps (presumedly meaning two rather than one) and a variety of other things. What gives you the best value on the quote for the least aggravation and cost?

Thanks a million.

Chris

im using adrian flux in kings lynn at moment,been good. ok.pj

 

[Reallyretired]

I have only parked my mh on the road outside our house once. I think if it was there all the time neighbours would be justified in complaining. Our storage site is 13 miles away so a bit inconvenient but nearest we could find.

 

[jongood]

Really worth going to a storage facility from the viewpoints of; insurance, piece of mind and a bit more neighbourly perhaps.

100% agree. Even if you get insurance, you are likely to get lots of small damage which if you keep claiming will soon wreck your claims record.

 

[Kev and Ju]

This wont help to reduce your insurance quote / premium but for peace of mind on the security front. When leaving your MH unattended for a period (whether on site or otherwise), does anyone remove any of the vehicle's main fuses / relays that operate the engine management / fuel injection system? Surely removing a key relay / fuse has got to be the ultimate theft protection as no potential theif is going to arrive with a pocket full of replacements and the only way its going to be stolen is being towed away. Just a thought.

 

[HandyAndy]

Giving the fuel cut off switch a good tap to get it to pop up is always a good one too, not obvious either. (But admittedly easy to reset)

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[Southdowners]

We use NFU Chichester branch (cover varies from branch to branch we've found).

They don't require a tracker or any of the other items listed in your original post.

 

[HandyAndy]

Got my very first insurance for a MH through being a CAMCLub member. 0 years no claims, (because they wouldn't take 9 years from my expired discovery policy because it wasn't a motorhome policy) 0 added security, 25k insurance value.. £600. Didn't think that was too bad. Added a Cat 1 Thatcham this year, rang them and they said it made no difference ??

 

[Kev and Ju]

After contacting many companies and brokers to include AIB, Adrian Flux, and Caravan Guard I decided to go with Grove and Dean for their level of cover, the manner in which I was dealt with / efficiency, and of course price. I appreciate that there are many many other companies out there but at some point you have to narrow it down to a shortlist. So fully comp on a £60k 2017 Bailey Autograph with 90 days F/Comp cover in Europe plus an endless host of other benefits to include homestart / UK breakdown, I thought £270 that was pretty good value and at the end of the day that was all I really wanted.

 

[Cheshirecat57]

After contacting many companies and brokers to include AIB, Adrian Flux, and Caravan Guard I decided to go with Grove and Dean for their level of cover, the manner in which I was dealt with / efficiency, and of course price. I appreciate that there are many many other companies out there but at some point you have to narrow it down to a shortlist. So fully comp on a £60k 2017 Bailey Autograph with 90 days F/Comp cover in Europe plus an endless host of other benefits to include homestart / UK breakdown, I thought £270 that was pretty good value and at the end of the day that was all I really wanted.

Just don't expect “£60k” for your 2 year old Autograph if anything happens to it

 

[TerryL]

That looks an excellent price, but I'm sorry IMHO at bit too good! Did no-claims record have anything to do with it?
Hope you never have to test it out.

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