No Claims Discount?

Oct 29, 2019
7
6
Funster No
66,417
MH
Currently looking
Exp
returning
Just got a quote for MH insurance for around 300 quid online, with assumption of 9+ years no claims discount. Then when I phone them, they said that the 9+ years NCD wouldn't apply, as it was used for my car, so I effectively have no NCD for my MH insurance. 850 quid please! Is this normal???!!!
 
Jun 17, 2012
2,461
5,856
North Essex
Funster No
21,517
MH
Autotrail Delaware
Exp
>7 but <8
Just got a quote for MH insurance for around 300 quid online, with assumption of 9+ years no claims discount. Then when I phone them, they said that the 9+ years NCD wouldn't apply, as it was used for my car, so I effectively have no NCD for my MH insurance. 850 quid please! Is this normal???!!!
The amount is not normal, very excessive
 
Sep 26, 2013
2,470
1,956
Market Rasen
Funster No
28,295
MH
Self Build
Exp
Since 2003
I have separate no claims allowances for the car and van, both being 9 + years.
There are insurance companies who work on a net basis where they do not need or use any no claims allowance but they don’t let you build any up either.

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Feb 22, 2011
3,606
3,527
Newcastle under Lyme
Funster No
15,397
MH
Hymer B544 A Class
Exp
Since 2015
I don`t think they take account of NCD but the premium seems excessive.
Was it a specialist motorhome policy ?
Try one of the specialist companies / brokers eg AIB, safaguard, Comfort, NFU frequently recommended on here.
 
Reactions: f6c

tonka

LIFE MEMBER
Jul 2, 2008
8,190
11,669
Cannock, Staffs or Benidorm, spain
Funster No
3,141
MH
A class Burstner
Exp
Since 2000
What Figaro said.. Only try specialist insurers as listed (y)
Forget online comparisons companies.

Comfort website do an online quote, give that a try BUT with motorhomes I have found it really needs a phone call.
 
Jul 2, 2017
391
257
Pr9 9qs
Funster No
49,297
MH
Adria matrix 670sl
Exp
2016
Just got a quote for MH insurance for around 300 quid online, with assumption of 9+ years no claims discount. Then when I phone them, they said that the 9+ years NCD wouldn't apply, as it was used for my car, so I effectively have no NCD for my MH insurance. 850 quid please! Is this normal???!!!
A few of the specialist insurance firms will mirror you’re car no claims as long as you send them proof

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Nov 4, 2018
21
42
Durham
Funster No
57,074
MH
Van Conversion
Exp
I'm a newbie
Brentacre mirrored my car no claims bonus.
 
Aug 5, 2018
1,484
3,352
Cheltenham
Funster No
55,394
MH
Burstner T-625
Insurance through CAMC wouldn't honour my 9+ year NCB from my discovery, said it had to be on a motorhome 🤬 now that the discovery is sorn and insurance expired so I've lost that too 🤬🤬🤬🤬🤬🤬
 
Oct 29, 2016
1,861
6,774
Camberley, Surrey
Funster No
45,842
MH
Carthago C Tourer
Exp
Ex Tuggers, 2 years into Mohoing, FLT wannabies
Insurance through CAMC wouldn't honour my 9+ year NCB from my discovery, said it had to be on a motorhome 🤬 now that the discovery is sorn and insurance expired so I've lost that too 🤬🤬🤬🤬🤬🤬
Thats bad news HandyAndy
I am in the same position in that when we got the new van 2 years ago, Comfort gave me a decent quote for a van worth over 80K, but also said at the time, that my 14 years NCD would not have made the policy any cheaper as they quote for Net Premiums therefore not reduced by NCD.
I have been on wifes car policy as 2nd driver now for the last 5/6 years, my own car is stored and sorned, so not needed to insure it separately.
I have just realised that I have probably lost my initial 14 years NCD, plus no claims in last 5/6 years as well.
What a bummer, especially as the sorned car is a high performance classic.:doh:
LES

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Aug 5, 2018
1,484
3,352
Cheltenham
Funster No
55,394
MH
Burstner T-625
Yea properly annoying, I've always had at least two policies running, one for toys and one for the daily grind. Having three policies didn't make any financial sense 😫
 
Sep 1, 2019
110
195
Funster No
63,720
MH
Hymer 588
Exp
Since 2011
It seems that insurers will apply a penalty if you've had an accident in any vehicle but only applies a NCD for the one in question. Also a NCD doesn't stop insurers from raising the premium at renewal.
 
Jun 17, 2012
2,461
5,856
North Essex
Funster No
21,517
MH
Autotrail Delaware
Exp
>7 but <8
Don't offer to change cam-belt on a Kia Sedona, the book say "Remove engine"!!

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Feb 3, 2018
2,018
1,410
Mid Cheshire
Funster No
52,244
MH
None
Exp
Had Enough
Just got a quote for MH insurance for around 300 quid online, with assumption of 9+ years no claims discount. Then when I phone them, they said that the 9+ years NCD wouldn't apply, as it was used for my car, so I effectively have no NCD for my MH insurance. 850 quid please! Is this normal???!!!
Ring Comfort
They dont use NCB in any case, just mega cheap if you have not had a claim in last 5
 
OP
D
Oct 29, 2019
7
6
Funster No
66,417
MH
Currently looking
Exp
returning
So I went with quote from Comfort, £350. £500 cheaper than Caravan Guard. Lower excess as well.
 
Feb 5, 2018
29
623
Colchester
Funster No
52,278
MH
Globecar Campscout
Exp
Minimal, but learning fast.
We had a nightmare getting any insurance on our van earlier this year. (And would likely have had the same problem with any vehicle at that time). It was really easy to get an online quotation from all and sundry - specialists and the rest. When it came down to it, through a cocktail of bad motoring luck and himself having had a company car for many years, we ended up paying a ridiculous amount. I only hope it will have come down to something sensible-ish when we renew. We had to speak to about half a dozen companies and the variation between quotes was huge, mainly because of their assumptions. Moral of the story - we should have kept my 17yr old car and let him be responsible for driving it for a few years, which would have given him some motoring history and NCD to play with when the company car vanished.

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Sep 18, 2015
315
192
Selby, North Yorkshire
Funster No
38,564
MH
Rapido 8066DF
Exp
I was a newbie
DONT know if this would work but you lose all your NCB after 2 years of not having any insurance so to keep your NCB could you insure one in vehicle in different names on alternate years.
 
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