- Apr 30, 2014
- 6
- 1
- Funster No
- 31,248
PROBLEM INSURANCE!
Recently, whilst touring Bezier in Southern France, our motorhome was broken into. They broke a window to get in and stole various items including a laptop, ipad, satnav, amd my wifes handbag, which had passports, cash and credit cards inside. The alarm was on and everything was out of sight, but they still managed to find them. All this was reported to a police station from where we obtained a stamped report.
On arriving home I made a claim on my insurance for damage to the vehicle and for personal items lost. My agents are Advance Insurance Agents who use victor Millwell for their brokers, who also trade as Comfort Insurance, and Aviva are their underwriters. I understand a very large percentage of the motorhoming community use these companies.
When I took out this insurance I specifically asked for personal effects cover and was assured I was covered for up to £3000. Whent the certificate arrived endorsement 16b clearly stated cover up to £3000 for pesonal effects. There was a booklet with the paperwork, which I briefly read (my mistake), although this did not arrive until some time later when I had agreed and paid for the insurance.
It turns out that there is a £200 excess on vehicle damage and a further £200 excess on personal items, except this does not cover items such as lap tops, cameras,sat navs,passports, cash etc. The list is endless. What it does cover however is bedding, cooking utensils and luggage. Why would you need luggage in a motorhome and who is going to steal your saucepans?
To put icing on the cake, it cost £95 each for emergency travel documents, which can only be used once, and a further £72 each for new passports. None of which is recoverable on our insurance.
Up to now it has cost us about £1000 before we start replacing any of the items stolen. Needless to say we will not be using this company again and we will check the smallprint first before signing anything.
Fred Allen-Birmingham
Recently, whilst touring Bezier in Southern France, our motorhome was broken into. They broke a window to get in and stole various items including a laptop, ipad, satnav, amd my wifes handbag, which had passports, cash and credit cards inside. The alarm was on and everything was out of sight, but they still managed to find them. All this was reported to a police station from where we obtained a stamped report.
On arriving home I made a claim on my insurance for damage to the vehicle and for personal items lost. My agents are Advance Insurance Agents who use victor Millwell for their brokers, who also trade as Comfort Insurance, and Aviva are their underwriters. I understand a very large percentage of the motorhoming community use these companies.
When I took out this insurance I specifically asked for personal effects cover and was assured I was covered for up to £3000. Whent the certificate arrived endorsement 16b clearly stated cover up to £3000 for pesonal effects. There was a booklet with the paperwork, which I briefly read (my mistake), although this did not arrive until some time later when I had agreed and paid for the insurance.
It turns out that there is a £200 excess on vehicle damage and a further £200 excess on personal items, except this does not cover items such as lap tops, cameras,sat navs,passports, cash etc. The list is endless. What it does cover however is bedding, cooking utensils and luggage. Why would you need luggage in a motorhome and who is going to steal your saucepans?
To put icing on the cake, it cost £95 each for emergency travel documents, which can only be used once, and a further £72 each for new passports. None of which is recoverable on our insurance.
Up to now it has cost us about £1000 before we start replacing any of the items stolen. Needless to say we will not be using this company again and we will check the smallprint first before signing anything.
Fred Allen-Birmingham
