Well, that was a shock. Our first Campervan and our first quote for comprehensive cover. (Devitt)
Factory fitted immobiliser, but not tracker.
£1500 / year
The agent kindly gave me an idea of the quote with a Thatcham S5 Tracker...£658 / year.
Makes a huge difference.
Sadly, we cant get the tracker fitted (where we originally were going to get it fitted) because we're already booked to go away, and the folks who were going to fit the tracker are changing premises/personnel. Everything was all nicely scheduled in advance (because I plan stuff properly), and then the dealer told us the vehicle would be a week late. That threw everything out the window and we had to cancel hotels and rebook stuff for our trip to get the vehicle.
On the plus side, the insurance agent did confirm that if we get a tracker fitted a few months later, they'll recalc the price on the policy and refund us. I spoke to a friend who's been in the insurance industry for 20+ years and he said "Yeah, that's pretty common. You have to tell us about changes and sometimes they do drop your policy cost and we can refund you. I don't see you having an issue with this." Personally, I'd not heard about it myself.
Another interesting thing. The vehicle will be stored at a CaSSOA Platinum site when it's not in use.
Made absolutely no difference to the premium. I was shocked, as that costs us £700 a year for storage.
The agent said "It makes no difference to us. Obviously to you it does, as it's guarded, patrolled, under CCTV and has fob entry through multiple gates. That's good for you. It means nothing to us, because as far as we are concerned, your vehicle is stored with 500 other vehicles, and other people will be around your vehicle from time to time, getting their own Moho's and campers. They have fobs for the site. So as far as we are concerned, there are "other people" around your vehicle. Fobs can be passed to unsavoury people. Bottom line is, the security of the site means nothing to the premium, sorry !"
So I said "So if I stored it on my drive, it'd be the same premium ?" and she replied "Yup."
The things you learn !
Factory fitted immobiliser, but not tracker.
£1500 / year
The agent kindly gave me an idea of the quote with a Thatcham S5 Tracker...£658 / year.
Makes a huge difference.
Sadly, we cant get the tracker fitted (where we originally were going to get it fitted) because we're already booked to go away, and the folks who were going to fit the tracker are changing premises/personnel. Everything was all nicely scheduled in advance (because I plan stuff properly), and then the dealer told us the vehicle would be a week late. That threw everything out the window and we had to cancel hotels and rebook stuff for our trip to get the vehicle.
On the plus side, the insurance agent did confirm that if we get a tracker fitted a few months later, they'll recalc the price on the policy and refund us. I spoke to a friend who's been in the insurance industry for 20+ years and he said "Yeah, that's pretty common. You have to tell us about changes and sometimes they do drop your policy cost and we can refund you. I don't see you having an issue with this." Personally, I'd not heard about it myself.
Another interesting thing. The vehicle will be stored at a CaSSOA Platinum site when it's not in use.
Made absolutely no difference to the premium. I was shocked, as that costs us £700 a year for storage.
The agent said "It makes no difference to us. Obviously to you it does, as it's guarded, patrolled, under CCTV and has fob entry through multiple gates. That's good for you. It means nothing to us, because as far as we are concerned, your vehicle is stored with 500 other vehicles, and other people will be around your vehicle from time to time, getting their own Moho's and campers. They have fobs for the site. So as far as we are concerned, there are "other people" around your vehicle. Fobs can be passed to unsavoury people. Bottom line is, the security of the site means nothing to the premium, sorry !"
So I said "So if I stored it on my drive, it'd be the same premium ?" and she replied "Yup."
The things you learn !
