Seeking advice: motorhome insurance for Spanish storage

Discussion in 'Motorhome Insurance General Discussion' started by mikebeaches, Jun 4, 2018.

  1. mikebeaches

    mikebeaches Funster Life Member

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    I'm looking for a decent specialist motorhome insurance broker.

    It's proving challenging identifying a suitable underwriter willing to to cover our requirements, because we want to keep the van securely stored in Spain during the winter months, flying down to use it every few weeks. It will remain UK-registered and doesn't require an MOT until next summer.

    Doesn't seem like a big ask to me, but apparently it is for many/most of the mainstream insurers.

    The plan is to store the van at Chris Parking http://www.chrisparking.com/ close to Alicante airport.

    I'm aware of the '6-month' rule for foreign registered vehicles used in EU states.

    We've met Chris - the German owner - and his parents, who all live on the premises; and inspected the facility - it's super impressive, very secure indoor parking, 24-hour video surveillance etc. Bit like Fort Knox. Oh, and they'll even plug-in the hook-up whenever we want to keep the batteries conditioned.

    I've got a couple of insurance avenues I'm exploring, but could really do with some decent broker recommendations.

    Thanks in advance.

    Mike
     
  2. tacr2man

    tacr2man Funster

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    Cant you just take out a spanish agreed value policy for protection of goods on damage, fire or theft . It doesn't require it to cover it as a road going vehicle. Dont think any ins co over in UK will insure a MoHo parked in Spain , as they wont have any actuarial data on which to base it .
     
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  3. sweetie

    sweetie Funster

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    But as you say about the 6 month rule. It would be illegal to use in Spain after it been there for 6 months and you would then have to register it in Spain.
     
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  4. mikebeaches

    mikebeaches Funster Life Member

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    Fully understand and appreciate that, and wouldn't intend to have it there for more than 6 months.
     
  5. mikebeaches

    mikebeaches Funster Life Member

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    Interesting suggestion and worth investigating reference an 'agreed value' policy. Thanks!

    Frustratingly, I spoke to the Camping and Caravanning Club at the beginning of the year, who in turn secured the agreement of one of their underwriters to cover me. They even gave me an indicative quote - which was more than I pay with my current insurer, but perfectly acceptable, given the perceived additional risk for what I want.

    My insurance wasn't up for renewal at the time, but will be later this month. So I called this morning to say I'd like to go ahead, only to be told the underwriter had had a change of heart and no longer wished to provide cover.

    I'm now rather wishing I'd taken the cover offered at the time and simply accepted the loss of premium/administration charge when cancelling my existing policy. However, another reason I didn't go ahead was the prospect of having to renew mid-winter, while the van is in Spain, and possibly facing the challenge I've got now.
     
  6. Xabia

    Xabia Funster

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    Don’t laugh at this suggestion Mike, but many years ago when I was arranging insurance on heavy goods vehicles with Lloyd’s of London a scheme was established whereby the third party liabilities were covered in the usual motor insurance markets but the fabric of the vehicle was insured in the Marine market.

    You might be able to arrange static cover for the motorhome in the Marine insurance market in Spain or even via Lloyd’s in the U.K.
     
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  7. mikebeaches

    mikebeaches Funster Life Member

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    Thanks Xabia! And I promise not to laugh. ;) In fact, it could be a very useful route to explore.

    Do you happen know of any Spanish brokers or underwriters that might be able to assist, particularly if they are used to dealing with English clients? (y)
     
  8. Xabia

    Xabia Funster

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    • Nice One! Nice One! x 1
  9. mikebeaches

    mikebeaches Funster Life Member

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    Many thanks Mike!
     
  10. Littlewheels

    Littlewheels Funster

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    91B9B40B-730A-4778-87F8-AD02D9CD210E.png You might give these people a try they have offices in the UK but the head office is is Spain, they insure lots of UK registered Cars in Spain and the Website shows Luxury Yachts etc.
     
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  11. mikebeaches

    mikebeaches Funster Life Member

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    Thanks for that! Another useful avenue for me to explore. Much appreciated!
     

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