The £3000 limit (1 Viewer)

[mikebeaches]

Would it be worth just carrying the risk above £3k yourself?

Would certainly make it easier to secure cover.

So if it costs £3,500 to get the windscreen replaced, you just contribute £500 if you are unlucky enough to need to.

 

[gus-lopez]

Comfort doesn't have a limit as long as you use Autoglass in the UK or Europe, (apparently Autoglass have partners everywhere). If you don't use Autoglass then its a max of £3000.

But as many have posted before carglass won't touch A class's in spain/France. Why I've no idea as they repair local spanish ones.

 

[gus-lopez]

I can never understand this "what is the value of the vehicle" being asked? Yes if you are taking out an agreed value policy, in the event of a claim, like with VW's.
The value of the MH might be 100k but if you right it off in a few months it will cost more than that for the insurance company to replace?

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[MikeD]

Would it be worth just carrying the risk above £3k yourself?

Would certainly make it easier to secure cover.

So if it costs £3,500 to get the windscreen replaced, you just contribute £500 if you are unlucky enough to need to.

It's not so easy to do this as the insurer could say that you have breached the insurance contract as the windscreen was greater than their maximum and cancel your cover or may also say you have self insured for say 20% of the cost of the windscreen so they will reduce their liability by 20%.

There is nothing honest or fair about the insurance industry.

 

[mikebeaches]

It's not so easy to do this as the insurer could say that you have breached the insurance contract as the windscreen was greater than their maximum and cancel your cover or may also say you have self insured for say 20% of the cost of the windscreen so they will reduce their liability by 20%.

There is nothing honest or fair about the insurance industry.

Whilst I kind of understand where you are coming from, surely if the underwriter is offering you cover on a specified vehicle (with a specified value) - I'm not sure they'd scale back the claim on the basis that getting the windscreen (costing £2,400 unfitted in the UK), cost more than £3k in Europe to be replaced.

So say you've got cover for your van that includes, for example, £1,500 of personal belongings - you suffer a total loss through fire or theft and subsequently realise your personal belongings were actually worth £1,750 - would you expect any scaling back below the £1,500 of cover provided?

 

[MikeD]

They may well do that. Or they may say you did not declare the risk properly and cancel your policy.

For £250 I would doubt it but they might.

But if they say any motorhome over £50k needs a tracker and you declare it at £49950 for a value.

If it was a total lose/stolen etc I bet they would look very hard at the small print and what they think your motorhome is worth.

It would be very advantageous for them to just refund that years premium and cancel your policy.

I also suspect they would say you tried to defraud them by understating the risk and you may well be having trouble at your next renewal.

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[Southdowners]

Problem is because of the high value they have to contact their central underwriters in Bristol so calling a different office for local discretion doesn't work in this case - I tried two offices. The trigger point I think is around £75k.

Is it because of your post code I wonder. Our motorhome cover is not as expensive as yours.

 

[Familymad]

I insured £120k of MH with the Marlow branch for £335 and £200 excess. No tracker and no alarm on driveway. Worth a try with them.

 

[Candapack]

Whilst I kind of understand where you are coming from, surely if the underwriter is offering you cover on a specified vehicle (with a specified value) - I'm not sure they'd scale back the claim on the basis that getting the windscreen (costing £2,400 unfitted in the UK), cost more than £3k in Europe to be replaced.

So say you've got cover for your van that includes, for example, £1,500 of personal belongings - you suffer a total loss through fire or theft and subsequently realise your personal belongings were actually worth £1,750 - would you expect any scaling back below the £1,500 of cover provided?

There used to be a thing called the Condition of Average. What it said was that if you under insured say a building, any claim would be settled proportionately.
E.g., if it was worth 200k and you insured it for 100k, and a fire caused damage of 10k, all you would get would be 5k.
Not sure if it still exists, or even if it applied to personal property.(my experience was all in commercial stuff, e.g. factories)

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[mikebeaches]

There used to be a thing called the Condition of Average. What it said was that if you under insured say a building, any claim would be settled proportionately.
E.g., if it was worth 200k and you insured it for 100k, and a fire caused damage of 10k, all you would get would be 5k.
Not sure if it still exists, or even if it applied to personal property.(my experience was all in commercial stuff, e.g. factories)

Yes, I fully understand that, and I believe your property example remains relevant today.

But I still think it unlikely a windscreen claim for just over £3k would be scaled back below that figure.

 

[Speve]

I insured £120k of MH with the Marlow branch for £335 and £200 excess. No tracker and no alarm on driveway. Worth a try with them.

How long ago was that it certainly wasn’t this year surely NFU quoted over £998 for our new self import Hymer around £90000, and the a mandatory £550 excess for being self imported.

 

[Lenny HB]

How long ago was that it certainly wasn’t this year surely NFU quoted over £998 for our new self import Hymer around £90000, and the a mandatory £550 excess for being self imported.

My mate has just insured his £120k Carthago with NFU £530.

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[Speve]

My mate has just insured his £120k Carthago with NFU £530.

I don’t think they want me Lenny here’s their price.
Thank you for taking the time to discuss the motorhome quote with me earlier today. Please find attached a copy of your quote, for £989.80 including Legal Expenses, Windscreen cover, European cover and Trailer cover as discussed

 

[Lenny HB]

I don’t think they want me Lenny here’s their price.
Thank you for taking the time to discuss the motorhome quote with me earlier today. Please find attached a copy of your quote, for £989.80 including Legal Expenses, Windscreen cover, European cover and Trailer cover as discussed

Which branch did you use?
My mate used Chichester.

 

[Speve]

Which branch did you use?
My mate used Chichester.

Salisbury perhaps I should try Chichester

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[Pausim]

Salisbury perhaps I should try Chichester

Or Brockenhurst 01590 624744 ask for Christian Brown. He organised my insurance for a good price.

 

[billym]

I rang NFU last yearfor a quote.
It took about 30 seconds.
He just asked for my postcode, said there is no point in going any further as it was not rural and as they are specifically for rural insurance the quote he would give me would be four times more than anyone else..

Weird really as we have a NFU agency 0.9 miles away.

 

[wp1234]

Or Brockenhurst 01590 624744 ask for Christian Brown. He organised my insurance for a good price.

Christian was the guy that told me that without including home insurance NFU wouldn’t be interested ... waste of time .

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[Pausim]

Christian was the guy that told me that without including home insurance NFU wouldn’t be interested ... waste of time .

That is very strange, he arranged my motorhome insurance as a stand alone policy last October. I have only the one policy with them.

 

[Spriddler]

Christian was the guy that told me that without including home insurance NFU wouldn’t be interested ... waste of time .

They may have had a home insurance sales drive running at the time and just trying to upsell.
One needs to bear in mind that ins. co's aren't in business for our benefit.

 

[P Jones]

Has anyone found an insurance company, apart from the NFU who seem to want you to have two sets of insurance with them before they let you join, that I can use that doesn't have the £3000 limit on Europe glass claims. I am sure that my Laika A Class will be over that so looking for a bigger limit or preferably unlimited.

try some were else, like adrian flux or c guard,may be, ok pj

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[gus-lopez]

ou suffer a total loss through fire or theft and subsequently realise your personal belongings were actually worth £1,750 - would you expect any scaling back below the £1,500 of cover provided?

You might not expect it but if you told them/they found out they would consider you "under insured" by around 16% & reduce the payout from 1500 to 1260.So you are490 out of pocket.

Yes, I fully understand that, and I believe your property example remains relevant today.

But I still think it unlikely a windscreen claim for just over £3k would be scaled back below that figure.

I'd think they possibly would if it is knowingly over 3k .Try asking them ?

 

[mikebeaches]

I'd think they possibly would if it is knowingly over 3k .Try asking them ?

I believe it has already been established that the cost of the replacement screen supplied in the UK is £2,400!

So if getting it supplied and fitted in continental Europe came to £3,150, for example, I just can't see anything less that £3k being available from the insurance company.

 

[G-RMPS]

My cover is with Adrian Flux. I, too, was concerned about the £1000 limit on windscreen replacement so I challenged them on this point.

Here’s their reply, for what it is worth. Touch wood, I haven’t had to claim...


“Thank you for your email regarding the cover limit for your windscreen, unfortunately this is unable to be increased.

We understand that £1000 may not be enough to cover the windscreen in the event of a replacement, however you will be able to claim the rest under section 5 (Damage to your vehicle) of the policy.”

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[The Wino]

My cover is with Adrian Flux. I, too, was concerned about the £1000 limit on windscreen replacement so I challenged them on this point.

Here’s their reply, for what it is worth. Touch wood, I haven’t had to claim...


“Thank you for your email regarding the cover limit for your windscreen, unfortunately this is unable to be increased.

We understand that £1000 may not be enough to cover the windscreen in the event of a replacement, however you will be able to claim the rest under section 5 (Damage to your vehicle) of the policy.”

I suppose the difference is it will then have to be declared as a claim and affect future NCB (and possibly on other vehicle insurance) unlike windscreen cover. It does seem to me surprising anyone would cover claims over £3K on a cover thats paid out without any effect on NCB without a weighty premium up front.

 

[CazPaul]

When I tried AIB the premium doubled for a personal import.

AIB best price for me out of them all, it just shows, insurance is a lottery.

 

[Speve]

Well Adrian Flux was the cheapest but not good for windscreen cover so I am sticking with Safeguard even though they are not cheapest the cover is very good.

It seems a complete lottery to me and a right pain in the butt

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[Lanerboy]

I have just insured my 2019 A class carthago in March with the NFU value £115k no tracker no cat 1 alarm kept on my driveway £50 windscreen excess if I use their windscreen company £75 excess if I choose my own

Premium is £450 with me and the wife on it

Ring lady called Clare Way on 01243 784022 it's the Chichester branch it's worth a try

 

[Speve]

I have just insured my 2019 A class carthago in March with the NFU value £115k no tracker no cat 1 alarm kept on my driveway £50 windscreen excess if I use their windscreen company £75 excess if I choose my own

Premium is £450 with me and the wife on it

Ring lady called Clare Way on 01243 784022 it's the Chichester branch it's worth a try

Thanks is that with European cover as well?

 

[ymfb]

The clue is in their name, NFU are primarily agricultural insurers and are not specialists in motorhome policies.

I spoke to Salisbury branch, some years ago as they were recommended to me by a friend for business insurance, they had not got the first idea what I was talking about. But they did a great job for my friend who was based in a former agricultural barn.

Like most things in life cheapest is not usually best. The thought of paying only £300/400 to insure an £80,000 vehicle for extensive and fully comprehensive cover doesn’t sound right to me.

We are with direct line and have a multi vehicle policy, previously we were with Adrian Flux.

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