Your motorhomes insurance and your no claims discount (1 Viewer)

[forestfern]

Evening all! Having found and paid a deposit on our dream motorhome at last, I rang LV about insurance. Hubby and I both have 9+ years of no claims discount but apparently this doesn’t count and the motorhome insurance will start with 0 years.

Just checking if this is standard? Thank you

 

[Silver-Fox]

No it’s not.

Lots of insurance companies mirror your ncb but you don’t build ncb on the Moho.

I’d try a different company or two

 

[Spriddler]

I believe you can only apply an NCB to one vehicle at a time.
Did you get quotes from other insurers, e.g. NFU and Comfort among several others if you look in the 'Insurance' forum.

 

[Dave Scadding]

I think you can only claim NCD on one policy, however it may change if you do a multi vehicle policy. In my case I insured the Moho with my NCD and put my wife as a named driver and she insured the car with me as a named driver.

 

[VXman]

I found LV didn't have a clue - about anything. Go to a proper motorhome insurer like https://www.comfort-insurance.co.uk

As said - they don't give no claims as such but decent companies will mirror your current no claims

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[Toady]

Been with SAGA for the last 3 years and had to claim for a new windscreen. I was quoted over a £1000 for renewal this year.

I contacted NFU and was quoted £342. Unfortunately, they do not do breakdown insurance. I took out a policy with Driver Guardian for £180.

I researched a number of insurance companies. Many were competitive but their windscreen cover was inadequate.

 

[Northernraider]

Go with safeguard and they will mirror any exsisting no claims you have on your car on to a motorhome policy . They also have many other benefits including breakdown Europe wide and unlimited glass coverage . Used to be unlimited mileage too but that's changed now sadly

 

[Orion]

Evening all! Having found and paid a deposit on our dream motorhome at last, I rang LV about insurance. Hubby and I both have 9+ years of no claims discount but apparently this doesn’t count and the motorhome insurance will start with 0 years.

Just checking if this is standard? Thank you

We’re you intending to transfer the NCD to the MoHo policy?

I’ve recently spoken to all the main insurers that have been mentioned in a search of threads on the forum, and some took a previous NCD into consideration and some didn’t. I don’t have a specific NCD to bring across but I’ve had 20+ years on our company fleet policy plus 9+ as a named driver on my wife’s. I mentioned this to all the companies and LV were far and away the most competitive quote with more or less equal benefits. I’m going with them next week.

 

[L' Hobo]

I had similar problems some time ago, my company would only give NCB from one policy, so I transfer my high NCB policy to the most expensive to insure vehicle and started a zero policy on the cheapest. Hope that helps?

 

[forestfern]

We’re you intending to transfer the NCD to the MoHo policy?

I’ve recently spoken to all the main insurers that have been mentioned in a search of threads on the forum, and some took a previous NCD into consideration and some didn’t. I don’t have a specific NCD to bring across but I’ve had 20+ years on our company fleet policy plus 9+ as a named driver on my wife’s. I mentioned this to all the companies and LV were far and away the most competitive quote with more or less equal benefits. I’m going with them next week.

That’s interesting that they were most competitive. I’m with them on my car and made a claim last year and they were excellent. And very cheap.

She asked me if I wanted to transfer the NCD to the motorhome and I didn’t know what to say as I hadn’t even considered it or what it would mean.
So it’s basically best to transfer the NCD to whichever policy had the higher premium? Appreciate your advice

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[Bramidan]

I’m with LV and have been with them once they took over Frizzel, formerly through the Civil Service Motoring Association.
Had two cars on the policy, traded one car and put the Moho on the same policy.
I looked at some of those companies touted by the dealer, read the small print, underwritten by LV!
Go direct.
I found their telephone representatives very helpfu.

 

[Mikeco]

Sounds right to me as your no claims has been accrued and presumably being used on your car. I’m with LV but have built up more than 9 years no claims on motorhomes.

 

[James-Alex]

Was the same for us when we bought ours and insured with Adrian Flux

 

[busbuddy]

A motorhome has been my only vehicle insurance for decades now and has carried on my ncb from company to company as I have changed.
My race car was on a special policy and I am a named driver on another car but the only time I have had a problem was about 5 years ago when I had to prove my ncb, up until that point insurers just 'knew' I had ncb but apparently they dont talk to each other anymore getting proof of ncb from previous insurer was like blood from a stone and new insurer wanted reg number on it as well

 

[L' Hobo]

A motorhome has been my only vehicle insurance for decades now and has carried on my ncb from company to company as I have changed.
My race car was on a special policy and I am a named driver on another car but the only time I have had a problem was about 5 years ago when I had to prove my ncb, up until that point insurers just 'knew' I had ncb but apparently they dont talk to each other anymore getting proof of ncb from previous insurer was like blood from a stone and new insurer wanted reg number on it as well

They do if it's going to cost you money but maybe not if it's going to save you some.

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[cmcardle75]

Evening all! Having found and paid a deposit on our dream motorhome at last, I rang LV about insurance. Hubby and I both have 9+ years of no claims discount but apparently this doesn’t count and the motorhome insurance will start with 0 years.

Just checking if this is standard? Thank you

This is normal. You can't take the NCB from one policy still in use and double it up for separate policies. Some insurers might have some scheme that enables you to do this, but it isn't very common. It is particularly uncommon when the class of vehicle is different, i.e. a car and a large motorhome (or motorcycle etc).

In reality, NCB is a bit of a scam. It doesn't affect the premium as much as you expect. They take everything into account and come up with a premium. I doubt your 0% premium will be much different than if you turned up with a 60% discount. If they like your risk profile, they'll fiddle the base premium to their taste so that with your discount it comes to their risk calculated figure. They should probably just get rid of NCB altogether and go on your claims history.

 

[forestfern]

I’m with LV and have been with them once they took over Frizzel, formerly through the Civil Service Motoring Association.
Had two cars on the policy, traded one car and put the Moho on the same policy.
I looked at some of those companies touted by the dealer, read the small print, underwritten by LV!
Go direct.
I found their telephone representatives very helpfu.

She asked me if I wanted to put the motorhome on the same policy as my car

I hadn’t got a clue what she meant really. Is it a good thing to do this? Are there are implications?

 

[forestfern]

Sounds right to me as your no claims has been accrued and presumably being used on your car. I’m with LV but have built up more than 9 years no claims on motorhomes.

So is it best to just have the NCD on whichever policy has the more expensive premium?

She asked me if I wanted to add the motorhome to my existing car policy and I have to admit to not having a clue whether that was a good or bad idea so I said no lol

Is it a good idea do you know? What implications does it have?

 

[forestfern]

This is normal. You can't take the NCB from one policy still in use and double it up for separate policies. Some insurers might have some scheme that enables you to do this, but it isn't very common. It is particularly uncommon when the class of vehicle is different, i.e. a car and a large motorhome (or motorcycle etc).

In reality, NCB is a bit of a scam. It doesn't affect the premium as much as you expect. They take everything into account and come up with a premium. I doubt your 0% premium will be much different than if you turned up with a 60% discount. If they like your risk profile, they'll fiddle the base premium to their taste so that with your discount it comes to their risk calculated figure. They should probably just get rid of NCB altogether and go on your claims history.

This is interesting! Thanks!
So we were going to put the motorhome and insurance in my name, since I do all the organising of policies/admin and hubby likes it that way, so for simplicity we were going to put it in my name. But I made a claim on my car policy last year (had an argument with a small post, nothing major just bad judgment and a tight turn on a stressful day, but still £2000 worth of damage). Hubby has no claims. So would it be better to have him as main policyholder instead of me? Altho I’dstill be on the policy as an added driver

 

[denisejoe]

forestfern - adding the MH to your car insurance means that they will both renew on the same date unless you ask them to quote separately. Having more than insurance product with them will give you a 5% discount.

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[cmcardle75]

This is interesting! Thanks!
So we were going to put the motorhome and insurance in my name, since I do all the organising of policies/admin and hubby likes it that way, so for simplicity we were going to put it in my name. But I made a claim on my car policy last year (had an argument with a small post, nothing major just bad judgment and a tight turn on a stressful day, but still £2000 worth of damage). Hubby has no claims. So would it be better to have him as main policyholder instead of me? Altho I’dstill be on the policy as an added driver

It could work either way price wise. You'll have to declare the claim either way.

 

[Mikeco]

So is it best to just have the NCD on whichever policy has the more expensive premium?

She asked me if I wanted to add the motorhome to my existing car policy and I have to admit to not having a clue whether that was a good or bad idea so I said no lol

Is it a good idea do you know? What implications does it have?

Sounds like a good idea to add the motorhome to the car policy.
My car and van are insured with LV so may look at this in the future.

 

[cmcardle75]

Sounds like a good idea to add the motorhome to the car policy.
My car and van are insured with LV so may look at this in the future.

Your problem is that motorhome insurance can be quite specific (and definitely > 3.5t). Most car insurers either won't touch, or will be absurdly expensive. However, if they do offer a decent price, there's no reason not to accept. Do check the policy for length/height/weight/vehicle restrictions carefully.

 

[forestfern]

Sounds right to me as your no claims has been accrued and presumably being used on your car. I’m with LV but have built up more than 9 years no claims on motorhomes.

Yes mines a lot more than 9 years but they only ever seem to call it 9+years as if it doesn’t matter if it’s more than that

 

[forestfern]

Comfort has come out £60 more than LV

No questions about NCD on there at all …

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[Podney]

Comfort has come out £60 more than LV

No questions about NCD on there at all …

You can get breakdown cover with Comfort for about £70 per year as part of the deal.

 

[RobbyMClark]

I found LV didn't have a clue - about anything. Go to a proper motorhome insurer like https://www.comfort-insurance.co.uk

As said - they don't give no claims as such but decent companies will mirror your current no claims

Sounds like a good idea to add the motorhome to the car policy.
My car and van are insured with LV so may look at this in the future.

When renewed car in with LV the price had reduced due to the new rules, so asked about MH and they have quoted half of what existing insurers wanted last year, so will swap when due next month.

 

[Sapper520]

AiB don’t give NCD……but their prices are still better than most, for me anyway.

 

[forestfern]

AiB don’t give NCD……but their prices are still better than most, for me anyway.

What’s AIB please?

 

[Spriddler]

What’s AIB please?

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