The Auto-Sleeper Motorhome Owners Forum (ASOF)
Would you like to react to this message? Create an account in a few clicks or log in to continue.

Motorhome Insurance

Go down

Motorhome Insurance Empty Motorhome Insurance

Post by simontm1959 Sun Mar 07, 2021 2:17 pm

Just had the renewal from one of the motorhome clubs with a 23% increase over last year.  We're both still working, we have only done about 500 miles last year due to COVID and no claims/no convictions, so very disappointed with this increase - any recommendations?
Thanks
simontm1959
simontm1959
Member
Member

Male

Posts : 17
Joined : 2019-03-20
Location : Northumberland
Auto-Sleeper : Broadway EB
Vehicle Year : 2019

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by Peter Brown Sun Mar 07, 2021 3:15 pm

We use CAMC for cars and motorhome and have never had significant increase except when the IPT was increased. The figures for the van below include legal protection cover. I've just insured a new car with CAMC and the cost was on a par with comparison sites.

2017 £384.56
2018 £470.94 IPT Increased
2019 £409.03 Reduced when married
2020 £443.91
2021 £454.44
Peter Brown
Peter Brown
Donator
Donator

Male

Posts : 7283
Joined : 2012-11-10
Member Age : 68
Location : Staffs
Auto-Sleeper : Malvern
Vehicle Year : 2011

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by Paramedic Sun Mar 07, 2021 6:30 pm

We've been with Comfort since 2015. 
Herewith the stepped increases each year up to October 2020.
£283 25
£294.64
£300.42
£302.90
£316.94
£328.20
What may cause concern is a scribbled note I made 'don't insure anyone over 75. But that may not be true of Comfort of may have been condition related to another company when getting a quote. Of course, your personal circumstances will determine your insurance quote.

_________________
In the land of the blind, the man with one eye is king
Paramedic
Paramedic
Member
Member

Male

Posts : 2228
Joined : 2016-01-27
Member Age : 74
Location : Chichester West Sussex
Auto-Sleeper : Broadway FB
Vehicle Year : 2013

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by TonyB Sun Mar 07, 2021 6:57 pm

Try Caravan Guard,I insured my van last June with them for £289-50.This also included breakdown cover.
TonyB
TonyB
Member
Member

Male

Posts : 13
Joined : 2020-07-23
Location : Gloucester
Auto-Sleeper : Warwick XL
Vehicle Year : 2016

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by Tigerbadge Sun Mar 07, 2021 7:04 pm

I find these have been good over the last few years.
[You must be registered and logged in to see this link.]
Tigerbadge
Tigerbadge
Donator
Donator

Male

Posts : 104
Joined : 2018-02-03
Location : Somerset
Auto-Sleeper : Nuevo EK
Vehicle Year : 2007

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by simontm1959 Sun Mar 07, 2021 8:21 pm

Thanks all for the replies - I will contact the recommendations and see how alternative quotes compare.
simontm1959
simontm1959
Member
Member

Male

Posts : 17
Joined : 2019-03-20
Location : Northumberland
Auto-Sleeper : Broadway EB
Vehicle Year : 2019

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by rogerblack Sun Mar 07, 2021 8:56 pm

We've been with Safeguard for many years, here are the last few annual renewal premiums - note for comparison that these include full AA breakdown cover in the UK and most of Europe:


 2013  £354.44 
 2014  £356.58 
 2015  £356.58 
 2016  £359.13 
 2017  £364.56 
 2018  £368.47 
 2019  £353.00 
 2020  £363.57 

_________________
[You must be registered and logged in to see this image.]
cheers
Roger
rogerblack
rogerblack
Donator
Donator

Male

Posts : 2127
Joined : 2012-09-22
Member Age : 65
Location : East Neuk, Fife / Berkshire
Auto-Sleeper : Pollensa/Boxer2.8HDi
Vehicle Year : 2002

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by merv Mon Mar 08, 2021 3:58 pm

In a previous post 'Recommend a motorhome insurance company', I described an experience with Safeguard.
I would strongly recommend asking any company detailed questions on how they deal with accident claims. I accept that someone in 'Sales' may not know all the answers but it's worth a try.
avatar
merv
Member
Member

Male

Posts : 227
Joined : 2011-09-03
Member Age : 74
Location : MIDLANDS
Auto-Sleeper : Broadway EK TB LP
Vehicle Year : 2016

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by gpilky Tue Mar 09, 2021 11:54 am

Caravan Guard - £304 November 2020.....
gpilky
gpilky
Member
Member

Male

Posts : 74
Joined : 2019-11-21
Location : Huddersfield
Auto-Sleeper : Broadway EB
Vehicle Year : 2017

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by gemdeco Wed Mar 10, 2021 9:52 am

Hi Everyone
          Is this TOOOO good to be true I have just done an online quote with LV for my 2020 Burstner Lyseo Harmony line M 660 MH and the price is £253.00 They are not interested in the maker just that it is a Mercedes, not interested in the value £80.000 plus other quotes are just over the £400 how come
regards
Alan
gemdeco
gemdeco
Member
Member

Male

Posts : 693
Joined : 2014-07-15
Member Age : 70
Location : Little Bookham Surrey
Auto-Sleeper : Burstner Lyseo M Har
Vehicle Year : 2020

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by Peter Brown Wed Mar 10, 2021 10:06 am

How will they react to a claim for damage to oven, fridge etc caused in an RTA?
Peter Brown
Peter Brown
Donator
Donator

Male

Posts : 7283
Joined : 2012-11-10
Member Age : 68
Location : Staffs
Auto-Sleeper : Malvern
Vehicle Year : 2011

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by rogerblack Wed Mar 10, 2021 12:15 pm

Peter Brown wrote:How will they react to a claim for damage to oven, fridge etc caused in an RTA?
Things brings up an interesting point, especially when comparing premiums. 
Do any forum members just use standard vehicle insurance when covering their motorhomes?

Specialist motorhome policies such as we have cover many of the contingencies not relevant to cars, such as gas bottles, installed equipment such as Peter Brown mentions and on ours additional kit such as generators etc. Which justifies some of the additional cost in premiums.

_________________
[You must be registered and logged in to see this image.]
cheers
Roger
rogerblack
rogerblack
Donator
Donator

Male

Posts : 2127
Joined : 2012-09-22
Member Age : 65
Location : East Neuk, Fife / Berkshire
Auto-Sleeper : Pollensa/Boxer2.8HDi
Vehicle Year : 2002

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by MelB Wed Mar 10, 2021 1:14 pm

With Comfort since 2015.  Claims: 1 accident [2017] 1 attempted theft [2020].
Insurance Premium 2019: £263. 2020: £277
MelB
MelB
Donator
Donator

Male

Posts : 712
Joined : 2015-06-23
Member Age : 71
Location : DONCASTER
Auto-Sleeper : KEMERTON
Vehicle Year : 2014

njr001 likes this post

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by DAN@ADRIAN FLUX Wed Mar 10, 2021 9:01 pm

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.
DAN@ADRIAN FLUX
DAN@ADRIAN FLUX
Member
Member

Male

Posts : 46
Joined : 2018-04-20
Location : King's Lynn, Norfolk
Auto-Sleeper : No
Vehicle Year : No

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by babian Thu Mar 11, 2021 6:35 am

hi Dan,
with your experience in motorhome insurance and reading the above conversations. Could you tell us if possible, what are people getting with the cheaper insurance quotes regarding them based  only on vehicle reg, van make ( Peugeot etc) and no questions asked regarding the conversion (AS etc). They might ask value but that may not indicate conversion model etc.
Is it a simple answer as in , its only the vehicle and not fitted contents covered. Hope this question makes some sense.
There does seem to be a large range of quotes especially on the Internet, where few questions regarding the motorhome type/ conversion are asked.
Does paying more always equal receiving more covered?
Thanks for any feedback.
babian
babian
Member
Member

Male

Posts : 725
Joined : 2019-05-11
Location : Northamptonshire
Auto-Sleeper : Warwick xl
Vehicle Year : 2014

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by DAN@ADRIAN FLUX Thu Mar 11, 2021 9:44 am

babian wrote:hi Dan,
with your experience in motorhome insurance and reading the above conversations. Could you tell us if possible, what are people getting with the cheaper insurance quotes regarding them based  only on vehicle reg, van make ( Peugeot etc) and no questions asked regarding the conversion (AS etc). They might ask value but that may not indicate conversion model etc.
Is it a simple answer as in , its only the vehicle and not fitted contents covered. Hope this question makes some sense.
There does seem to be a large range of quotes especially on the Internet, where few questions regarding the motorhome type/ conversion are asked.
Does paying more always equal receiving more covered?
Thanks for any feedback.


Hi there,

Thanks for the question and without looking into those cheaper quotations people may be having it's hard to advise.  As with any specialist vehicle the onus is very much on the proposer / insured to declare exactly what has been done to the vehicle.  Attempting to insure just as a commercial van with a non-specialist will very likely result in the vehicle being uninsured or a claim being refuted.  

If those internet based quotations don't make reference to any conversion they are likely to be merely a commercial vehicle policy.  These won't have any cover for gas bottles, awnings, generators etc and it's likely that the insurer has potentially taken on the risk not knowing that the vehicle has been converted.

I think it prudent if you own a specialist vehicle, speak to a specialist who likely covers a multitude of other similar vehicles.  Again with a commercial policy you will not likely get the extended European cover as well.

Hope that this is all acceptable.

Thanks.

Dan
DAN@ADRIAN FLUX
DAN@ADRIAN FLUX
Member
Member

Male

Posts : 46
Joined : 2018-04-20
Location : King's Lynn, Norfolk
Auto-Sleeper : No
Vehicle Year : No

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by babian Thu Mar 11, 2021 10:17 am

Thank you Dan for your time. Just one more, does your company ask for the motorhome converters name and model, or do you just go on value?
Thanks for your time again to reply.
babian
babian
Member
Member

Male

Posts : 725
Joined : 2019-05-11
Location : Northamptonshire
Auto-Sleeper : Warwick xl
Vehicle Year : 2014

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by DAN@ADRIAN FLUX Thu Mar 11, 2021 11:22 am

babian wrote:Thank you Dan for your time. Just one more, does your company ask for the motorhome converters name and model, or do you just go on value?
Thanks for your time again to reply.

Hi again,

We do cover quite a few number of 'Self-Build/ conversions' where the policyholder has done the work themselves.  If it's a professional conversion we will likely ask.  As mentioned we do need every material fact relating to the vehicle - i.e nature of conversion and what has been done so that it can satisfy the criteria of our underwriters as  motorhome.

Many thanks,

Dan
DAN@ADRIAN FLUX
DAN@ADRIAN FLUX
Member
Member

Male

Posts : 46
Joined : 2018-04-20
Location : King's Lynn, Norfolk
Auto-Sleeper : No
Vehicle Year : No

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by gemdeco Sat Mar 13, 2021 1:44 pm

Hi Dan
      You may be interested in giving me a quote for insurance renewal on my motorhome, I will be interested in the offer as on a comparison website Adrian Flux was one of the highest
Regards
Alan
gemdeco
gemdeco
Member
Member

Male

Posts : 693
Joined : 2014-07-15
Member Age : 70
Location : Little Bookham Surrey
Auto-Sleeper : Burstner Lyseo M Har
Vehicle Year : 2020

Back to top Go down

Motorhome Insurance Empty Re: Motorhome Insurance

Post by steamdrivenandy Sat Mar 13, 2021 2:45 pm

I do remember that when I sought insurance for my professional and branded Transit van conversion from the Caravan and Motorhome Club insurance arm they were only interested in what base vehicle was involved. Their point was that there a tens, if not hundreds of converters and hundreds, if not thousands of models/layouts and they couldn't possibly track them all. 

So I suspect they calculate a risk cost based on known replacement parts costs on the base vehicle and then add an average motorhome risk cost from across the spectrum. There are lots of other elements that are taken into account, such as location, mileage, age of vehicle, value, claims history etc, etc. I suspect that if you asked for a quote on a 2015 Symbol, it would come in the same as a 2015 Nuevo and probably the same as a 2015 Broadway and 2015 Autotrail Tracker etc.
steamdrivenandy
steamdrivenandy
Member
Member

Male

Posts : 1842
Joined : 2016-03-30
Member Age : 73
Location : On the very edge of N Staffs
Auto-Sleeper : None
Vehicle Year : None

Back to top Go down

Back to top


 
Permissions in this forum:
You cannot reply to topics in this forum