Guest JudgeMental Posted February 2, 2007 Share Posted February 2, 2007 Well, as new van arriving next month thought I had better get some insurance quotes. Tried “caravanwise” as they where recommended, unfortunately because we had a total loss in 2005 (our pickup truck was written of while parked, by uninsured driver who ran away!) they would not quote. I find this strange as the probability of a similar incident occurring must be slim? Anyway, I then tried: Comfort = £611 Safeguard = £506 These quotes included green card and full breakdown cover, This is what I was charged for my demountable camper rig and I was expecting cheaper quotes as mileage only 6000 per year? Any other recommendations would be appreciated Link to comment Share on other sites More sharing options...
Vixters other half Posted February 2, 2007 Share Posted February 2, 2007 Try Towergate Bakers at Cheltenham, gave us a good price- cant remember exacty but I think it was cheaper than your quote. VoH Link to comment Share on other sites More sharing options...
michele Posted February 2, 2007 Share Posted February 2, 2007 Sorry, I can only say Safegaurd who are not the cheapest but we have found the service excellent , Especially with an accident. Link to comment Share on other sites More sharing options...
MOTORHOMER Posted February 2, 2007 Share Posted February 2, 2007 Try MCIA Motorhomer Link to comment Share on other sites More sharing options...
twooks Posted February 2, 2007 Share Posted February 2, 2007 recommend MCIA as well, have been with them for about 4 years now, always competitive imo. Alternatively you could consider joining CC purely for the insurance deal - they invariably produced the cheapest quote. I'm no longer a member so I can't comment on current status.ps forgot to give their web address: http://www.lifesure.co.uk/ Link to comment Share on other sites More sharing options...
Mel B Posted February 2, 2007 Share Posted February 2, 2007 Can highly recommend MCIA. :-D Link to comment Share on other sites More sharing options...
Guest starspirit Posted February 2, 2007 Share Posted February 2, 2007 I too find MCIA pretty good although I have not yet claimed, but I am working on it. Link to comment Share on other sites More sharing options...
Guest peter Posted February 2, 2007 Share Posted February 2, 2007 We use Comfort. Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted February 2, 2007 Share Posted February 2, 2007 Safeguard where very nice to deal with on telephone and best quote so far... Will try all other recommendations next week. thanks everyone! Link to comment Share on other sites More sharing options...
MOTORHOMER Posted February 3, 2007 Share Posted February 3, 2007 starspirit - 2007-02-02 7:56 PM I too find MCIA pretty good although I have not yet claimed, but I am working on it. We have in the past. Twice. Only broken rear screen on one occasion and a side slider window where someone or something catapulted a stone through it. Both on our Autosleeper clubman. No problem with MCIA but Autosleeper took ages on both occasions to provide replacement widows let alone the correct replacement windows. but thats another story. Motorhomer Link to comment Share on other sites More sharing options...
Bazza454 Posted February 3, 2007 Share Posted February 3, 2007 We use CaravanGuard, very professional and by far the best value. You also get a discount if you subscribe to MMM, just quote your subscription number. Link to comment Share on other sites More sharing options...
carolh Posted February 3, 2007 Share Posted February 3, 2007 we use caravan guard too, not made a claim, but did need the breakdown service in France the other year, due to a dodgy vehicle battery - very good service. carol Link to comment Share on other sites More sharing options...
David Dwight Posted February 3, 2007 Share Posted February 3, 2007 Hi Judgemental, We have always used Safegaurd, had to use the breakdown cover 3years ago everything worked well no problems. We have jsut this last week had to make use of their travel insurance whilst away on holiday without MH again no problems one phone call took care of everything Hospital and flights home hotel etc. incidently our costof travel insurance is £123 for multi trip Europe, we have just had 10 years worthat that rate. David Link to comment Share on other sites More sharing options...
michele Posted February 3, 2007 Share Posted February 3, 2007 David, You ok? Hope it was not a bad experience. Judgemental, We had an accident my husband back in to a mound of grass which had burrie dloads of rubble anyway it shiffted the back end totally new panel. Safeguard we on the ball instantly picked up repaired delivered back perfect. In France 2 years ago we had trouble and had to use their local French recovery again Safeguard were excellent and no I never used the disabilities of the children .........I,m not a expert on nothing but I got what I paid for a good service.. Good Luck. Link to comment Share on other sites More sharing options...
carioca Posted February 3, 2007 Share Posted February 3, 2007 hi peter we used to use comfot for insurance unfortunatly a couple of years ago we had 2 cycles pinched. found they wernt insured, when checking what was we were shocked to find that a whole lot of things wernt. we had £2000 of personel belongingsexcluding tv's, hi fi', cameras,cd's dvd's, jewelery, more than £200, portable games basically everything you take away in your MH. i found this quite disturbing considering it was a motor home policy as advertised in most MH mags. so be aware check all exclusions we to are with MCIA now they sem ok Link to comment Share on other sites More sharing options...
Mel B Posted February 3, 2007 Share Posted February 3, 2007 Make sure that which ever company you go with gives you 'no claims discounts' and also keeps a record of them. When we were with one company and changing to another we had a hell of a problem trying to prove we had 6 years no claims as the insurer didn't bother to keep records! We had to get out our insurance records from the one before them otherwise the last company couldn't give us any discount. The company at fault was one of the big boys that specialise in motorhome insurance as well!!! Link to comment Share on other sites More sharing options...
tp002c784tp002c784tp Posted February 3, 2007 Share Posted February 3, 2007 Hi Judgemental I also changed to caravan Guard this year witha new Van and they where £100 cheaper than any one else Terry Link to comment Share on other sites More sharing options...
Brian Kirby Posted February 3, 2007 Share Posted February 3, 2007 JudgeMental - 2007-02-02 1:05 PM Well, as new van arriving next month thought I had better get some insurance quotes. Tried “caravanwise” as they where recommended, unfortunately because we had a total loss in 2005 (our pickup truck was written of while parked, by uninsured driver who ran away!) they would not quote. I find this strange as the probability of a similar incident occurring must be slim? Anyway, I then tried: Comfort = £611 Safeguard = £506 These quotes included green card and full breakdown cover, This is what I was charged for my demountable camper rig and I was expecting cheaper quotes as mileage only 6000 per year? Any other recommendations would be appreciated EddieFrom your "aide memoire" post, it seems you may be collecting from Belgium. Are you fully up to speed on the requirements and possible uninsured risks of your return trip? Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted February 3, 2007 Share Posted February 3, 2007 Yes Brian, I think so? Have no choice but to drive the 1.5 hr trip back to the tunnel on export plates & third party cover only? Have seen what you have said and aware that this may change in June? But can’t really wait as have a few trips booked already. I have imported a number of double cab pickup trucks from Cyprus and had no problem insuring these on VIN numbers – cant understand what all the fuss is about regards Motorhomes. From earlier posts I was led to believe that “caravanwise” could offer European cover. but as we had a total loss claim 2 years ago they refused to quote so never got that far with them… Link to comment Share on other sites More sharing options...
Wills Wagon Posted February 3, 2007 Share Posted February 3, 2007 We have used Equity Red Star part of Willis Group for 4 years, their policy includes UK and European breakdown cover, they advertise in Motor Caravan. PO Box 3203, Brentwood Essex CM14 4GG Phone 0870 111 8963, fax 0870 420 4622. I know they are keen to expand their motorhome business so you should get a good quote. Also offer price match. Good luck. Link to comment Share on other sites More sharing options...
Derek Uzzell Posted February 4, 2007 Share Posted February 4, 2007 JudgeMental: Regarding motorhomes being driven back to the UK from Continental vendors, in recent years two brokers have been prepared to offer 'VIN number' insurance-coverage for the outside-the-UK part of the journey. These are CaravanWise and the Caravan Club (Devitt Insurance Services Ltd). However, received wisdom is that the policies that were issued were invalid for the 'foreign' element. This insurance-related difficulty applies to all imported vehicles (not just motorhomes). Perhaps you imported your trucks some time ago when the present insurance restrictions did not apply? Link to comment Share on other sites More sharing options...
Brian Kirby Posted February 4, 2007 Share Posted February 4, 2007 carioca - 2007-02-03 4:42 PM hi peter we used to use comfot for insurance unfortunatly a couple of years ago we had 2 cycles pinched. found they wernt insured, when checking what was we were shocked to find that a whole lot of things wernt. we had £2000 of personel belongingsexcluding tv's, hi fi', cameras,cd's dvd's, jewelery, more than £200, portable games basically everything you take away in your MH. i found this quite disturbing considering it was a motor home policy as advertised in most MH mags. so be aware check all exclusions we to are with MCIA now they sem ok However, Adrian, the policy documents issued by Norwich Union are a model of clarity, all the exclusions are very clearly set out in them, and most of the limitations on cover can be increased at extra premium. Have you checked whether the items you refer to are covered in your new policy? These items are frequently covered under a house contents policy or, in the case of bicycles, may require a separate bicycle insurance depending on the value of the bikes. Link to comment Share on other sites More sharing options...
Mel E Posted February 4, 2007 Share Posted February 4, 2007 Here are Mel's rules of motorhome insurance: 1. Before signing on the dotted line, read the whole policy document CAREFULLY. I know that's boring, but it will save you all the 'not covered' problems later. 2. ONLY buy motorhome insurance from a broker specialising in motorhome insurance. They understand the business, which is COMPLETELY different from car, van or house insurance. Those advertising in MMM give a good start point. 3. Do NOT buy ON PRICE. Buy on value for money. Bakers of Cheltenham are often quoted as being the most expensive, but, on the other hand, they give the best cover. For example, they are the only insurer I know who will let you leave your van abroad, while you fly back home for a short trip, without informing them first on each occasion. Of course, it depends on what cover you actually need. 4. If you include breakdown and recovery insurance, make sure it actually covers your size and weight of vehicle - many don't. 5. When you find a good insurer, stick with them. Don't be tempted to move because you can save a few 10s of pounds with another insurer at renewal time (but do check alternative quotes). Motorhome insurance is not a commodity like car insurance. 6. If you do anything unusual, put it in writing to your broker and get written confirmation that you are covered. 'Unusual' things include towing a car on an A-frame (or trailer), towing a particularly large trailer, converting the base vehicle to run on lpg, chipping or otherwise modifying the engine, and so on. 7. Make sure that, if you make extended trips in your motorhome, your house is covered for the duration of your absence - most home building and contents insurance covers you only for 30 days' continuous absence. One solution is to buy your house insurance from your motorhome broker - but don't expect it to be cheap! Hope that helps! Mel E ==== Link to comment Share on other sites More sharing options...
Guest JudgeMental Posted February 5, 2007 Share Posted February 5, 2007 Well the plot thickens. MCIA after an age on the phone with a lad that new nothing regards motorhomes (making it difficult to communicate) neither of their insurers NIG and AXA would quote. Reason given “you have a London Postcode” (NFU likewise) Just to remind you: We had a total loss claim summer 2005 when our double cab pickup truck was written of (while parked) by an uninsured driver who ran away. We have a police number and everything as driver was a known local junkie. As insurance company had to pay out for a new vehicle I think this is more to do with it then a postcode lottery. Anyway not to worry…. still to try "bakers of cheltenham" but they are having IT problems safeguard @ £506 Comfort @ £611 Chaucer @£626 Campton @£590 As Safeguard nicer on phone and cheaper including breakdown and green card cover in standard policy. I will most probably go with them…. Thanks again everyone for your input! Link to comment Share on other sites More sharing options...
empress Posted February 6, 2007 Share Posted February 6, 2007 Would not really recommend Bakers - they were suggested to us by a relation and their quote was good! Perhaps we may have been unlucky. when we had our wing mirror mishap in France last year, we rang them for advice. We were told to ring Norwich Union the underwriters. Quite hopeless! We spoke to a young chap who had no idea about motorhomes let alone the difficulties of being in deepest France without a lefthand mirror. He suggested we got three quotes before we would get permission to have a replacement fitted. Not very practicable. Eventually we managed to get a more knowledgable man to ring us back, by this time our mobil phone and nerves were rundown. All was well in the end. Until you have a mishap you have no idea what kind of service you will receive. Empress Link to comment Share on other sites More sharing options...
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