ALAN G Posted December 30, 2019 Share Posted December 30, 2019 I have insured my house and contents through Camping and Caravanning Clubcare for many years. Latterly this has been with Royal and Sun Alliance. It's never been cheap but I could be away from home for the amount that I wanted ie about 70 days. The renewal cost, due next week, has risen from £446 with RSA to £995 with Ergo. I'm not impressed. I've tried 3 comparison sites but find it difficult to get assurance that the quotations (very much cheaper than I have been paying) will give the "Unoccupied Period" that I need without contacting the individual insurers. How do I find out what the policy details are before I pay? Advice please. Link to comment Share on other sites More sharing options...
Brian Kirby Posted December 30, 2019 Share Posted December 30, 2019 You have to contact the insurers, because for the answer to be contractually binding, it has to come from them. Ask for sample policy documents, and if they aren't clear, seek written clarification. Link to comment Share on other sites More sharing options...
weldted Posted December 30, 2019 Share Posted December 30, 2019 I use LV provided some one checks the house reguarly no problem. Link to comment Share on other sites More sharing options...
Steve H Posted December 30, 2019 Share Posted December 30, 2019 Consider getting a quote from the Caravan & Motorhome Club. I insure our home through them at a premium which is good enough to warrant being a member for no other reason. We get cover for up to 90 days. Maybe explain that if the quote is competitive enough you'll become a member. Link to comment Share on other sites More sharing options...
ALAN G Posted December 31, 2019 Author Share Posted December 31, 2019 Thanks for your comments. I've been a member of the Caravan Club for over forty years and the 'van and our car are insured through them. So I will try them. Hopefully downloading insurance policies prior to purchase should be easy. Link to comment Share on other sites More sharing options...
Mickt Posted December 31, 2019 Share Posted December 31, 2019 Get a friend to call in and use your landline every so often Link to comment Share on other sites More sharing options...
stevec176 Posted December 31, 2019 Share Posted December 31, 2019 I've just renewed with the Halifax BS at £291 and allows upto 60 days unoccupied but I checked before renewing and I can extend that period to whatever I want. Link to comment Share on other sites More sharing options...
pagey Posted December 31, 2019 Share Posted December 31, 2019 Steve H - 2019-12-30 9:34 PM Consider getting a quote from the Caravan & Motorhome Club. I insure our home through them at a premium which is good enough to warrant being a member for no other reason. We get cover for up to 90 days. Maybe explain that if the quote is competitive enough you'll become a member. i use the c&mc £220 up to 90 days unoccupied Link to comment Share on other sites More sharing options...
Rayjsj Posted December 31, 2019 Share Posted December 31, 2019 pagey - 2019-12-31 1:03 PM Steve H - 2019-12-30 9:34 PM Consider getting a quote from the Caravan & Motorhome Club. I insure our home through them at a premium which is good enough to warrant being a member for no other reason. We get cover for up to 90 days. Maybe explain that if the quote is competitive enough you'll become a member. i use the c&mc £220 up to 90 days unoccupied Me Too, mine is £240 with Sally Army via the CMC. Link to comment Share on other sites More sharing options...
machra Posted January 3, 2020 Share Posted January 3, 2020 We used Clubcare the other year when we had an extended sabbatical but also found their renewal quote was ridiculous. After looking round we went with Churchill. Their policy normally has a 30 days clause for leaving the house empty but if you speak to them they change that part of the policy and allow any extended period providing someone ‘checks the house weekly (like Weldteds LV policy). Link to comment Share on other sites More sharing options...
ALAN G Posted January 4, 2020 Author Share Posted January 4, 2020 Thanks for all your comments. I have now insured through the Caravan and Motorhome club at a very much much lower rate (£254) than Clubcare charged me last year (£446). I can't imagine why they thought that I would pay £900 !! In the past I used Clubcare for my vehicle breakdown insurance but when I got to 80 they didn't want to know me. Luckily, just at that time Nationwide Flexplus started vehicle breakdown and personal travel insurance so I opted for that. Recently it has become more expensive as the interest I used to get on the Flexplus account has been removed. However I am about £190 better off having gone to the Caravan Club and I will cancel our Camping Club membership as well, as we don't use their sites. It's all "swings and roundabouts" but, although sitting in front of a computer doesn't generate much exercise, looking at the results of comparison websites and reading the details of the insurance you are being offered really does keep the grey cells stimulated. Alan Link to comment Share on other sites More sharing options...
Steve H Posted January 4, 2020 Share Posted January 4, 2020 Glad you managed to get a good result Alan Link to comment Share on other sites More sharing options...
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