ALANSUE Posted March 9, 2007 Share Posted March 9, 2007 Hello everyone, this is my first of many posts as I am just about to take delivery of my first motorhome. INSURANCE: Can anyone advise who I might approach for insurance and how much it is likely to cost. Any help would be really appreciated as I really am very wet behind the ears on this. The value of the Motorhome is 30 thousand. Thanks very much Alan Marlow Link to comment Share on other sites More sharing options...
david lloyd Posted March 9, 2007 Share Posted March 9, 2007 Hi Alan Welcome to the MMM forum and to the wonderful world of motorhoming! This is going to be a difficult question to answer as the price for insurance is based on so many factors - number of drivers, their age/experience, any previous accidents, age/value of vehicle etc etc. But there are many insurance companies that specialise in insuring motorhomes and most can be found in the pages of MMM. We have our 2006 model Knaus Sun Ti (2.5 dci) insured with Safeguard who we have been with for some years now and have nearly always been the most competitive for the policy we require. Except for a short break we had with SAGA - I know, I know, we are far too young to be going with SAGA....... Just to give you some idea - the renewal last year was £425 fully comprehensive with full european breakdown cover. Good luck with the search, Best regards, David Link to comment Share on other sites More sharing options...
Bazza454 Posted March 9, 2007 Share Posted March 9, 2007 Hi Alan, I agree with Davids comments, in addition, your postcode and where the vehicle is parked, road, drive etc will have a bearing on the cost. Most insurers (but not all) will insist that a Thatchem cat 1 alarm is fitted to a new van. I also have a Knaus and changed last year from Saga to Caravan Guard. The annual premium is £278 fully comprehensive, this includes UK Breakdown Roadside Assist but not European Breakdown Insurance, this would be an additional £42. Hope this helps. Link to comment Share on other sites More sharing options...
Mel E Posted March 9, 2007 Share Posted March 9, 2007 Alan, There are two factors which make the biggest difference: - where you live (postcode) and where the vehicle will be kept. - your accumulated No Claims Bonus. As this is your first motorhome, my guess is that the latter is zero. So you'll need to shop around for a company that will give you an introductory bonus or will take some account of the earned NCD on your car. You MUST use a broker who is familiar with the insuring of motorhomes - you cannot get direct insurance on one. Motorhome insurance is NOT like car insurance - it is not a 'commodity purchase'. There are currently over 1,000 different motorhome models on sale in the UK with total sales of new motorhomes last year totalling what? - under 10,000?. The best bet, as already stated, is to ring round each of the insurance brokers that advertise in MMM. It's the same problem people have when they buy their own car after driving a company owened/leased and insured one for several years. Mel E ==== Link to comment Share on other sites More sharing options...
Dancer Posted March 9, 2007 Share Posted March 9, 2007 Hi Alan. Try Caravan Club as a first stop. We got a very good deal from them for our Elnagh Magnum A class (4100kg), and previously for our Autosleeper Legend. Good luck and welcome to the fraternity. Link to comment Share on other sites More sharing options...
tp002c784tp002c784tp Posted March 9, 2007 Share Posted March 9, 2007 Hi Alan I was insured for many years by Comfort insurance and I was never tempted to change as I always thought I was been quoted a good price but in November last year I bought a new Lunar Telstar around the same price as you have paid, the price I was quoted for the new vehicle shot up, so I decided to shop around most of the prices I was quoted were much lower than comfort, But I ended up with caravan guard with the best price of £275, But I was on Max. no claims bonus with many years of driving, you may of course have earned no claims bonus with a car and this will still count in your favour, no doubt next year my premium may increase as I did get a discount for been a new insurer with caravan guard, but they are definatly worth a try Terry Link to comment Share on other sites More sharing options...
Basil Posted March 9, 2007 Share Posted March 9, 2007 Funny that Dancer, Caravan Club have consistantly been one of the worst quotes for ours. The other thing to ensure is that all the quotes are offering the same or similar cover, I did a trawl round this year and only two companies beat my renewal quote with Caravanwise, and only by a small margin of around £15 against a £256 policy but I did not accept either. One was Budget who in the small print placed milage restrictions and would not cover some extras that were fitted, cruise control being one of those, and the other SAGA who were only about £5 less. All the rest including Comfort, Safeguard etc were all way higher to the tune of between £80 and £150 more. Bas Link to comment Share on other sites More sharing options...
empress Posted March 9, 2007 Share Posted March 9, 2007 We have returned to Safeguard this year after a not very agreeable experience last year. Safeguard's quote was competative. Do wish you all the best with your new motorhome. Empress Link to comment Share on other sites More sharing options...
Wills Wagon Posted March 9, 2007 Share Posted March 9, 2007 I know this is sacrilege but Motor Caravan magazine April 2007 which is out now has surveyed 19 Insurers and is well worth a read. I am obtaining quotes at the moment and the cheapest is Caravan Guard but they have high excesses, best value is Willis(Equity Red Star), Comfort and Safeguard are also reasonable. These also include UK and continental breakdown cover. Saga was the most expensive by far. Security features, where the vehicle is stored and your personal details like accidents and driving records are key items. NCB is also important but when I first started motorhoming 4 years ago they gave me 4 years based on my car NCB, lack of accidents and penalty points. Good luck. Link to comment Share on other sites More sharing options...
fred grant Posted March 9, 2007 Share Posted March 9, 2007 which motorhome also has a survry this month and it looks more comprehensive than the motorcaravan mag one. it would be worthwhile investing in a copy as theres a lot of info and explanations about van insurance. you could do your own survy and tell all us forum members the results. fred its a minefield out there, and i went and stepped in a large smeelly cow pat Link to comment Share on other sites More sharing options...
ALANSUE Posted March 9, 2007 Author Share Posted March 9, 2007 Blimey!! What a great bunch really you are!!! THANK YOU so very much for your comments for far. We really appreciate this and when we can we will offer the same valueable advice back to new and potential newbies like us. We are so excited and cannot wait to meet you `OUT n ABOUT` THANK YOU SO VERY MUCH FOR MAKING US SO VERY WELCOME!!! Alan & Sue Marlow, Kingsthorpe, Northampton. UK Link to comment Share on other sites More sharing options...
ALANSUE Posted March 9, 2007 Author Share Posted March 9, 2007 edited because of spelling errors..sorry! Alan Link to comment Share on other sites More sharing options...
Dancer Posted March 9, 2007 Share Posted March 9, 2007 Alan&Sue. Most of us leeve the speling errors in, adds interest to the thread and does'nt embarass those of us who can't spell or can't find how to use the sepll check. Whatever insurance route you take for your m/home, the main thing to remember is 'take it slowley and enjoy it'. Your holidays start as you turn in the ignition. Link to comment Share on other sites More sharing options...
ALANSUE Posted March 10, 2007 Author Share Posted March 10, 2007 Frank, the dancer..? Cheers From a very stressy world to this NEW world.. who really cares about spelling! Cheers..and thanks again see you soon..many of you......... alan marlow Link to comment Share on other sites More sharing options...
ALANSUE Posted March 10, 2007 Author Share Posted March 10, 2007 PS FRANK.. I just love what you have quoted: `Your holidays start as you turn in the ignition.` BRILL! Alan Link to comment Share on other sites More sharing options...
michele Posted March 10, 2007 Share Posted March 10, 2007 Yep he got that right . You have happy travels and adventures now take it easy after all once aboard relax and enjoy Franks right it starts straight away . I have been known to get just down the road and pull in and just sit watch the traffic go by have a cuppa then relaxingly get back behind the wheel and carry on to the shuttle . Nothing like a M/H to make you feel like this. Welcome happy travels ;-) Link to comment Share on other sites More sharing options...
Mel E Posted March 12, 2007 Share Posted March 12, 2007 Back - briefly - to insurance. Magazine articles are helpful, but there really is no substiture for shopping around. I've found, each time I've changed my motorhome, that different insurers are better at specific segments of the market. So when I bought my first new motorhome, the insurer of my previous vehicle (used) wouldn't even quote. Comfort was brilliant until I changed to a van conversion, then their price was completely uncompetitive. So give your self time and ring around. If too many of the ads have 0870 numbers (premium rate in effect), go to the web site [www.saynoto0970.com] to get a normal std number. Mel E ==== Link to comment Share on other sites More sharing options...
Guest starspirit Posted March 12, 2007 Share Posted March 12, 2007 If the van is valued at £30000 tell the insurers it is worth £29950. That way you don't HAVE to have or use a Thatcham approved alarm as a condition of most insurance policies. Link to comment Share on other sites More sharing options...
Keith T Posted March 12, 2007 Share Posted March 12, 2007 I tend to shop around each year, and find considerable variations. One thing I have done is to 'revalue' the vehicle, as this can make some difference with certain companies. Also it's sometime worth shopping around, then quoting the 'best' price to the exisitng insurers, and they will sometimes 'price-match'. The important things though is to get a specialist motorhome policy to include all sorts of things not in a simple car policy, but also try to exclude some things wehich may already be in, for example, the house contents policy, as there is just no point in paying twice for the same thing. I exclude quite a few things this way from the motohome policy, and have the 'all risk's cover within the home contents. Some policies will also include UK/Euro breakdown of various levels, otherr will eclude altogether, but may be available as an 'add-on, so do check exactly what you need, and equally what the price covers. Best of luck, enjoy motocaravanning! Link to comment Share on other sites More sharing options...
breakaleg Posted March 12, 2007 Share Posted March 12, 2007 Hi i shoped around this year, first time in around 20 years, my old insurance company wanted £495, had quotes rangeing from £600 to £288 with caravan guard (equity red star) gues which one i picked (lol) (lol) oh, and quote me happy was the dearest. pete Link to comment Share on other sites More sharing options...
david lloyd Posted March 12, 2007 Share Posted March 12, 2007 Hi alan&sue One other thing that springs to mind if you are contemplating getting insurance cover with an integrated breakdown cover is to ensure that the breakdown assistance actually covers your vehicle. Believe it or not some insurers give the breakdown cover (with AA or one of the other rescue services) but there have been occasions when they have refused to retrieve the vehicle because it is too big at over 6 metres!! Regards, David Link to comment Share on other sites More sharing options...
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