Best insurance to go for on new California Ocean?

[66tim99]

I enclose the LV Campervan Policy Document. Following your extensive conversation with a Senior LV Manager would you be so kind as to point out which section covers damage to the vehicle whilst camping, in particular kitchen fire whilst cooking or storm damage to the roof mechanism or attached awning etc:

Accidental damage. I’ve got a great quote from LV and intend to insure my ocean with them when it finally arrives. I spoke to them about the lack of camper-specific words (after being alerted by you WG I think - thanks) and they explained roof, awning, fire are all accidental damage. She verified it with the claims department. Stealing the van via the pop up roof would be vandalism. “Yes we do know we’re insuring a campervan” she said, it says so on the quote. All our calls are recorded and we can trace it back, as we know when we’ve spoken to you.

 

[66tim99]

Ocean on the quote. They do differentiate the Beach, Coast and Ocean

 

[WelshGas]

View attachment 81269
Ocean on the quote. They do differentiate the Beach, Coast and Ocean

Pity they don't use specific terms rather than "accident" or "vandalism" which can be interpreted in various ways.
eg: leaking water tank? Accident or not.
Anyway, as long as people are happy with the cover of the recent policies, all is well.

 

[66tim99]

Pity they don't use specific terms rather than "accident" or "vandalism" which can be interpreted in various ways.
eg: leaking water tank? Accident or not.
Anyway, as long as people are happy with the cover of the recent policies, all is well.

Yes its a shame the campervan policy document (accessed via the campervan page of their website) is titled Car Insurance policy document. I insisted she answer the questions above, initially in writing, but she said these days its all done by voice recording, so... I'm comfortable enough. Happy is rarely the right word to describe my feelings about insurance (until they pay out!)

 

[DaveTree]

View attachment 81263
Accidental damage. I’ve got a great quote from LV and intend to insure my ocean with them when it finally arrives. I spoke to them about the lack of camper-specific words (after being alerted by you WG I think - thanks) and they explained roof, awning, fire are all accidental damage. She verified it with the claims department. Stealing the van via the pop up roof would be vandalism. “Yes we do know we’re insuring a campervan” she said, it says so on the quote. All our calls are recorded and we can trace it back, as we know when we’ve spoken to

I enclose the LV Campervan Policy Document. Following your extensive conversation with a Senior LV Manager would you be so kind as to point out which section covers damage to the vehicle whilst camping, in particular kitchen fire whilst cooking or storm damage to the roof mechanism or attached awning etc:

Haha, you really do have too much time on your hands..... As I said before, you get a quote from the L&V Motorhome and Campervan specific website, NOT from a general car website. The policy covers everything you would reasonably expect such a vehicle to have, the important bit is there are NO relevant exclusions in the policy.....duh !! All confirmed by L&G underwiters. You really should put your time to better use instead of trying to frighten people off getting cheaper insurance.

 

[DaveTree]

I would also like to see written confirmation as to whether they regard the roof being up as being the same as the roof being open.

In their words the van is not covered for theft if the roof is open.

I was looking at insuring the Morgan with them as well, but that wouldn't be covered if the roof was open, or the windows left open. They were not impressed when I pointed out that both the roof and the windows tended to be left at home.

Even if the windows were attached & shut, they slide open easily, there is no catch on them, similarly there is no point locking the doors, with no windows on you don't even need to open the doors to get in & if they were locked, being a 1950s landrover item, a lolly stick works as well as the keys. If that isn't easy enough, you could undo one popper and release the lock from inside the car.

The Morgan has nothing to do with it, it is a car. The California is a campervan and has a pop top roof. L&G confirmed to me that there are no exclusions in the policy about having it open so it would be fully covered in the event of break in and theft.

 

[DaveTree]

I enclose the LV Campervan Policy Document. Following your extensive conversation with a Senior LV Manager would you be so kind as to point out which section covers damage to the vehicle whilst camping, in particular kitchen fire whilst cooking or storm damage to the roof mechanism or attached awning etc:

Hahaha you really have way too much time on your hands...you still don't get it do you. You get a quote from the LV's Motorhome and Campervan specific website, NOT from a general car website. The policy covers everything you would reasonably exoect such a vehicle to have, the important bit is there are NO relevant exclusions in the policy.....duh !!

 

[Vagophile]

I enclose the LV Campervan Policy Document.

@WelshGas, I think that you really have got your knickers in a twist with this.
The document you have provided is not the current LV camper insurance. (or we are confusing different things).
The insurance is provided by Highway, (part of LV) as a "Highway Specialist Vehicle Policy".
I am not sufficiently savvy to be able to provide a PDF.
I bought my policy through A.I.B., a partner on this site and they should know what they are doing; I certainly hope so, they are supposed to be specialists.
In a former life, I spent over 30 years dealing with high value contracts; I would be disappointed if I have missed something in my insurance contract that would mean certain aspects of my usage of the camper were uninsured.
I'm with @DaveTree on this; it seems as if LV have updated their thinking about motorhomes and campers.
My premium is £339.44 comp , no business use.

 

[WelshGas]

Hahaha you really have way too much time on your hands...you still don't get it do you. You get a quote from the LV's Motorhome and Campervan specific website, NOT from a general car website. The policy covers everything you would reasonably exoect such a vehicle to have, the important bit is there are NO relevant exclusions in the policy.....duh !!

That was from the Campervan specific website. Do keep up
.

 

[WelshGas]

@WelshGas, I think that you really have got your knickers in a twist with this.
The document you have provided is not the current LV camper insurance. (or we are confusing different things).
The insurance is provided by Highway, (part of LV) as a "Highway Specialist Vehicle Policy".
I am not sufficiently savvy to be able to provide a PDF.
I bought my policy through A.I.B., a partner on this site and they should know what they are doing; I certainly hope so, they are supposed to be specialists.
In a former life, I spent over 30 years dealing with high value contracts; I would be disappointed if I have missed something in my insurance contract that would mean certain aspects of my usage of the camper were uninsured.
I'm with @DaveTree on this; it seems as if LV have updated their thinking about motorhomes and campers.
My premium is £339.44 comp , no business use.

Check the reviews for Highway.

 

[andyinluton]

The Morgan has nothing to do with it, it is a car. The California is a campervan and has a pop top roof. L&G confirmed to me that there are no exclusions in the policy about having it open so it would be fully covered in the event of break in and theft.

I was using the Morgan as an example of how little product knowledge they have.

From LVs specialist Campervan policy:
We won’t pay for:
• loss or damage to your car by theft or attempted theft if:
‒ your car has been left unlocked or with a window or roof open;
‒ the engine has been left running when unattended;
‒ your car doesn’t have an active and working
tracking device and your schedule confirms this is
required;

So as I said is the roof being up regarded as the same as the roof being open?

 

[andyinluton]

Also worth noting that despite having 3 different specialist areas of their web site, Car insurance, Motorhome insurance and lastly Campervan insurance, the policy documents that you end up with are exactly the same & refer to "your car" even if it is a Campervan etc.

 

[Joker 1299]

I was using the Morgan as an example of how little product knowledge they have.

From LVs specialist Campervan policy:
We won’t pay for:
• loss or damage to your car by theft or attempted theft if:
‒ your car has been left unlocked or with a window or roof open;
‒ the engine has been left running when unattended;
‒ your car doesn’t have an active and working
tracking device and your schedule confirms this is
required;

So as I said is the roof being up regarded as the same as the roof being open?

I wouldn’t worry. If the thief did get in, he wouldn’t be able to lower the roof to drive away!

 

[DaveTree]

That was from the Campervan specific website. Do keep up
.

This is hard work....you still don't get it,

 

[DaveTree]

That was from the Campervan specific website. Do keep up
.

This is hard work....you still don't get it !! They are insuring a motorhome/campervan, show me the exclusions you were talking anout ! Me thinks you really don't understand insurance at all....

 

[DaveTree]

Also worth noting that despite having 3 different specialist areas of their web site, Car insurance, Motorhome insurance and lastly Campervan insurance, the policy documents that you end up with are exactly the same & refer to "your car" even if it is a Campervan etc.

So what, your Ocean is described as such and it was through a specialist Motorhome/Campervan website, do you not undetstand the insurance principal of exclusions ?? Obviously not.

 

[DaveTree]

I was using the Morgan as an example of how little product knowledge they have.

From LVs specialist Campervan policy:
We won’t pay for:
• loss or damage to your car by theft or attempted theft if:
‒ your car has been left unlocked or with a window or roof open;
‒ the engine has been left running when unattended;
‒ your car doesn’t have an active and working
tracking device and your schedule confirms this is
required;

So as I said is the roof being up regarded as the same as the roof being open?

The roof open refers to a soft top car where the roof has been 'removed' ie it is open to the elements. It is completely different with the California, even with the roof 'open', it is still enclosed with the fabric, exactly like a soft top car would be with the roof up. Do you get it now ??

 

[Louis II]

I'd let it drop Dave life's too short. We'll be back round to awnings & kitchen fires soon.
I don't get the specialist policies either but they do seem to give people peace of mind which at the end of the day is what insurance is all about.

 

[andyinluton]

The roof open refers to a soft top car where the roof has been 'removed' ie it is open to the elements. It is completely different with the California, even with the roof 'open', it is still enclosed with the fabric, exactly like a soft top car would be with the roof up. Do you get it now ??

What on earth has open topped cars got to do with it?

This is a supposed Campervan specific policy, why do you think that “roof open” doesn’t apply to a Campervan?
Seems clear to me that if the roof is open the exclusions apply.

 

[DaveTree]

What on earth has open topped cars got to do with it?

This is a supposed Campervan specific policy, why do you think that “roof open” doesn’t apply to a Campervan?
Seems clear to me that if the roof is open the exclusions apply.

Dear me, you bought the Morgan up....or have you forgoten. Better have a lie down. The roof is not open in the sense a roof is open in the Morgan or any soft top car - it is not open to the elenents, what bit of that do you not understand ??

 

[WelshGas]

This is hard work....you still don't get it !! They are insuring a motorhome/campervan, show me the exclusions you were talking anout ! Me thinks you really don't understand insurance at all....

It is hard work, on my part. Last year LV did not have the "specialist" policies. A fact you don't seem to understand. Now they do "apparantly" according to you but the blurb available on the specific websites are very generic and not specific regarding parked up, camping accidents although according to you they provide the cover.
My policy is specific regarding these aspects, in writing and not dependant on a recorded phone conversation and I pay £25 more compared to LV specific Campervan policy quote for 20,000 miles/year and higher contents etc. In fact LV wouldn't quote for that milage.
Just accept they have changed according to you.

 

[Despo]

It is hard work, on my part. Last year LV did not have the "specialist" policies. A fact you don't seem to understand. Now they do "apparantly" according to you but the blurb available on the specific websites are very generic and not specific regarding parked up, camping accidents although according to you they provide the cover.
My policy is specific regarding these aspects, in writing and not dependant on a recorded phone conversation and I pay £25 more compared to LV specific Campervan policy quote for 20,000 miles/year and higher contents etc. In fact LV wouldn't quote for that milage.
Just accept they have changed according to you.

Yet this year (from post 14) you were still talking rubbish about the policy ???

 

[andyinluton]

The roof is not open in the sense a roof is open in the Morgan or any soft top car - it is not open to the elenents, what bit of that do you not understand ??

Where does it say that in the LV exclusions?
This is a Campervan specific policy, the only roof that opens on a Campervan is the pop-top.
Its pretty clear - I've pasted the specific exclusion from their conditions.
It's what written in the policy document that counts, not what some bloke on the internet said, do you not understand?
It does not look to be open to interpretation, if the roof is open you are not covered for theft.

 

[Despo]

Where does it say that in the LV exclusions?
This is a Campervan specific policy, the only roof that opens on a Campervan is the pop-top.
Its pretty clear - I've pasted the specific exclusion from their conditions.
It's what written in the policy document that counts, not what some bloke on the internet said, do you not understand?
It does not look to be open to interpretation, if the roof is open you are not covered for theft.

Calm down, which bloke on the internet are you talking about now ?? (And you still don't get it)

 

[Joker 1299]

As someone who knows nothing about insurance I would say the policy wording quoted by Andy is badly written and ambiguous. A California roof is either up or down, not open or closed. Unless you have the panoramic front window open in which case, the roof is open. Ambiguity in insurance policies is not good