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Comfort Insurance - won’t insure my California

LemonDrop

LemonDrop

Lifetime VIP Member
Messages
379
Location
Hampshire
Vehicle
T6 Beach 150
We've got a Beach (MPV) and since the start have been insured with Safeguard under their motor caravan policy with full camping cover. Never had a reason to claim so can't comment on that but they have always been very straightforward and helpful to deal with. The underwriters are LV who get very good customer feedback in the event of a claim.
 
Broch Hunter

Broch Hunter

VIP Member
Messages
235
Location
North Wales
Vehicle
T6 Ocean 199 4 motion
Hello everyone,

We note that that there’s been some discussion in this thread on Californias that are specified as MPV on the V5C document.

We are delighted to confirm that we can and do provide cover for Californias, if the V5C shows MPV. We would however recommend that where you can, you try and get the DVLA to register your vehicle as a ‘van with side windows’. We say this because not all insurers are able to provide cover for a California registered as a MPV and we like to treat customers fairly and give them the opportunity to maximise their options and have access to the widest possible choice of insurers, to get the most suitable and affordable cover available. We’re always happy to speak to California owners and to offer assistance, as we know at times vehicle classification and insurance can be confusing.


I am pleased to see that Comfort have now confirmed that they do in fact provide cover for all Californias, including MPVs. It was unfortunate that several of us were give different advice, but having spoken again with Comfort I am confident that this should not happen again.
 
S

Scanacali

VIP Member
Messages
34
Location
Berkshire
Vehicle
T6 Ocean 150
Hello everyone,

We note that that there’s been some discussion in this thread on Californias that are specified as MPV on the V5C document.

We are delighted to confirm that we can and do provide cover for Californias, if the V5C shows MPV. We would however recommend that where you can, you try and get the DVLA to register your vehicle as a ‘van with side windows’. We say this because not all insurers are able to provide cover for a California registered as a MPV and we like to treat customers fairly and give them the opportunity to maximise their options and have access to the widest possible choice of insurers, to get the most suitable and affordable cover available. We’re always happy to speak to California owners and to offer assistance, as we know at times vehicle classification and insurance can be confusing.
My 2019 California Ocean is registered as an MPV and has been insured with Comfort for over a year. I did tell Comfort when taking out the policy that it was shown on the V5 as an MPV. I was a bit concerned when I read the statement from Comfort above, that not all their insurers cover vehicles classified as body type MPV. I phoned them to check that the insurer they had placed my California with did cover the vehicle. The person I spoke to on checking, confirmed that my policy with Aviva fully covered me. They were also aware of the Comfort statement made on this forum.
 
D

dazcleveland

Messages
2
This incorrect V5 registration issue seems very similar to a situation which occurred over 10 years ago with our 2007 Cali. Around that time new Cali’s were being registered with the DVLA as “diesel cars” so when the new policy of charging car tax based on emissions was introduced, the cost for Cali’s was ridiculously high. If my memory serves me correctly, I believe VW eventually got involved and arranged for owner’s V5’s to be reclassified as PLG / Motor Caravan with a corresponding reduction in car tax. We even received a bit of a refund for the previous overpayment!! I believe the original classification error was VW’s fault so this situation is not new to them and it should be possible to rectify it retrospectively!!
 
ColliePops

ColliePops

Lifetime VIP Member
Messages
21
Location
Chesterfield
Vehicle
T6 Ocean 204
Interesting. A couple of question if I may:

1. Is your Ocean registered as an MPV?
2. Were you insured with Comfort last year?

My understanding is that the registration body type cannot be changed retrospectively from MPV to Motorhome. It was a quirk of 2019 for which VW blame DVLA and DVLA blame VW

1. Yes
2. Yes on purchase in 2019 and Yes on renewal 2020 (around £270 which I consider fair) .

And no the classification won't be changed retrospectively. I applied under the "old rules" as they were still valid policy at the beginning of 2019. DVlA held the application for five months - then published the changed rules -then simply sent my log book back.
 
B

BeeBee

VIP Member
Messages
227
Location
Glasgow
Vehicle
T6 Ocean 150
I’m finding this pretty concerning. We insured our California Ocean 150 DSG with Comfort last year, reg 2019. The V5 states MPV but I just checked all of my Certs from Comfort and they keep referring to ‘Motorhome’. At the time of insuring I emphasised that this was a Campervan and V5 MPV ( at that time I didn’t know that this was a glitch only 2019 !) but they assured me that’s what they referred to California’s as !!!
Should I be worried , it’s due for renewal in February ?
 
Stoneybroke

Stoneybroke

VIP Member
Messages
1,110
Location
Staffordshire
Vehicle
T6 Beach 150
Hello everyone,

We note that that there’s been some discussion in this thread on Californias that are specified as MPV on the V5C document.

We are delighted to confirm that we can and do provide cover for Californias, if the V5C shows MPV. We would however recommend that where you can, you try and get the DVLA to register your vehicle as a ‘van with side windows’. We say this because not all insurers are able to provide cover for a California registered as a MPV and we like to treat customers fairly and give them the opportunity to maximise their options and have access to the widest possible choice of insurers, to get the most suitable and affordable cover available. We’re always happy to speak to California owners and to offer assistance, as we know at times vehicle classification and insurance can be confusing.
Sorry, but surely it is for the insurers, if they want our business, to understand the market and the vehicles they insure?
Going to DVLA on and ad-hoc basis to change the vehicle type, as defined by the manufacturer, in consultation with the DVLA, is a fudge. Furthermore, wouldn't we have to declare this change to the insurer as a "relevant fact"?
 
S

Scanacali

VIP Member
Messages
34
Location
Berkshire
Vehicle
T6 Ocean 150
I’m finding this pretty concerning. We insured our California Ocean 150 DSG with Comfort last year, reg 2019. The V5 states MPV but I just checked all of my Certs from Comfort and they keep referring to ‘Motorhome’. At the time of insuring I emphasised that this was a Campervan and V5 MPV ( at that time I didn’t know that this was a glitch only 2019 !) but they assured me that’s what they referred to California’s as !!!
Should I be worried , it’s due for renewal in February ?
My 2019 California is on an Aviva motorhome policy. I did query this with them at the time as they do show on their website they have Campervan policies and Motorhome policies. They stated that the California could go on either, but the reason they put it on the Motorhome policy was the higher levels of cover, i.e. for personal effects/ancillary equipment the cover is £5000 on the Motorhome policy. The continental single trip limit is also longer at 120 days on the Motorhome policy against 90 on the Campervan policy. Also the Campervan policy is with a different insurer. As per my previous post. Comfort have confirmed with me that my California with V5 as MPV is fully covered on the Aviva policy.
 
Last edited:
Taylor

Taylor

The Taylor’s Beach
VIP Member
Messages
21
Location
Hants
Vehicle
T6 Beach 150
I bought my current California Ocean a year ago, the 12 months free insurance which VW kindly included in the deal is about to expire, so I have been looking for new cover. I was previously with Caravan & Motorhome insurance, but Comfort seem popular among Cali owners so I thought I would try them this year. Having obtained a quote I pointed out that my Cali was one of those registered in the strange period in 2019 when DVLA registered the Ocean as an MPV. The response from Comfort was that as it is not a motor home they will not insure it, unless I get it re-registered as a Motor Home. I was surprised as I had searched the forum and found that Comfort knew of this problem a year ago and were accepting the MPV classification.


I was told I was wrong, after which the conversation did not go well and I will now go elsewhere.

Has anyone else had a similar problem with Comfort recently?
Comfort are a bunch of wasters go else where
 

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