Do I need 'special' insurance?

[theonecraw]

Hi Folks,

Almost there on a purchase on my first VW California. I have been online and spoken to a few brokers and insurance seems remarkably cheap. Almost 1/2 the price of my current Range Rover Sport insurance. Am i missing something? Do I need 'special' insurance to make sure I am fully covered?

Thanks in advance!

 

[WelshGas]

Just check your Insurance company knows exactly what the vehicle is and will cover the habitation area and all the camping equipment you will end up carrying.
Caravan Club, Camping & Caravan Club, Comfort and some others specialise in Campers and Motorhomes so do know.
Caravan Club include 2 years GAP insurance on new vehicles.

 

[2into1]

But if you need business use it gets a bit trickier / expensive. The bargain price stems from them thinking it's for high days and holidays, vs your RR Sport which they imagine will be duelling in city traffic every day.

 

[CALI FATE]

Hi - i am an insurance broker but cant beat the LV rate i have found on compare the market. the vehicle is correctly listed and there are a number of insurers who (rightly) view California owners as steady eddies. if you are buying a Beach just ensure they know how many seats you have, as most will show it as a 5 seater. however, they do not charge any more for the 6th or 7th seat. i will try safeguard via VWCC when the renewal is due.

 

[CALI FATE]

PS - mine is insured for business use in addition to commuting - again, no additional cost.

 

[treecity]

But if you need business use it gets a bit trickier / expensive. The bargain price stems from them thinking it's for high days and holidays, vs your RR Sport which they imagine will be duelling in city traffic every day.

I added business use... no extra cost.

 

[2into1]

You only need to do the maths. £55k vehicle, reasonably targetable by thieves, carrying gas cylinder, naked flames often used inside. Why would that cost 1/4 of the cost of a comparable vehicle if the insurer didn't think it was only used a 1/4 of the miles / time of a comparable vehicle?