Having trouble getting insurance for my ocean with on street parking and commuting

[Kingpopsy]

I'm 50+,9years+ ncb, nice postcode. I want to park it on the street, outside the house, daily driver and use it to commute. A couple of insurance companies won't insure me and a couple of others are £700+. Anyone had this trouble?

 

[Pineweasel]

Have you tried Safeguard? My circumstances are very similar and they cover me for substantially less that that.

 

[antonio buffa]

Your situation identical to mine and have insurance with Safeguard no problem
If you get VIP membership of forum you also get discount on quote

 

[antonio buffa]

Forgot to say, premium just under £400

 

[Joker 1299]

As an insurance broker, I never thought I would say this, but, Direct Line. I’m insured with them. Parked on street and commuting.

 

[Kingpopsy]

Have you tried Safeguard? My circumstances are very similar and they cover me for substantially less that that.

Yes I tried safeguard. They quoted me £750+,and also they wanted to attach certain criteria to the policy. Like, I couldn't use it to commute more than twice a week etc very strange

 

[Kingpopsy]

As an insurance broker, I never thought I would say this, but, Direct Line. I’m insured with them. Parked on street and commuting.

When you got insurance with them did you have to let them know about the extra stuff in the van? Ie cooker etc

 

[Loz]

I have the same requirements, but commuting is to a single place of work(station) and have received a good quote from LV= (165) however I went with Clubcare (Caravan and Motorhome club insurance) at £320 as it has other camper specific extras included.
Use the comparison sites to tweak things like occupation etc. to work out what it is that is pushing it up, and have you added a spouce and have access to another vehicle..

Read MSE’s guide to using the comparison sites to your best advantage.

 

[Joker 1299]

When you got insurance with them did you have to let them know about the extra stuff in the van? Ie cooker etc

The cooker is not extra, it’s a standard part (on the Ocean), so no.

 

[Mr & Mrs B]

We park ours on a communal car park outside our flat, which is classed as public road for insurance, and also got commuting to and from work for both of us. We're insured with C&MC and have a reasonable premium.

 

[WelshGas]

The cooker is not extra, it’s a standard part (on the Ocean), so no.

I would check very carefully. Some companies only Insure the vehicle and not the habitation equipment even though it is fitted as standard. Specialist companies include the habitation equipment as they know what a California Ocean/SE is.

Your quote is suspiciously low for a California, but not for a Transporter.

 

[Joker 1299]

I would check very carefully. Some companies only Insure the vehicle and not the habitation equipment even though it is fitted as standard. Specialist companies include the habitation equipment as they know what a California Ocean/SE is.

Your quote is suspiciously low for a California, but not for a Transporter.

I have checked, thanks. They insure the fixtures and fittings, but not the contents. They are covered under my home contents. Not that I would claim for anything damaged or missing from the van. I don’t think I said how much my quote was?

 

[Kingpopsy]

I have the same requirements, but commuting is to a single place of work(station) and have received a good quote from LV= (165) however I went with Clubcare (Caravan and Motorhome club insurance) at £320 as it has other camper specific extras included.
Use the comparison sites to tweak things like occupation etc. to work out what it is that is pushing it up, and have you added a spouce and have access to another vehicle..

Read MSE’s guide to using the comparison sites to your best advantage.

Yes, I've added the missus and have access to another vehicle

 

[WelshGas]

I have checked, thanks. They insure the fixtures and fittings, but not the contents. They are covered under my home contents. Not that I would claim for anything damaged or missing from the van. I don’t think I said how much my quote was?

When I checked with them they would not cover the Hydraulic roof or Kitchen equipment/water tank etc:. They would cover the rear bench seat/bed as you can get the equivalent on a Caravelle.

 

[Zebedee]

I am 50 something, London postcode, commuting, (although I usually walk to work) and insured through Just Kampers. They are specialists so you get extended time abroad etc and they are used to insuring campers obviously. Have had no problems and they paid up on a hefty claim. I pay less than for my previous Sharan which I had for Mum’s wheelchair. All in all any London insurance on the road is going to be reasonably painful!

 

[Stow]

I'm a London postcode with on street parking and >10 years NCD. Safeguard were the only ones of the 4 I tried who could quote me. £800, which was not far off my old car and the difference in value makes that pretty reasonable!

 

[Kingpopsy]

I've had a quote from motor home and caravan, it's £538,that's for me and the wife with no comute I'm happy with that.

 

[Tom Downie]

As an insurance broker, I never thought I would say this, but, Direct Line. I’m insured with them. Parked on street and commuting.

Yes they're cheap but just try and get them to pay up when it goes wrong. Had to take it to the Ombudsman to get my money. Trouble was the car that hit me was also insured with them.

 

[Ian66]

I took the advice of another member off here, and went with NFU... I don't know how they would work out for you obviously, but for me, they beat all the other quotes by a mile, so may be worth a try.

 

[Joker 1299]

When I checked with them they would not cover the Hydraulic roof or Kitchen equipment/water tank etc:. They would cover the rear bench seat/bed as you can get the equivalent on a Caravelle.

That makes no sense. Not you, but the insurance logic. So if you have a convertible with a powered top, they wouldn’t cover it? And what’s the difference between a fresh water tank and a screen wash reservoir?

 

[WelshGas]

That makes no sense. Not you, but the insurance logic. So if you have a convertible with a powered top, they wouldn’t cover it? And what’s the difference between a fresh water tank and a screen wash reservoir?

They were basically covering the vehicle as a Caravelle.

I think replacing the Water or Waste tank damaged in a side collision would be a little more costly.

Most convertibles with a powered top tend to be electrical rather than Electro-Hydraulic and probably produced in larger numbers than a California and hence parts are cheaper.

 

[Joker 1299]

They were basically covering the vehicle as a Caravelle.

I think replacing the Water or Waste tank damaged in a side collision would be a little more costly.

Most convertibles with a powered top tend to be electrical rather than Electro-Hydraulic and probably produced in larger numbers than a California and hence parts are cheaper.

They are insuring the vehicle as it is when it leaves the factory with all of its integral parts. It’s no different from the ‘other’ California with its folding roof (and looking at their forum, they have as many roof problems as we do!) or the umbrella holder in the door of a BMW Phantom. Anything I introduce, pots, pans, tentpegs, sleeping bags, is at my risk and I accept that.

 

[Andy]

Personally I'd rather ask & know that the whole of my van & fittings are covered. In the past some insurers have said no when asked in all habitation is covered. NFU ,& LV to name two.

Sent from my SM-G950F using Tapatalk

 

[WelshGas]

They are insuring the vehicle as it is when it leaves the factory with all of its integral parts. It’s no different from the ‘other’ California with its folding roof (and looking at their forum, they have as many roof problems as we do!) or the umbrella holder in the door of a BMW Phantom. Anything I introduce, pots, pans, tentpegs, sleeping bags, is at my risk and I accept that.

we have obviously had different answers to the question. I was not prepared to take the risk so went elsewhere and know that everything is included.