Insurance help from 2019 Cali owners

[homerorchid]

Any suggestions with regards to who might insure our 2019 Cali Ocean. The V5 classification changed in 2019 and now states that a Cali is an ‘MPV’ and not a Campervan or, therefore I am concerned that I may have problems when trying to insure it with typical campervan insurers such as Caravan & Camping Club and Caravan & Motorhome. The insurance I take out must include cover for interior fixtures and fittings and knowledge that I will be carrying gas in the vehicle. I don't want to just insure it as if it were just an expensive MPV, I want to insure it for want it really is a "Campervan"

 

[WelshGas]

Any suggestions with regards to who might insure our 2019 Cali Ocean. The V5 classification changed in 2019 and now states that a Cali is an ‘MPV’ and not a Campervan or, therefore I am concerned that I may have problems when trying to insure it with typical campervan insurers such as Caravan & Camping Club and Caravan & Motorhome. The insurance I take out must include cover for interior fixtures and fittings and knowledge that I will be carrying gas in the vehicle. I don't want to just insure it as if it were just an expensive MPV, I want to insure it for want it really is a "Campervan"

Have you phoned the companies/Clubs mentioned to discuss this. The Caravan & Motorhome Club certainly know what the VW California is and I was never asked about the DVLA classification.. They certainly do not want to lose customers because DVLA have changed things. Obviously if you had a conversion it might be more problematic.

 

[GSX1300R]

On our 2015 140 SE the V5 says Taxation class Diesel Car....Body type Motor Caravan...

 

[WelshGas]

On our 2015 140 SE the V5 says Taxation class Diesel Car....Body type Motor Caravan...

Not so since June 2019. Still M1, Diesel Car but Body Type now MPV.

 

[Lightning]

Try Safeguard, somebody else on here said they were not bothered.


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[andyinluton]

The insurance I take out must include cover for interior fixtures and fittings and knowledge that I will be carrying gas in the vehicle. I don't want to just insure it as if it were just an expensive MPV, I want to insure it for want it really is a "Campervan"

So what bit of the van do you think wouldn't be covered if you went to a mainstream "car insurer"?

If its attached to the van it would be covered. If it was stolen they wouldn't just give you the value of a an ocean less the value of the kitchen.

Why are you worrying about carrying gas? do you think everyone that goes camping in a tent & takes a gas cylinder changes their insurer to a specialist.

If you go mainstream insurer chances are you will be better covered, when I tried some of the specialists they wouldn't cover the van if left unattended for more than 3 days, others don't provide courtesy cars another one states their free accident / breakdown recovery service is not applicable to motorhomes.

I could understand the concern if it was an aftermarket conversion, but if an insurer of any type is willing to cover an Ocean they actually know what it is that they are covering with the proviso that you have of course declared all the extras - awning, bike rack etc

 

[homerorchid]

Having made several phone calls, the underwriters won't insure it as a campervan, advise is get DVLA to change it from MPV to campervan (or similar). Can't see them doing that, it has been changed for a reason, poss to make it more expensive to tax, also read it's to help the Police to recognise it more easIly e.g. looks more like an MPV. JCT600 Sheffield were really good and are going to investigate

 

[homerorchid]

Really good points "andyinluton" . If you take what you've said as read, exactly, why do people insure with specialist companies, what advantages do they offer?

 

[Meoncoast]

If you take what you've said as read, exactly, why do people insure with specialist companies, what advantages do they offer?

They often have a higher cover on contents carried in your camper below CMHC offer :-

Benefits of campervan insurance
New motorhome replacement
If you’ve owned your motorhome from new and it’s written off within 24 months of purchase, we’ll replace it with a new one
We cover up to £5000 of personal effects
Cover for your clothing, non-permanent fixtures and fittings and baggage up to £5000 (terms apply)
Emergency overnight accommodation
We’ll provide up to £75 per night for 15 nights’ overnight accommodation if your motorhome becomes unusable in an accident or loss

 

[Lightning]

So what bit of the van do you think wouldn't be covered if you went to a mainstream "car insurer"?

If its attached to the van it would be covered. If it was stolen they wouldn't just give you the value of a an ocean less the value of the kitchen.

Why are you worrying about carrying gas? do you think everyone that goes camping in a tent & takes a gas cylinder changes their insurer to a specialist.

If you go mainstream insurer chances are you will be better covered, when I tried some of the specialists they wouldn't cover the van if left unattended for more than 3 days, others don't provide courtesy cars another one states their free accident / breakdown recovery service is not applicable to motorhomes.

I could understand the concern if it was an aftermarket conversion, but if an insurer of any type is willing to cover an Ocean they actually know what it is that they are covering with the proviso that you have of course declared all the extras - awning, bike rack etc

Touring European cover >60 or 90 days.

More generous contents cover as standard.

Possible issues with cover for the rising roof have been mentioned in the past on this forum. Not sure about this.


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[WelshGas]

So what bit of the van do you think wouldn't be covered if you went to a mainstream "car insurer"?

If its attached to the van it would be covered. If it was stolen they wouldn't just give you the value of a an ocean less the value of the kitchen.

Why are you worrying about carrying gas? do you think everyone that goes camping in a tent & takes a gas cylinder changes their insurer to a specialist.

If you go mainstream insurer chances are you will be better covered, when I tried some of the specialists they wouldn't cover the van if left unattended for more than 3 days, others don't provide courtesy cars another one states their free accident / breakdown recovery service is not applicable to motorhomes.

I could understand the concern if it was an aftermarket conversion, but if an insurer of any type is willing to cover an Ocean they actually know what it is that they are covering with the proviso that you have of course declared all the extras - awning, bike rack etc

Actually some don’t realise there is a gas cooker, fridge or a Hydraulic Roof on the Ocean. I believe I’ve seen mentioned that LV won’t cover for fire damage caused by use of the gas cooker and rarely cover contents over £500 or so.

 

[Loz]

And Admiral won’t insure anything with running water onboard.

 

[Ch1pbutty]

Really good points "andyinluton" . If you take what you've said as read, exactly, why do people insure with specialist companies, what advantages do they offer?

Bespoke will cover the bits that you are not 100% sure about. A lot of the time bespoke cover will work out cheaper than an ‘off the shelf price’. Some people only find out exactly what is or isn’t covered when they have a claim... at that stage it’s too late!

 

[Sandyvan]

Second thread on the same subject now. can they be joined together and put to the top next to the roof corrosion I'm sure this is going to gain legs.

 

[GSX1300R]

Been insured with Admiral for 3 years now... Not had any problems with our California getting insurance with them...

 

[Bellcrew]

Bespoke will cover the bits that you are not 100% sure about. A lot of the time bespoke cover will work out cheaper than an ‘off the shelf price’. Some people only find out exactly what is or isn’t covered when they have a claim... at that stage it’s too late!

There are a lot of people using LV at the moment cos they are the most competitive, if anyone has a problem with a claim on their Ocean we would be hearing from them I presume.
I did use the Camping and Motorhome club for the first two years because of the built in Gap insurance but LV's quote was less than half their price for the third gap-less year.

 

[homerorchid]

I wrote the original I'm happy with that

 

[Loz]

Been insured with Admiral for 3 years now... Not had any problems with our California getting insurance with them...

Exactly the point, I specifically asked the question and they checked with the underwriter and said no, so I moved to LV for my first year. Just the fact that there was a possible risk of the claim being denied on a 60K vehicle was enough not to insure with them. They are often happy to accept you but the responsibility is on you to check if you are fully covered if you need to claim.
Now with CMC.

 

[homerorchid]

I can't get insurance with CMC (MY19 Ocean) because V5c now says it's an "MPV" not as previous to 2019 (as far as I'm aware) "Motorcaravan"

 

[GSX1300R]

So "Admiral Campervan Insurance" means.... They take your money but you are not covered for a CAMPERVAN. Campervans have Water, Gas and you sleep in them..
Sounds a bit Ironic really...

 

[Loz]

So "Admiral Campervan Insurance" means.... They take your money but you are not covered for a CAMPERVAN. Campervans have Water, Gas and you sleep in them..
Sounds a bit Ironic really...

Never heard of Admiral Campervan insurance, it was not available when I changed to the Cali in October 2016 we were midway through a multi-car policy and I phone to swap the Touareg to California and was not offered Admiral Campervan as an option just that they could not insure a vehicle with running water onboard.

 

[homerorchid]

Just spoke to 'Safeguard' and they said they are happy to insure as a campervan despite the V5c saying it's an MPV because it's a recognised vehicle "Sense at last" . Thank you for your help everyone

 

[GSX1300R]

Never heard of Admiral Campervan insurance, it was not available when I changed to the Cali in October 2016 we were midway through a multi-car policy and I phone to swap the Touareg to California and was not offered Admiral Campervan as an option just that they could not insure a vehicle with running water onboard.

Mr Google says Yes....Admiral Campervan insurance.....

 

[Loz]

Mr Google says Yes....Admiral Campervan insurance.....

However, try and get a quote!

 

[GSX1300R]

That’s funny I didn’t have a problem... It’s part of a multi car insurance...