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Insurance via the Caravan and Motorhome Club?

Borris

Borris

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T6 Beach 150
Have you tried Safeguard? Our premium is around £370-ish. Brand new vehicle for the first two years if written off/stolen and not recovered, no issues with being an MPV. Policy document states that it is caravan/motorhome cover. Dealer fitted extras (eg bike rack) are covered. I don't know if there is a mileage limit but worth a chat with them?
Thanks, I will give them a try in the morning.
My other problem has been that ever since we picked up our van last Thursday, we have had family staying. So the van hasn't turned a wheel since and I haven't had the chance to go near it. Finding the time to arrange the insurance whilst small people systematically trash our home has been a challenge. Where ever I hide the grand children always seem to find me! Still they are returning home tonight so I might be in with a chance tomorrow.
 
Wild Bob

Wild Bob

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118
Location
Bolton
Vehicle
T6 Ocean 150
I have just spent a ridiculous number of hours on the telephone trying to arrange appropriate insurance for our new 2019 Beach. What a depressing long winded process that has left me feeling that I've just been mugged.

Until August this year I was the proud owner of a 2016 Beach which I then sold and factory ordered a new Beach. I collected that new vehicle last Thursday by taking advantage of VW's complimentary five day insurance scheme available to owners of brand new commercial vehicles, thus giving me time to arrange proper cover. So yesterday and today I have been trying to secure the same level of insurance that I have enjoyed for the last four years.

For those last four years I have been insured through the Caravan and Motorhome Club (Devitt Insurance). The policy that they arranged included such features as an identical new replacement vehicle for the first two years if the policy holders vehicle is stolen and not recovered etc etc. Also included was £5000 cover for contents. Anyway, long story short, I was very happy with this policy and tried to take out the same policy on my new van. Alas, first they raised the MPV issue and said they couldn't insure it. When I reminded them that they had had no problems with taking my money to insure both our last, identical Beach and the SE before that, they then referred the matter to the underwriters. The result was a request for photos to confirm that the new Beach is indeed a Beach. Having provided said photos they said that yes, they were prepared to insure my new vehicle. The premium? £711.08. Last years premium was £389 hence the feeling of being mugged.

I asked, why the massive price hike? I have no convictions in the past or pending, have had no accidents and have the full 9 years NCB. They said it is because the last Beach had a new list price (incl options) and before discount, of £52k as opposed to this one at £65k. Also they didn't recognise the Back2You Guardian tracker and poo pooed the Auto Watch Ghost immobiliser but did mention that a tracker would only have a minimal effect on the premium.

If that is how they treat a loyal customer then I will go elsewhere. Anyone else had a similar experience?

Subsequently, I tried four other insurance providers:

1. Caravan Guard - £452.50. They offered a similar level of cover to the C and MH club. It looked a good deal until they told me that they wouldn't cover the vehicle if it was parked in the official secure long stay parking at Gatwick airport. Also, I was only allowed to do 11000 miles a year. I may not do that many but don't want this kind of restriction. They also required a wired in tracker with annual subscription! Result: Unsuitable.

2. Comfort - £386.59 - Not a bad policy but 10,000 miles per year max so also unsuitable.

3. LV - £238.81- basic cover at a very basic price. 12000 miles per year max. However I'm reluctant to use LV again after a massive price hike in a car policy a couple of years ago. Also, **@ £238.81, it looks to good to be true!!!

4. VW - £482.72 - similar to LV but no mileage limit, they couldn't care less where I leave it but there is no contents cover. They did guarantee to always use VW repair centres and genuine VW parts for any accident damage and their quote is good for three years.

So as I needed to get insurance by midnight tonight, who did I go with, LV or VW? Answer: VW ...... Not because their cover is any better but purely because by the time I had spoken to them I had lost the will to live and just wanted it sorted.

So the result is I have not ended up with the cover that I really wanted or at a sensible price. Anyone else had the same dismal experience?
I had similar problems, it was if Know body had Ever heard of a California Ocean. I went with VW cost about £450
 
Borris

Borris

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T6 Beach 150
Borris you wrote on my thread the below do you still feel the same way?

I've just read this entire thread and now wish I hadn't bothered.

It 's left me with the following thoughts:
1. Why not find an insurance company that will insure the whole vehicle and then get on with life?
2. What's written on the V5 will not effect resale values.
3. Unless I've missed it, where is the evidence that MY19 Beaches are being classed as motor caravans on the V5?

I'm sorry that a lot of owners feel very strongly about this issue but in the end does it really matter?
Yes. My comments stand.

Your thread was about bringing pressure to bear on the DVLA to change the California's V5 - Body Type back.

I'm not interested in how the DVLA wants to classify the California's body type. As long as I can continue to use it in the manner that I have always done, they can call it a Flying Saucer for all I care.

Any issues thrown up by insurance companies are usually to suit their own purposes i.e £££. If there are any issues, then I suspect they may try to cite a change of perceived risk involved in owning an MPV as the reason. If they do then that would be codswallop. Anyone like me, who has owned a pre MPV Cali and now owns a MY19 MPV California will not have changed the way they use it just because the DVLA have changed the body type classification. Of course, there may be other reasons but none have come to light so far.

It is also worth noting that of the five insurance providers that I contacted only the Caravan and Motorhome Club's broker (Devitt) said they wouldn't insure an MPV........and even they caved in when challenged. The rest didn't mention the MPV thing at all. All offered cover of some degree or other.

My thread was intended to show two things:
1. The best way for an insurance provider to treat a loyal customer in order to ensure they go elsewhere and
2. Just how difficult it is to get the right cover at a reasonable cost.
 
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Velma's Dad

Velma's Dad

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Buckinghamshire
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My thread was intended to show two things:
1. The best way for an insurance provider to treat a loyal customer in order to ensure they go elsewhere and
2. Just how difficult it is to get the right cover at a reasonable cost.
I'm sorry to be a grumpy old git but I'm afraid those have both been true for a long time now Borris. Insurance companies know they'll rake in more out of 'loyalty penalties' than they'll lose on a few people realising they've been shafted and switching at renewal time.

I gave up fretting about it and now just accept that I have to renegotiate or switch on every single one of my insurance policies every single year, or I will get stiffed.

One thing I've learnt is never ever EVER be on an automatic renewal, always insist the policy lapses unless you actively renew.
 
Borris

Borris

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I'm sorry to be a grumpy old git but I'm afraid those have both been true for a long time now Borris. Insurance companies know they'll rake in more out of 'loyalty penalties' than they'll lose on a few people realising they've been shafted and switching at renewal time.

I gave up fretting about it and now just accept that I have to renegotiate or switch on every single one of my insurance policies every single year, or I will get stiffed.

One thing I've learnt is never ever EVER be on an automatic renewal, always insist the policy lapses unless you actively renew.
Absolutely. I know this and do the same with other policies. However this company have been pretty good up until now. My premiums have been reduced slightly year on year and the cover was very good.
 
Breeze1

Breeze1

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Dorset
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Cali now sold
Yes. My comments stand.

Your thread was about bringing pressure to bear on the DVLA to change the California's V5 - Body Type back.

I'm not interested in how the DVLA wants to classify the California's body type. As long as I can continue to use it in the manner that I have always done, they can call it a Flying Saucer for all I care.

Any issues thrown up by insurance companies are usually to suit their own purposes i.e £££. If there are any issues, then I suspect they may try to cite a change of perceived risk involved in owning an MPV as the reason. If they do then that would be codswallop. Anyone like me, who has owned a pre MPV Cali and now owns a MY19 MPV California will not have changed the way they use it just because the DVLA have changed the body type classification. Of course, there may be other reasons but none have come to light so far.

It is also worth noting that of the five insurance providers that I contacted only the Caravan and Motorhome Club's broker (Devitt) said they wouldn't insure an MPV........and even they caved in when challenged. The rest didn't mention the MPV thing at all. All offered cover of some degree or other.

My thread was intended to show two things:
1. The best way for an insurance provider to treat a loyal customer in order to ensure they go elsewhere and
2. Just how difficult it is to get the right cover at a reasonable cost.
My thread was partly insurance like you due to the change in classification on my Cali and like you 5 long calls later I eventually found suitable insurance so now you now appreciate the stressful situation we have been put in due to reclassification.

Maybe you may not now be so dismissive as you were in you original comments.
 
Borris

Borris

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My thread was partly insurance like you due to the change in classification on my Cali and like you 5 long calls later I eventually found suitable insurance so now you now appreciate the stressful situation we have been put in due to reclassification.

Maybe you may not now be so dismissive as you were in you original comments.
You may well be upset about my "dismissive" comments on your thread but as I have already said, those comments stand. Just to remind you, they were:

"It 's left me with the following thoughts:
1. Why not find an insurance company that will insure the whole vehicle and then get on with life?
2. What's written on the V5 will not effect resale values.
3. Unless I've missed it, where is the evidence that MY19 Beaches are being classed as motor caravans on the V5?"

Point one - I have had no problems obtaining quotes from all but one of the five insurance companies that I have spoken to so far. The exception quickly conceded that I was right and offered the cover that I requested. So contrary to your above statement, reclassification doesn't appear to be the significant issue that you say it is. I do however concede that you may have had a different experience. I'm certainly not aware of any owners with uninsurable Calis sitting on the driveways!

Points Two and Three - aren't relevant to this thread but never the less, they still stand.

May I suggest that phoning around for a quote is never stress free and my point about my original insurer nearly doubling my premium seems to be fairly standard practice. LV did that to us a couple of years ago on my wife's car and that hadn't had it's body type changed or anything else for that matter.

Maybe you may now realise that reclassification is merely a Red Herring.
 
A

andrew bazeley

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I think you're in the wrong club! I'm in the Camping and Caravanning Club, and when I bought my Cali 11 years ago, I insured it through their Clubcare Insurance scheme. It was about £250. By this year it had slowly risen to the dizzy heights of £320! I make that around 2.5% a year!
 
WelshGas

WelshGas

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Cowbridge
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T5 SE 180 4Motion
I think you're in the wrong club! I'm in the Camping and Caravanning Club, and when I bought my Cali 11 years ago, I insured it through their Clubcare Insurance scheme. It was about £250. By this year it had slowly risen to the dizzy heights of £320! I make that around 2.5% a year!
I’m not sure what bearing your statement has on question .
11 years ago the California was cheaper and it’s value has been dropping year on year since, yet your Insurance premiums have increased. So you are now paying more for a cheaper vehicle.
More significant would be cost of insuring a New California with Clubcare. It certainly wouldn’t be £250.
 
Borris

Borris

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T6 Beach 150
Hmm, I'm also in the CCC although I haven't tried Clubcare.

Actually I was quite happy with my previous policy until they got greedy. They even had the bare faced cheek to suggest I call them next year as they may be able to offer me a better rate as a new customer. After they'd let the cat out of the bag I advised them not to bank on that. Mind you this is a fairly common practice.

Anyway, I've spent enough time sorting out insurance for this year but I may try Clubcare when renewal is due.
 
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Borris

Borris

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T6 Beach 150
would not insure our van without adding a traker
I must confess that I've always been in two minds about the worth of a tracker. Would I want it back if it got nicked? Anyway I felt that I had to do something so both of our previous Calis have had Vodaphone trackers. They cost a lot to fit and have annual subs of over £140!

This time, after consulting this excellent forum, I've adopted a belt and braces approach. I've gone for a Back2You Guardian wire less GPS Tracker and an Auto Ghost immobiliser. Excellent you would think except that the insurance companies I contacted either weren't bothered or didn't recognise either devise and demanded a wired in tracker with annual subs. Nothing like consistency!

Apparently having a tracker only reduces the premium by about 5%!
 
Mr & Mrs B

Mr & Mrs B

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Devon
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T6 Ocean 150
We've insured for the last two years with C&MC and pay just under £400 - a premium we're happy with. But as previously mentioned we never auto renew and I always shop around for new quotes on a 'like for like' basis with my current policy. I couldn't get anything less this year - in fact the C&CC quote was £1,200 for our Ocean!
 

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