Insurance

[Wildcamper]

In Jan this year Caravan and Motorhome Club covered my 2018 LWB 150 DSG Highline Hightop conversion for £443. Lower than last year.

 

[Winston Rumfoord]

Balls off Sheila!

 

[WelshGas]

Care to share who has been “caught out in the past” ?

There have been a few cases of cheap quotes from LV and it materialised that the policy was for a car/van not a Campervan/Motorhome . Yes, New for Old if you were involved in a vehicle accident but not for “ Camping “ accidents.
LV do have a Campervan/Motorhome Policy but would seem that sometimes the call handler gets it wrong.

 

[Pegsinho]

Just had another long chat with Admiral about insurance for the new Ocean we're picking up this week. After a LOT of toing and froing about whether it's a van or a car or just what the hell it is I managed to get them to swap my outgoing car for the Cali, and add back the outgoing car temporarily while I shift it, and actually ended up with a small refund on the policy which runs to January (the agent had to get manager/underwriter approval due to the value, so I was expecting quite a large number!).

I have very little faith in what is actually covered however, particularly after reading the above, so I'll be checking the details carefully and will most likely get a specific camper/motorhome policy come renewal, if not before, once I've managed to get a tracker fitted (which they all seem to want except for Admiral). For the time being I at least have what is legally required to drive the vehicle.

It seems the California is in a very odd insurance segment, because it comes up on all their systems as a car, and all the specific camper places are expecting a conversion which of course it isn't. The likes of Adrian Flux wanted in excess of £2k! I can see why there are a lot of questions about insurance, it's a minefield.

 

[Footy69]

Just had another long chat with Admiral about insurance for the new Ocean we're picking up this week. After a LOT of toing and froing about whether it's a van or a car or just what the hell it is I managed to get them to swap my outgoing car for the Cali, and add back the outgoing car temporarily while I shift it, and actually ended up with a small refund on the policy which runs to January (the agent had to get manager/underwriter approval due to the value, so I was expecting quite a large number!).

I have very little faith in what is actually covered however, particularly after reading the above, so I'll be checking the details carefully and will most likely get a specific camper/motorhome policy come renewal, if not before, once I've managed to get a tracker fitted (which they all seem to want except for Admiral). For the time being I at least have what is legally required to drive the vehicle.

It seems the California is in a very odd insurance segment, because it comes up on all their systems as a car, and all the specific camper places are expecting a conversion which of course it isn't. The likes of Adrian Flux wanted in excess of £2k! I can see why there are a lot of questions about insurance, it's a minefield.

Hi ,I use comfort insurance. Been great. Approx £500 per year. Worth a try.

 

[Winston Rumfoord]

A sample of my quotes, and all with the same info provided:
- Comfort £1,100
- Sheila’s wheels £1,460
- C&MC £1,240
- Admiral £770

 

[lohr500]

There have been a few cases of cheap quotes from LV and it materialised that the policy was for a car/van not a Campervan/Motorhome . Yes, New for Old if you were involved in a vehicle accident but not for “ Camping “ accidents.
LV do have a Campervan/Motorhome Policy but would seem that sometimes the call handler gets it wrong.

I saved the chat discussion with LV regarding insuring my Ocean with them on our LV multicar policy :

• I will be changing one of the cars on our multicar policy for a campervan on the 8th March 2024.

Do you cover campervans on the multi car policy?

19:20

We do indeed.

Chat Agent

19:20

• And is the cover campervan specific, including accidental damage or loss to the interior in the event of any major claim? For example if the standard fit gas hob was to cause a fire, would the campervan be covered?

19:21

• That is correct. You will have cover for accessories and other items fitted to the vehicle such as:* Fitted Awnings* Cookers* Fridges* Beds* CupboardsThere is also a cover limit Personal Belongings is increased to £1,000 on Motorcaravans. This will cover for any personal belongings such as:* Bed Linen* Cooking Utensils* Crockery* Cutlery etc.* Clothes

Chat Agent

19:25

• OK thanks.

19:26

• In another scenario, if an external gas BBQ for example was to set the van on fire would the van be covered for loss?

19:27

• We do cover you for fire damage yes.

When the policy documents came through, they refer to the Cali as a VW Motorcaravan and show £1000 cover for personal belongings.

It does seem like a bit of a lottery though with LV.

 

[mease.]

A sample of my quotes, and all with the same info provided:
- Comfort £1,100
- Sheila’s wheels £1,460
- C&MC £1,240
- Admiral £770

Pretty similar experience here...
Admiral £1160
Safeguard £980
VM (via broker) £818
LV £1440

The VM is with S5 tracker installed; the other three without (and no saving to quote if added).
Comfort won't insure me due to occupation (music industry).

Interesting to note that the Safeguard quote wouldn't be valid if adding a ceramic coating, something i was quite keen on but may now be questioning (waiting to hear from VM on whether it affects that quote).

 

[Mase]

I spoke with Comfort this morning and they advised that unless the vehicle is over £75k it won't need a Tracker fitted

 

[secret lemonade drinker]

If you got a tracker and then paid a lifetime subscription how much would you save on insurance? Tracker install is about £500 lifetime subscription is £500 approx also

 

[B J G]

If you got a tracker and then paid a lifetime subscription how much would you save on insurance? Tracker install is about £500 lifetime subscription is £500 approx also

C&MC have this Matrix iQ on Members offer.

Matrix iQ

www.caravanclub.co.uk

 

[Kernowboy]

I spoke with Comfort this morning and they advised that unless the vehicle is over £75k it won't need a Tracker fitted

£75k list price though, not purchase price.

 

[Hawthorn37]

If you got a tracker and then paid a lifetime subscription how much would you save on insurance? Tracker install is about £500 lifetime subscription is £500 approx also

Typically about 10% p.a. So in the region of £50 to £80 p.a. or £250 to £400 over 5 years.

 

[secret lemonade drinker]

Typically about 10% p.a. So in the region of £50 to £80 p.a. or £250 to £400 over 5 years.

So, I should recoup the cost over ten years, that's good, I wont be out of pocket, I intend to keep the camper for a lot longer than that.

 

[Hawthorn37]

We just wanted peace of mind, with the tracker and immobiliser. But like you, we will probably recoup much of the cost as we don’t plan to sell the Cali anytime soon, and you can have the tracker and immobiliser taken out and put into another vehicle anyway, and still retain the lifetime deal (with Scorpion).

 

[Mase]

£75k list price though, not purchase price.

Ah okay, I’ll speak with the dealer to get the list price then.

 

[Mase]

Just an FYI to anyone buying new - Breeze advised me this morning that VW don’t do the 5 day drive away insurance anymore.

 

[Doric_loon]

Just an FYI to anyone buying new - Breeze advised me this morning that VW don’t do the 5 day drive away insurance anymore.

I picked up my new Ocean 24 on Friday from Citygate. They gave me the link for the 5 day insurance and it worked fine. VW also gave me a competitive full year rate

 

[Mase]

I picked up my new Ocean 24 on Friday from Citygate. They gave me the link for the 5 day insurance and it worked fine. VW also gave me a competitive full year rate

Thanks for this info. I’ll go back to Breeze when I’m picking mine up and mention it (should be mid-Sept)