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LV £202 quote - sanity check

G

ger

Messages
24
My 2016 Beach has always been cheap to insure, but renewal almost up, and just had a quote from LV for £202 (which _includes_ protected NCD + legal cover) - which is a lot cheaper than the existing CAMC policy (which was pretty good in the first place!).
Anyone any experience of LV? Any gotchas I should watch out for on their cover....?!
I usually read the whole policy just for the sake of it anyway, but this seems good. I've a feeling I may find a "excludes campers" or "doesn't include roof" clause in there somewhere!

Thanks!
 
Legin

Legin

Messages
768
Location
Chester
Vehicle
T6 Ocean 199 4 motion
Go for it. All my cars with them and claimed twice in 20 yrs - better than most.
 
GP

GP

VIP Member
Messages
35
Location
Bath
Vehicle
T6.1 Ocean 199
We have just put our new 6.1 insurance with LV and it was also in the low 200s. I was amazed and they also confirmed all cover and deductibles were for a campervan with normal campervan content cover etc.
 
Elmo3

Elmo3

VIP Member
Messages
555
Location
Wales
Vehicle
T5 Beach
Check the policy very, very carefully.
 
Californication69

Californication69

Buzz Lightyear
VIP Member
Messages
148
Location
UK
Vehicle
T6.1 Ocean 199
I’ve used LV to insure the 6.1 Ocean. Business miles as well as protected NCD, guaranteed loan car, legal. £268. Usually go between LV, Churchill, Admiral, Halifax. Must be the postcode.
 
WelshGas

WelshGas

Retired after 42 yrs and enjoying Life.
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17,151
Location
Vale of Glamorgan
Vehicle
T5 SE 180 4Motion
My 2016 Beach has always been cheap to insure, but renewal almost up, and just had a quote from LV for £202 (which _includes_ protected NCD + legal cover) - which is a lot cheaper than the existing CAMC policy (which was pretty good in the first place!).
Anyone any experience of LV? Any gotchas I should watch out for on their cover....?!
I usually read the whole policy just for the sake of it anyway, but this seems good. I've a feeling I may find a "excludes campers" or "doesn't include roof" clause in there somewhere!

Thanks!
The fact that you have asked the question means you should carefully read the Policy Details. I'm sure you are covered for Car related accidents etc: but Camping? Damage to roof, awning other camping equipment?
 
GP

GP

VIP Member
Messages
35
Location
Bath
Vehicle
T6.1 Ocean 199
The fact that you have asked the question means you should carefully read the Policy Details. I'm sure you are covered for Car related accidents etc: but Camping? Damage to roof, awning other camping equipment?
Thank you good point, yes I did specifically ask those questions and they confirmed that those items are covered since it is a campervan policy.
 
Elmo3

Elmo3

VIP Member
Messages
555
Location
Wales
Vehicle
T5 Beach
Get it in writing. I went through this in detail last year (Ocean). They couldn’t confirm that everything was covered in terms of internal fixtures and fittings (i.e. kitchen etc) despite being a factory built Cali. The letter they sent me confirmed this. Went with Comfort instead.
 
Nick Stubbs

Nick Stubbs

The Rodent.
VIP Member
Messages
367
Location
Derbyshire
Vehicle
T6 Ocean 204 4Motion
I'm with LV, CAMC couldnt beat it and CAMC only cover SDP not commuting and as the van is my daily drive no good for me.
 
T

tedgina

VIP Member
Messages
37
Location
mottram in longdendale
Vehicle
T6 Ocean 150
My 2016 Beach has always been cheap to insure, but renewal almost up, and just had a quote from LV for £202 (which _includes_ protected NCD + legal cover) - which is a lot cheaper than the existing CAMC policy (which was pretty good in the first place!).
Anyone any experience of LV? Any gotchas I should watch out for on their cover....?!
I usually read the whole policy just for the sake of it anyway, but this seems good. I've a feeling I may find a "excludes campers" or "doesn't include roof" clause in there somewhere!

Thanks!
you would like to think when you put your van reg no LV will have on their data base and know what a vw california is just like if it was a Aston martin will be on their data sheets and quote for the risks involved?
 
W

Wondering Star

Messages
186
Location
Cambridgeshire
Vehicle
T6 Beach 150
When we had our Beach and added a slidepod unit (cooking facilities and gas) we paid a small premium of £25 to LV to have the Beach classed as a 'Volkswagen campervan' which then included habitation cover.
If I remember correctly premium was around £250.
Have used LV for years and made two claims in that period, in both cases LV were excellent.
 
wilburthewombat

wilburthewombat

Messages
166
Location
Windsor
Vehicle
T6.1 Ocean 199 4Motion
you would like to think when you put your van reg no LV will have on their data base and know what a vw california is just like if it was a Aston martin will be on their data sheets and quote for the risks involved?
Exactly - it should come up as a 'VW California Coast' or whatever. As long as you do not change the factory/dealer fitted options (as at time of delivery), it should all be covered.
 
WelshGas

WelshGas

Retired after 42 yrs and enjoying Life.
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17,151
Location
Vale of Glamorgan
Vehicle
T5 SE 180 4Motion
Exactly - it should come up as a 'VW California Coast' or whatever. As long as you do not change the factory/dealer fitted options (as at time of delivery), it should all be covered.
The question to ask is not "Is everything covered in the event of a vehicle accident?" but "Is everything covered in the event of a Camping accident?".
You're cooking and there is a kitchen fire that destroys the vehicle, Am I covered by this policy?
 
Loz

Loz

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4,957
Location
Berkeley Gloucestershire
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T6 Ocean 204 4Motion
How is that different from, "Hello, I dropped my splif and it set fire to the open vodka bottle on the floor of my car and it caught fire"? :)
 
Last edited:
WelshGas

WelshGas

Retired after 42 yrs and enjoying Life.
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Messages
17,151
Location
Vale of Glamorgan
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T5 SE 180 4Motion
How is that different from, "Hello, I dropped my splif and it set fire to the open vodka bottle on the floor of my car and it caught fire"?
Ask the Insurance Company. You might be surprised by the answer.
 

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