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LV £202 quote - sanity check

WelshGas

WelshGas

Retired after 42 yrs and enjoying Life.
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17,151
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Vale of Glamorgan
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T5 SE 180 4Motion
If it's being used for the intended purpose then it would be hard to refuse.
All I can say is check with them. I had a Land Rover Defender, built for off-road use, a cheaper policy in the small print specifically excluded such use. The Insurance companies wish to minimise their risk exposure to quote a cheap rate and get your business. For the vast number of vehicles this may be acceptable but for specialist vehicles you have to be careful that the cover is appropriate to your intended use.
Eg: The Comfort Insurance 48hr rule. It minimises their risk but does it suit you?
 
J

Jenny H

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261
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Essex
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Looking to buy
All I can say is check with them. I had a Land Rover Defender, built for off-road use, a cheaper policy in the small print specifically excluded such use. The Insurance companies wish to minimise their risk exposure to quote a cheap rate and get your business. For the vast number of vehicles this may be acceptable but for specialist vehicles you have to be careful that the cover is appropriate to your intended use.
Eg: The Comfort Insurance 48hr rule. It minimises their risk but does it suit you?
What is the Comfort Insurance 48hr rule ? please
 
WelshGas

WelshGas

Retired after 42 yrs and enjoying Life.
Top Poster
Lifetime VIP Member
Messages
17,151
Location
Vale of Glamorgan
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T5 SE 180 4Motion
What is the Comfort Insurance 48hr rule ? please
If you park your vehicle for 48hrs or more and are not present with the vehicle you have to phone to get permission and depending on where you are parking an additional premium may be required.
eg: You drive to the airport and fly away for a 4 day city break. You have to phone Comfort to get permission to park up for 4 days, which may or may not require an additional premium payed by card over the phone.
 
Elmo3

Elmo3

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Messages
555
Location
Wales
Vehicle
T5 Beach
Ask the Insurance Company. You might be surprised by the answer.
Exactly. I had 2 cars insured with LV at the time and used them for years, so it made sense to call them about the Ocean. I smelt a rat when asking a couple of specific questions about the habitation equipment etc. Ended up with the head underwriter who confirmed their position in writing. Didn‘t go with them as a result.
 
wilburthewombat

wilburthewombat

Messages
166
Location
Windsor
Vehicle
T6.1 Ocean 199 4Motion
So what is the problem with using LV, exactly? And what is the benefit of using Comfort or another specialised broker? Surely if I buy a campervan, and it is insured as a campervan, then I should be insured if I use it as a campervan. Now I'm not really that naive, and I know that insurance companies will try to weasel out of claims, but what exactly will LV not cover? Fire damage due to leaving the burner on by accident. for example? I can't see anything in the Comfort policy documents to explicitly say that they *will* cover things like this, but then my brain turns to mush before I get half way through reading them. This is important for me, because in the next few days I will need to insure my new Ocean, and it would make sense to insure it with my other two cars which are with LV.
 
Tracey2540

Tracey2540

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Messages
64
Location
Leicestershire
Vehicle
T6.1 Ocean 199
So what is the problem with using LV, exactly? And what is the benefit of using Comfort or another specialised broker? Surely if I buy a campervan, and it is insured as a campervan, then I should be insured if I use it as a campervan. Now I'm not really that naive, and I know that insurance companies will try to weasel out of claims, but what exactly will LV not cover? Fire damage due to leaving the burner on by accident. for example? I can't see anything in the Comfort policy documents to explicitly say that they *will* cover things like this, but then my brain turns to mush before I get half way through reading them. This is important for me, because in the next few days I will need to insure my new Ocean, and it would make sense to insure it with my other two cars which are with LV.
We are in exactly the same boat, so any advice would be great :headbang
 
Wogga

Wogga

VIP Member
Messages
391
Location
Lancashire
Vehicle
T6.1 Ocean 150
Insured my car with LV for years, but use Comfort for the leisure vehicles, habitation kit unto £5k is covered as well as new for old cover for 3 years, saves buying GAP. Comfort quote £262 for under £6k mile pa.
 
wilburthewombat

wilburthewombat

Messages
166
Location
Windsor
Vehicle
T6.1 Ocean 199 4Motion
GAP is the 'new for old', right? I've never used it for cars before, but I've never spent 70k on a car before. Sounds like the 5k habitation kit is important. Maybe.
 
WelshGas

WelshGas

Retired after 42 yrs and enjoying Life.
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Lifetime VIP Member
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17,151
Location
Vale of Glamorgan
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T5 SE 180 4Motion
GAP is the 'new for old', right? I've never used it for cars before, but I've never spent 70k on a car before. Sounds like the 5k habitation kit is important. Maybe.
You’d be surprised how much the kit can add upto, especially some of the named makes.
eg: Brandrup Carpets, mattress toppers, thermal screens, drive away awning etc:.
 
Karen Harding

Karen Harding

Kaz & Dave
Messages
17
Location
Warwickshire
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!
mine is double that on a 2008. All the quotes were coming out the same
 
john eagle

john eagle

Eaglehead
VIP Member
Messages
181
Location
Runcorn England
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!
LV are very good. My wife has been with them for years. MHCC wanted over £500 to renew my 2017 Ocean which is what I paid them last year. After spending time on various comparison sites I called LV and because my wife is with them I got a multi vehicle discount and paid £260 which includes Europe, no claims protection and a bunch of other things. I would say go with LV. It also includes all the built in internals such a fridge etc.
 
T

tedgina

VIP Member
Messages
37
Location
mottram in longdendale
Vehicle
T6 Ocean 150
LV are very good. My wife has been with them for years. MHCC wanted over £500 to renew my 2017 Ocean which is what I paid them last year. After spending time on various comparison sites I called LV and because my wife is with them I got a multi vehicle discount and paid £260 which includes Europe, no claims protection and a bunch of other things. I would say go with LV. It also includes all the built in internals such a fridge etc.
i was quoted over £700 from comfort but LV is less than half i asked questions and came back all good after all insurance cover is only good if they pay out when a claim is need from what i see on the forum they LV are quite good
 
G

Graeme Ferguson

Messages
4
Location
Perth Scotland
Vehicle
T5 SE 140
We have a family policy with them that includes our Cali. LV took over what was previously the Nationwide BS policies and I have assumed that it was them that were the underwriters but just badges as Nationwqide
 
M

mojo doug

Messages
3
Location
bristol
Vehicle
T5 Cali on order
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!
Im with LV too
 
P

PeteS

Messages
67
Location
Bristol
Vehicle
N/A
I am with LV and have had two claims. The first was a lorry knocked my wing mirror off. Not my fault and the second was my wife hit a car which was her fault. I was very impressed how they dealt with the claims. I even renewed my insurance with them this year.
My policy is on my VW Caravelle so not a California
 
B

Bazabailey

VIP Member
Messages
16
Location
Winchester
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!
They were fine with us and we made and claim and it was handled very well
 

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