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LV £202 quote - sanity check

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Craig Morrison

Lifetime VIP Member
Messages
37
Location
Aberdeenshire
Vehicle
T6 Ocean 204
I
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, I had accident and had to claim. Very easy process but if wanted to put to a different repair centre than they wanted would have cost extra £200 on top of excess. In hindsight it would have been money well spent as their repair centre of choice has been an absolute shambles.
 
ian210

ian210

VIP Member
Messages
32
Location
Leicester
Vehicle
T5 SE 140
I have used the Cali policy and the Camping Club insurer (Adrian Flux Motorhome policy). Both are around £295 (2013 SE) for 8K miles pa. Points to check are:- Fully comp or 3rd party only cover in EU, no cover to drive other vehicles, UK and EU breakdown included. I need to be garaged overnight and carry a dashcam and fire extinguisher.
 
BikerGran

BikerGran

Growing old disgracefully
VIP Member
Messages
908
Location
Dorset
Vehicle
T5 SE 174
Another problem that hasn't been mentioned with non specialist insurance companies is that many of them understand 'campervan' to be a (sometimes) cheap conversion. They simply don't understand that the California is a high quality factory built vehicle.
That's been my experience anyway. I'm with Safeguard, have been for four years. When I've checked with other specialist companies at renewal time the premiums have been roughly the same.
I'm sure I could get cheaper insurance but cheaper is not necessarily better particularly with a vehicle that costs as much as a California.
 
blondebier

blondebier

VIP Member
Messages
600
Location
Sussex
Vehicle
T6 Beach 150
We're with LV (Home and 3 vehicles) and have just had this courtesy email through.

If you're struggling financially right now, we're here to help​

We know times are tough at the moment, so we want to help you where we can. Green Heart Support is available to our car and motorbike insurance customers who are struggling financially due to coronavirus (COVID-19), and need our support the most.​
Since we started providing help to our customers earlier this year, we've been reviewing our support to make sure that we're reacting to the ever-changing coronavirus (COVID-19) situation to support our most financially vulnerable customers.

We contacted our customers earlier this year to let them know about the support available to those impacted by coronavirus (COVID-19). With England entering a national lockdown and restrictions in place across the rest of the United Kingdom, we wanted to update you on the changes we've made to Green Heart Support refunds.

From November 1, Green Heart Support refunds will be available to customers where they or anyone in their household:
  • Have been furloughed
  • Are self-employed and unable to work or trade as a result of coronavirus COVID-19) or;
  • Have been made unemployed, or have been affected financially due to a reduction in working hours
If you're facing any of these challenges, you may be eligible for support. For more information, please get in touch by clicking the button below. If you've already received a payment, we may still be able to help.​

Good to know that help is there for people that are suffering due to redundancy and furlough.

Hopefully other insurers will offer similar support should people need it.
 
Taff Tenor

Taff Tenor

VIP Member
Messages
103
Location
Macclesfield
Vehicle
T6 Ocean 204
I got an initial LV quote around £270 but by the time extras added (breakdown, legals...etc) I found I wasn’t saving much. So I stayed with Comfort for a gnat’s under £500 with reduced annual mileage given ‘Herman’ our T6 has moss growing on it ! CMC’s quote was very high even though we’re members.
 

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