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Van theft - a cautionary tale

T

testpilottimmy

VIP Member
Messages
90
Location
Guildford
Vehicle
T6.1 Ocean 199
I've looked at a few and Comfort are proving the best cover wise so far, offering new van replacement for 3 years and 3k contents. They have quoted me £800 though despite having a perfectly clean driving history and no claims. Admiral are the cheapest quoting £450 but it's not specialist campervan cover I don't think. I think I'm going to have to go for the Comfort one given this recent theft..
If you want the cover of a new vehicle, take out gap insurance, i would expect it will cost less the yearly difference between Admiral and Comfort.
 
SusiBus

SusiBus

2-pedal power Peppa Pig trike
Lifetime VIP Member
Messages
1,075
Location
Watford,Herts
Vehicle
Looking to buy
I've looked at a few and Comfort are proving the best cover wise so far, offering new van replacement for 3 years and 3k contents. They have quoted me £800 though despite having a perfectly clean driving history and no claims. Admiral are the cheapest quoting £450 but it's not specialist campervan cover I don't think. I think I'm going to have to go for the Comfort one given this recent theft..
Is Cheshire a theft hotspot?
We live in Watford, clean licence, no claims, used Comfort since 2012. Last premium was less than £400
 
66tim99

66tim99

Lifetime VIP Member
Messages
774
Location
London
Vehicle
T6.1 Ocean 150
Given the very low cost of insurance for a high value vehicle, my assumption would be that theft isn’t seen as a massive problem by the insurance companies. Ive had a vehicle stolen in the past and have to say that from that experience, once it’s gone I really don’t want it back. Pay me the money and I’ll get a new one. I haven’t been asked to fit a tracker, and won’t unless it becomes a requirement. Common sense security of course, good visible deterents where possible, and good insurance; but I’m not going to argue with a couple of guys with a crowbar or worse if they want the van, so a Ghost without advertising the fact it’s fitted, isn’t for me either.
What visible deterrents do you use?
 
L

Ladymuck

VIP Member
Messages
345
Location
Cheshire
Vehicle
Looking to buy
Is Cheshire a theft hotspot?
We live in Watford, clean licence, no claims, used Comfort since 2012. Last premium was less than £400
I don't know the stats but I'm assuming it must be ! It is a very affluent area and it's not uncommon to hear of vehicles being stolen locally, another friend had a trailer stolen last year from their driveway full of tools, it had a wheel clamp but it was just loaded straight onto a low loader (we think) Shed break ins are very frequent too, it's land rover defender country and a lot of them get nicked too...
 
Defender90

Defender90

VIP Member
Messages
93
Location
North Yorkshire
Vehicle
T6.1 Ocean 199 4Motion
I don't know the stats but I'm assuming it must be ! It is a very affluent area and it's not uncommon to hear of vehicles being stolen locally, another friend had a trailer stolen last year from their driveway full of tools, it had a wheel clamp but it was just loaded straight onto a low loader (we think) Shed break ins are very frequent too, it's land rover defender country and a lot of them get nicked too...
It’s sad really such a shame people can’t work hard and enjoy the fruits of their labour without worrying about thieves ,that’s the world we live in now unfortunately.
 
Eber123

Eber123

VIP Member
Messages
685
Location
Kilcock, Kildare, Ireland
Vehicle
T6 Ocean 150
It’s sad really such a shame people can’t work hard and enjoy the fruits of their labour without worrying about thieves ,that’s the world we live in now unfortunately.

I agree. I never understood that some people believe it is ok to break into a house, car or whatever and take away something for what others have worked hard and saved money for a long time.

But it might be in human's nature to do this. It seems that stealing already happened maybe since the Neanderthaler.
 
S

subthree

VIP Member
Messages
794
Location
England
Vehicle
T6.1 Ocean 150
I don't know the stats but I'm assuming it must be ! It is a very affluent area and it's not uncommon to hear of vehicles being stolen locally, another friend had a trailer stolen last year from their driveway full of tools, it had a wheel clamp but it was just loaded straight onto a low loader (we think) Shed break ins are very frequent too, it's land rover defender country and a lot of them get nicked too...
We are with Comfort as well. Brand new 6.1 Ocean insured last year was less than £250. We are in Hertfordshire just north of the M25. I actually queried the premium as under £250 for a £60k+ vehicle seemed wrong to me!
 
66tim99

66tim99

Lifetime VIP Member
Messages
774
Location
London
Vehicle
T6.1 Ocean 150
We are with Comfort as well. Brand new 6.1 Ocean insured last year was less than £250. We are in Hertfordshire just north of the M25. I actually queried the premium as under £250 for a £60k+ vehicle seemed wrong to me!
How many years no claims. I have none and quoted £650... which didn’t seem too bad in a locked garage in London...
 
L

Ladymuck

VIP Member
Messages
345
Location
Cheshire
Vehicle
Looking to buy
How many years no claims. I have none and quoted £650... which didn’t seem too bad in a locked garage in London...
Actually my quote doesn't have any no claims against it as it's on my other car, surely must be bumping up the price..
 
Max Wild

Max Wild

VIP Member
Messages
49
Location
West Sussex
Vehicle
T6.1 Ocean 150
You may want to ask about NCB mirroring, Admiral do it if it's your first policy with them.

Comfort, as I understand it, give no discount based on NCB. They told me they will maintain my existing NCB if I provide evidence so that I don’t lose it if I move on from them, but it doesn’t make any difference to them.

For reference we’ve just been quoted £376. I have 3 points from 3 years ago, and 1 claim from a year ago.
 
S

subthree

VIP Member
Messages
794
Location
England
Vehicle
T6.1 Ocean 150
How many years no claims. I have none and quoted £650... which didn’t seem too bad in a locked garage in London...
This was a new policy with Comfort as I did not sell my car when we got the van. So effectively I had zero no claims allowance when I took the policy. However I think they matched my NCD from my car. No points, one no fault accident 6 years ago. 48 years old, van on driveway.
 
J

Juste

VIP Member
Messages
8
Location
Cheshire
Vehicle
T6 Ocean 150
I’m in rural Cheshire and got insurance from comfort for +£250 in Sept 2020. Full no claims on our other vehicles and they transferred that to the Cali policy. £800 does seem a little steep.
 
L

Ladymuck

VIP Member
Messages
345
Location
Cheshire
Vehicle
Looking to buy
I’m in rural Cheshire and got insurance from comfort for +£250 in Sept 2020. Full no claims on our other vehicles and they transferred that to the Cali policy. £800 does seem a little steep.
That's interesting, I'm really baffled then, I wonder what it is, feels very unfair..
 
J

Juste

VIP Member
Messages
8
Location
Cheshire
Vehicle
T6 Ocean 150
That's interesting, I'm really baffled then, I wonder what it is, feels very unfair..
It may be worth giving them a call again, can I ask what church car park it was found in ?
 
Elmo3

Elmo3

VIP Member
Messages
586
Location
Wales
Vehicle
T5 Beach
Insurance isn’t fair or unfair, it’s simply based on factual data points to derive a risk based premium.
 
66tim99

66tim99

Lifetime VIP Member
Messages
774
Location
London
Vehicle
T6.1 Ocean 150
That's interesting, I'm really baffled then, I wonder what it is, feels very unfair..
Driver age, mileage, and postcode are the 3 main considerations when setting premiums i understand

That's interesting, I'm really baffled then, I wonder what it is, feels very unfair..
Driver age, mileage, and postcode are the 3 main considerations when setting premiums i understand.
Be worth getting quotes from LV, AIB, Caravan Guard and Caravan Club...
 
V

Vagophile

Lifetime VIP Member
Messages
697
Location
Market Deeping
Vehicle
T5 SE 180
Comfort, as I understand it, give no discount based on NCB. They told me they will maintain my existing NCB if I provide evidence so that I don’t lose it if I move on from them, but it doesn’t make any difference to them.
I used to be insured with Comfort. They offer a net premium policy that does not take account of "no claims" discount, but they will provide a record of claim free years in the event of switching away from them.
I left because, while they provided one of the best policies on the market, it became progressively and disproportionately more expensive each year, despite my no claims record.
 
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