How Much Insurance ?

bill replied on 14/03/2023 10:34

Posted on 14/03/2023 10:34

Had CAMC insurance for my caravans for over 35 years with no problems at all. Last year I bought my first campervan and again insured through CAMC but was offered no 'no claims' bonus at all. I have just got my renewal and the cost has rocketed ! The renewal notice quoted what I paid last year and it was completely wrong and the 'no claims' discount was zero. Surely I am entitled to 1 years NCD ? Phoned CAMC who were no help at all and will try at get back to me tomorrow. Broker was Devitt Insurance who placed it with AXA.  Second year renewal quote was £778.17.


Any recommendations for reliable insurers ?

Takethedogalong replied on 14/03/2023 11:10

Posted on 14/03/2023 11:10

We steered well clear of CAMC after getting some misinformation first year. We have never used for our MH.

Try Peter Best Insurance, they are a well known classic car specialist, but cover other things as well. Ask about limited mileage, which you can tweak if you need to at a later date. Good luck, shop around, scandalous what some want to charge.

eurortraveller replied on 14/03/2023 11:15

Posted on 14/03/2023 11:15

Bill,  Sit down with a coffee and get quotes though the usual comparison sites - GoCompare, Compare the Market, and so on. 

replied on 14/03/2023 11:31

Posted on 14/03/2023 11:31

The user and all related content has been Deleted User

Tinwheeler replied on 14/03/2023 11:39

Posted on 14/03/2023 11:39

+1 for NFU. Good service, a local office, NCD allowed + a mutual bonus, includes breakdown cover for sub 5.5m MHs, faultless handling when I made a claim and no hike in premium afterwards.

peedee replied on 14/03/2023 12:15

Posted on 14/03/2023 12:15

Another vote for NFU although I haven't used them for about 4 years. They were my first choice for insurance, I only left them because they did not offer any cover for Croatia. That may have changed now that Croatia are full EU members. When I left the NFU I switched to a specialist Motorhome insurer Comfort. The specialist insurers are usually the best on price and cover.

peedee

eribaMotters replied on 14/03/2023 14:16

Posted on 14/03/2023 14:16

You should not be eligible for the same level of NCD on a second driven vehicle, but you should get a years worth now. Some providers may offer an introductory discount.

It may be better for you to insure the motor home as your primary vehicle as the premium is far higher than on your car. You could also go for a multi vehicle policy.

I know Adrian Flux are worth contacting for motor vehicles. For caravans and I believe motorhomes it is worth trying:-

Cover 4 Caravans, Lifesure, Ripe, SAGA and Grove& Dean

 

Colin

 

replied on 14/03/2023 16:21

Posted on 14/03/2023 14:16 by eribaMotters

You should not be eligible for the same level of NCD on a second driven vehicle, but you should get a years worth now. Some providers may offer an introductory discount.

It may be better for you to insure the motor home as your primary vehicle as the premium is far higher than on your car. You could also go for a multi vehicle policy.

I know Adrian Flux are worth contacting for motor vehicles. For caravans and I believe motorhomes it is worth trying:-

Cover 4 Caravans, Lifesure, Ripe, SAGA and Grove& Dean

 

Colin

 

Posted on 14/03/2023 16:21

The user and all related content has been Deleted User

DavidKlyne replied on 14/03/2023 16:58

Posted on 14/03/2023 16:58

When we first purchased a motorhome back in 2013 I encountered a similar problem as we had only ever owned one vehicle so I had to start again with the motorhome. However, at the time, I was offered, by the Club, a complementary NC bonus for, I think five years? The only issue was that I couldn't protect that NC bonus until I had earnt enough in my own right. I think in the following years the Club might have changed insurance providers so perhaps no longer on offer?

David

brue replied on 14/03/2023 17:11

Posted on 14/03/2023 17:11

OP, I don't know your personal circumstances, type of motorhome etc but we have insured with CAMC for years and the costs have always been very reasonable. I would guess much depends on you and your outfit? Maybe when the club gets back to you tomorrow the picture will be clearer.

SteveL replied on 15/03/2023 09:47

Posted on 15/03/2023 09:47

When we switched to a MH in 2019 I didn’t get rid of my tow car and therefore wasn’t eligible for any NCB. The CAMC quoted me circa £1200, they clearly didn’t want to insure me, as there is no way that was representative of the market at the time. Finally went with comfort insurance at less than half that.

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