CAMC Insurance NCB warning

Disco 3

Welcome to motorhoming. When we changed from a caravan to a motorhome we hit a similar problem with NCB. Because we only ever had one other vehicle the motorhome becomes a second road vehicle (for us)  so we had to start building up NCB from scratch. However what we found with the Club was that they did offer us a discounted rate of insurance similar to having a NCB. The obvious difference was that should we have had a claim in the initial years we would not have had any NCB to call on at the next renewal which would have meant the premium would have gone up. I suspect even if you move away from the Club it will be a similar situation. Through the Club I am not paying massively more than I was for my caravan insurance. Obviously costs depend on type and price of the motorhome you are buying.

Enjoy your motorhoming.

David

It is variable though. No discounted rate from the club and a premium of over £1200, plus still requiring an alarm and tracker to be fitted. We eventually insured with Comfort insurance for less than half that figure including UK and European breakdown, tracker and alarm still required though.

I seem to remember having to prove our NCD for our only car when we insured our motorhome, long time ago now, so can't remember exact details. But we did get a discount on motorhome policy. How much I can't recall but worth while. Not sure of the insurance company, quite possibly the other club. 

Always worth a discussion, but I wouldn't expect to bring a discount from anything other than something motorised.

Glad you've got it sort.

Steve

Maybe I was lucky but I imagine it's more to do with the initial value of the motorhome. Not had a requirement to fit either an alarm or tracker although I have had VanBitz alarms fitted to both motorhomes. I know you have a German made motorhome so perhaps there is  extra costs built in for supply of spares should they be needed. This year when my renewal was due I tried both Comfort and the C&CC. A change I am making this year is to change the wheels from steel to alloys. For this the CMC have a 15% loading and although Comfort accept it without loading their price was very similar to the CMC so I carried on with the Club. The C&CC quote was silly money and that was before I mentioned alloy wheels!!!

David