Motorhome Insurance

Just had the renewal from one of the motorhome clubs with a 23% increase over last year.  We're both still working, we have only done about 500 miles last year due to COVID and no claims/no convictions, so very disappointed with this increase - any recommendations?
Thanks

We've been with Comfort since 2015. 
Herewith the stepped increases each year up to October 2020.
£283 25
£294.64
£300.42
£302.90
£316.94
£328.20
What may cause concern is a scribbled note I made 'don't insure anyone over 75. But that may not be true of Comfort of may have been condition related to another company when getting a quote. Of course, your personal circumstances will determine your insurance quote.

Try Caravan Guard,I insured my van last June with them for £289-50.This also included breakdown cover.

I find these have been good over the last few years.
https://advanceinsurance.co.uk/

Thanks all for the replies - I will contact the recommendations and see how alternative quotes compare.

In a previous post 'Recommend a motorhome insurance company', I described an experience with Safeguard.
I would strongly recommend asking any company detailed questions on how they deal with accident claims. I accept that someone in 'Sales' may not know all the answers but it's worth a try.

Caravan Guard - £304 November 2020.....

Hi Everyone
          Is this TOOOO good to be true I have just done an online quote with LV for my 2020 Burstner Lyseo Harmony line M 660 MH and the price is £253.00 They are not interested in the maker just that it is a Mercedes, not interested in the value £80.000 plus other quotes are just over the £400 how come
regards
Alan

Peter Brown wrote:How will they react to a claim for damage to oven, fridge etc caused in an RTA?

Things brings up an interesting point, especially when comparing premiums. 
Do any forum members just use standard vehicle insurance when covering their motorhomes?

Specialist motorhome policies such as we have cover many of the contingencies not relevant to cars, such as gas bottles, installed equipment such as Peter Brown mentions and on ours additional kit such as generators etc. Which justifies some of the additional cost in premiums.

With Comfort since 2015.  Claims: 1 accident [2017] 1 attempted theft [2020].
Insurance Premium 2019: £263. 2020: £277

Hi.
Please feel free to give us a try for insurance if you wish.
Regards,
Dan.

hi Dan,
with your experience in motorhome insurance and reading the above conversations. Could you tell us if possible, what are people getting with the cheaper insurance quotes regarding them based  only on vehicle reg, van make ( Peugeot etc) and no questions asked regarding the conversion (AS etc). They might ask value but that may not indicate conversion model etc.
Is it a simple answer as in , its only the vehicle and not fitted contents covered. Hope this question makes some sense.
There does seem to be a large range of quotes especially on the Internet, where few questions regarding the motorhome type/ conversion are asked.
Does paying more always equal receiving more covered?
Thanks for any feedback.

babian wrote:hi Dan,
with your experience in motorhome insurance and reading the above conversations. Could you tell us if possible, what are people getting with the cheaper insurance quotes regarding them based  only on vehicle reg, van make ( Peugeot etc) and no questions asked regarding the conversion (AS etc). They might ask value but that may not indicate conversion model etc.
Is it a simple answer as in , its only the vehicle and not fitted contents covered. Hope this question makes some sense.
There does seem to be a large range of quotes especially on the Internet, where few questions regarding the motorhome type/ conversion are asked.
Does paying more always equal receiving more covered?
Thanks for any feedback.

Hi there,

Thanks for the question and without looking into those cheaper quotations people may be having it's hard to advise.  As with any specialist vehicle the onus is very much on the proposer / insured to declare exactly what has been done to the vehicle.  Attempting to insure just as a commercial van with a non-specialist will very likely result in the vehicle being uninsured or a claim being refuted.  

If those internet based quotations don't make reference to any conversion they are likely to be merely a commercial vehicle policy.  These won't have any cover for gas bottles, awnings, generators etc and it's likely that the insurer has potentially taken on the risk not knowing that the vehicle has been converted.

I think it prudent if you own a specialist vehicle, speak to a specialist who likely covers a multitude of other similar vehicles.  Again with a commercial policy you will not likely get the extended European cover as well.

Hope that this is all acceptable.

Thanks.

Dan

Thank you Dan for your time. Just one more, does your company ask for the motorhome converters name and model, or do you just go on value?
Thanks for your time again to reply.

babian wrote:Thank you Dan for your time. Just one more, does your company ask for the motorhome converters name and model, or do you just go on value?
Thanks for your time again to reply.

Hi again,

We do cover quite a few number of 'Self-Build/ conversions' where the policyholder has done the work themselves.  If it's a professional conversion we will likely ask.  As mentioned we do need every material fact relating to the vehicle - i.e nature of conversion and what has been done so that it can satisfy the criteria of our underwriters as  motorhome.

Many thanks,

Dan

Hi Dan
      You may be interested in giving me a quote for insurance renewal on my motorhome, I will be interested in the offer as on a comparison website Adrian Flux was one of the highest
Regards
Alan

I do remember that when I sought insurance for my professional and branded Transit van conversion from the Caravan and Motorhome Club insurance arm they were only interested in what base vehicle was involved. Their point was that there a tens, if not hundreds of converters and hundreds, if not thousands of models/layouts and they couldn't possibly track them all. 

So I suspect they calculate a risk cost based on known replacement parts costs on the base vehicle and then add an average motorhome risk cost from across the spectrum. There are lots of other elements that are taken into account, such as location, mileage, age of vehicle, value, claims history etc, etc. I suspect that if you asked for a quote on a 2015 Symbol, it would come in the same as a 2015 Nuevo and probably the same as a 2015 Broadway and 2015 Autotrail Tracker etc.