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MikeAnita
12-05-2013, 14:47
:wave:Hi not sure if this is the right forum,
Can anyone recommend motorhome insurance including european cover and breakdown, an overall company for price and service
MikeAnita:wave:

vwalan
12-05-2013, 14:59
saga . if you are young enough. hee hee

Alf
12-05-2013, 15:56
Caravanguard without a doubt see link

Caravan Insurance for touring & static caravans from Caravan Guard (http://www.caravanguard.co.uk/)

Alf

yorkslass
12-05-2013, 17:38
safeguard"s worth a look:wave:

yorkieowl
12-05-2013, 17:45
Safeguard for us too, good European and breakdown cover, unlimited mileage, but haggle, try and get better quotes and then go back to them.

basa99
12-05-2013, 20:07
Try Comfort, they specialise in Motorhomes and caravans,good rates and breakdown Uk and Europe covered by the RAC

Neckender
12-05-2013, 22:06
I was with the same ins company for 8 years with out breakdown cover, I'v just renewed with safeguard with full european breakdown and came out cheaper than my old company.

John.

John H
13-05-2013, 07:16
Another vote for Safeguard - 12 months European cover, including breakdown recovery and they will provide a driver to bring the vehicle home if you become incapacitated. Never found any other company that can beat their premiums for the same amount of cover.

bigG
13-05-2013, 09:53
Safeguard, but don't accept their inflated quotes for renewals.

Tbear
13-05-2013, 09:55
Safeguard again. When we had a problem they sorted it, hassle free.

Richard

MikeAnita
13-05-2013, 17:15
Hello We would like to thank everyone for there input on the insurance companies.
MikeAnita:cheers:

Frances
13-05-2013, 18:17
Comfort worked out best and cheapest for me.

atcherokee
03-07-2013, 05:49
Just made a claim for a total loss with Caravanguard it was a no fault claim. The whe process was an absolute nightmare. Although they valued the motorhome in December for renewal purposes when it was deemed a total loss they were not prepared to pay out the total sum insured.
Beware!!!

Wooie1958
03-07-2013, 06:04
Just made a claim for a total loss with Caravanguard it was a no fault claim. The whe process was an absolute nightmare. Although they valued the motorhome in December for renewal purposes when it was deemed a total loss they were not prepared to pay out the total sum insured.
Beware!!!



I think you need to say a little more than that.

You say " they " valued the Motorhome in December why was that ?

Normally Insurance Companies ask " you " for the valuation when you are getting the Quote or Re-newing the policy.

Did you by any chance Over-estimate its value ?

yorkieowl
03-07-2013, 07:16
I think you need to say a little more than that.

You say " they " valued the Motorhome in December why was that ?

Normally Insurance Companies ask " you " for the valuation when you are getting the Quote or Re-newing the policy.

Did you by any chance Over-estimate its value ?

Also did you take the first amount offered? Should refuse and quote your price, see what they come back with. Is the book value same as yours? They usually go with that minus the condition of the van pre accident, (scratches/dents) etc.

atcherokee
03-07-2013, 11:07
I'm not a newbe to this game and have had caravans and motorhomeo for over 30 years, but this is the first ever total loss. I had given a value on renewal in December but had a phone call from the insurance company in January to tell me I had over estimated by 3500 and that is what they were covering.
I had to battle with the assessor to get a figure that was still 3000 below the agreed insured value, which was some 4000 more than his original offer. Don't forget this accident was not my fault and it would be my insurance company's job to claim back from the driver who was at fault .
I still had to forfeit my excess,which another company are trying to recover for me.
Caravanguard / Royal Sun Alliance have not helped to lessen the stress my wife and I have had to suffer over the last 5/6 weeks.When I insure the new motorhome a lot more questions will have to be answered by whatever company I use.( it won't be Caravanguard )

atcherokee
03-07-2013, 11:14
By the way the motorhome was only 3years old so was mint.
There was 7000 of extras fitted which the assessor now valued at 2000which was included in his offer.
You just don't know how good the company is until you have a big claim , mine was in excess of 40k.
Just beware of EXACTLY what you get for your money.

yorkieowl
03-07-2013, 20:28
We had a no fault accident 3 or 4 years ago, got the work done, without paying the excess and then claiming it back, (as they wanted us to do to start with), but can't see how they can always work in the claimants best interests, as in our case we were both insured with the same company. They should work the same as solicitors and not be able to represent both sides, but don't know how it could work.

phillybarbour
04-07-2013, 05:52
NFU are brill, local people talking total sense, great premiums and any issues you can go in and see them face to face, outstanding.

atcherokee
04-07-2013, 06:28
Unfortunately NFU will only cover a maximum of 3 weeks abroad.

Rich and Sarah
22-08-2013, 17:02
Hi. We've just arrived back from France/Spain. We had a blow out and found out our European breakdown cover didn't apply to toll and motorways in Europe. The helpful lady at our Insurance company was very quick over the phone to guide us to the relevant small print on page 5 (hidden) in tech speak. Thanks. Also said it didn't cover us for blow outs and punctures though it stated on the front it did. she said if we'd have broken down in the town we would have been fine. Laughable. We managed to get things sorted by a very nice breakdown guy 20 euros. Oh one more thing we had to pay and claim back. We just gave the company our insurance details and let them contact them for payement. Before you come back that i should have read the small print, yes i should have but if the small print would have said " only break down in a town or off the motorways" then maybe id have had a chance. I'm not going to name names until I've spoken to them. If i don't get reasonable explanation i may do.
just be careful when looking into cover. Ask all the relevant questions

Rich

Sparks
22-08-2013, 17:49
Post Deleted

Rich and Sarah
22-08-2013, 18:15
Rich and Sarah, I don't think it's your cover that stipulates no motorway cover. All vehicles broken down on (at least French) motorways have to be recovered off the motorway by a police authorised company. You have to pay for this but can be claimed back from the insurer.

no was a definate. We would have to pay for recovery off motorway without being able to claim back and would have to pay for anything covered then claim back. Latest news is an answer phone message saying the invoice has been payed.

Rich

Rich and Sarah
24-08-2013, 08:40
no was a definate. We would have to pay for recovery off motorway without being able to claim back and would have to pay for anything covered then claim back. Latest news is an answer phone message saying the invoice has been paid.

Rich

They only paid the charge off the motorway not all.


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