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BabsW
21-07-2016, 13:19
Wee question from a newbie regarding insurance. I've just purchased a new van - Tribute T-670, which I intend using as my day to day vehicle as well as campervan for weekend trips away and longer holidays sometimes. Having problems getting insurance companies to understand that I will need higher mileage allowance because I will be using the van to commute to and from work each day. This journey is fairly short, maybe 20miles round trip each day, however it is five days a week, year round (minus holidays etc). I have therefore been looking for 10k miles allowance - however this seems to be pushing the cost up, and that's even if they will offer the insurance. I'm a 46 year old female, with full no claims on my car (which will be getting sold) and also have 7 years no claims on a motorbike (which I will still retain). I'd therefore be using the car no claims to use on my motorhome policy. Anyone have the same issues, or any advice on who would provide a decent priced policy?

Thanks in advance :)

antiquesam
21-07-2016, 15:31
Try AIB. They are quite versatile while other motorhome insurers are a bit specialist. I did find my insurance was twice as high on the van when I didn't have a car though.

Sky
21-07-2016, 17:34
I insured my last van (4 berth Autoquest) with Equity Red Star. I had it as my day to day vehicle as well as using it as it was intended. I was full-timing too, but I didn't tell them that.

Despite it being my only vehicle they gave me fully comp with 10,000 miles for 230.00 (I'm 57).

Apparently, they don't have a good reputation, but they treated me well. For an extra 70.00 they would have included breakdown too.

hextal
21-07-2016, 17:41
Shield seem fairly flexible, they covered the van whilst i was converting it, so they may be worth a try.

I transfered my car no claims to the van (though I use the bike or our lass' car to commute) so I think the mileage on the
Policy is relatively low.

BabsW
21-07-2016, 18:01
Thanks folks, will try AIB, Equity and Shield, and see what they say :)

Private
21-07-2016, 19:40
Thanks folks, will try AIB, Equity and Shield, and see what they say :)

As previously mentioned AIB are well worth a call as I found they actually listen to your requirements rather than just going through the questions.
I previously used insurance obtained through the Caravan & Camping Club; they provided me with a policy that came with commuting as standard (not the norm for motorhomes) & the price was circa 200. I am in your age bracket but I live in a "crash for cash" hotspot so you shouldn't be paying much/any more.
With regards no claims bonus; you will likely find they don't treat it the same as on cars. I.e. you can pay same with zero NCB as someone with full NCB. The problem with that may arise when you wish to transfer it back to cars.

BabsW
21-07-2016, 21:20
Will give them a call tomorrow and see what they say - would be good to get the price down a bit!!

Cheers!

hairydog
27-07-2016, 18:30
I insured my last van (4 berth Autoquest) with Equity Red Star.Did you manage to insure with them directly, or did you have to go through a broker?

oldish hippy
27-07-2016, 18:54
try scenic

Sky
28-07-2016, 16:09
Did you manage to insure with them directly, or did you have to go through a broker?

Initially it was through the C&CC, but I was only a member for the one year. They didn't ask if I was a member after that, so I didn't bother mentioning it. :)

loulou
28-07-2016, 18:08
You could try Comfort. I have high mileage, over 10k, (I'm 72) no probs, including UK & European breakdown cover. :goodluck::drive::drive:

hairydog
30-07-2016, 18:12
You could try Comfort. I have high mileage, over 10k, (I'm 72) no probs, including UK & European breakdown cover. :goodluck::drive::drive:As far as a I recall, last year for me Comfort were over twice the premium. May not be this year, of course.

It seems to me that motorhome insurance premiums are worked out using a random number generator. One year a company will be really good on price, the next year they're way too expensive. And comparing premiums is not that easy.

Some restrict the maximum payment for windscreen replacement to a few hundred. Some A-class windscreens cost several thousand pounds.

Some don't use NCD but give a certificate if you move away the next year. Others don't, it seems.

I moved house a few years ago and my new postcode meant that some companies wanted a lot more money, but others wanted less.

I do know that last year, the agent's commission and renewal fees were not all that much less than the premium paid to the insurance company. I'd prefer to go straight to the insurer, but can't work out a way to do it.


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