I had a conversation with someone today who said you are not covered for wallets or laptops etc. but surely they are personal effects !!!
Does anyone know what personal effects are covered in a motorhome? (1 Viewer)
- Thread starter Gina M
- Start date
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TerryL
LIFE MEMBER
Only definitive answer will come from your insurers. Make sure you read the small print too because they'll do anything to avoid having to pay a claim.
I would think they are covered by your household insurance.
It totally depends on your motorhome insurance, and maybe your home contents insurance too.
Personally, I've got an NFU policy on the van, which is cheap, but effectively car insurance, so contents cover is pretty poor. But my house policy is very thorough and covers a lot while I'm away from home.
Personally, I've got an NFU policy on the van, which is cheap, but effectively car insurance, so contents cover is pretty poor. But my house policy is very thorough and covers a lot while I'm away from home.
Some like NFU offer very limited contents cover on their motorhome policies. However you may well get far better cover for personal effects on your household contents policy. Our NFU contents policy is good.
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If you have your house insurance with nfu you can get your travel insurance with it at A very reasonable price. And that will cover it.
For us it is £1k from LV. We have most items listed for being insured away from home on our house insurance. Like all insurance policies, the Devil is in the detail. Take time and care to read through all of the exclusions.
Safe and happy travels
Safe and happy travels
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Nothing in mine is covered
I only have my van insurance because I have to by law, no other insurance whatsoever….
Ooh nearly a lie, I have breakdown health and phone with nationwide…
Ooh nearly a lie, I have breakdown health and phone with nationwide…
OP
OP
We have found an insurance company 300 quid cheaper for the motorhome but no personal effects covered. Thank you guys for the information we will check the household insurance which is also due for renewal at the same time. How convenient is that!! We usually go with Comfort but Mr Gina M checked out Ripe after seeing it on here and they are cheaper.
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Last edited:
OP
OP
We are back with Comfort. After submitting all of our details online the quote went up to £788.00. It is true Comfort don't insure mobile phones or laptops and only insure up to 400 quid per personal effect item. I suppose that is thanks to the knobs putting in claims for 5 grand watches.
I cannot imagine any insurance company stumping up for a 5k watch if it is left in a motorhome. It should IMHO be a named item on a home insurance policy with cover when away from the home. I certainly wouldn't be leaving one unattended in our MH. Seems a fair price for your cover from what you say.
Safe and happy travels.
I don't think we would ever take more than £500 in personal things likely to get stolen another option is leave any posh stuff at home in a safe and buy a £10 watch and £100 android phone.
It's not worth paying an insurance company to take the gamble on carrying anything expensive around that being said we don't have any flashy stuff anyway.
It's not worth paying an insurance company to take the gamble on carrying anything expensive around that being said we don't have any flashy stuff anyway.
TerryL
LIFE MEMBER
Who needs a 5k watch? My ancient £2.50 Casio tells the time just as well!
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No different to walking around wearing a £5000 necklace but I suppose some do!
What are Ripe’s excesses like? Their Photo gear insurance has very poor excesses
What do you mean by a poor excess? I generally go for insurance with a big excess if they have an attractive premium as I'd sooner accept a fair bit of the risk myself. I suspect that they offer good premiums to people taking some of the risk themselves as apart from their being less to pay out if there is a claim people taking some risk themselves would tend to be more careful.
High, I don’t see the point of having insurance if you have to pay too much in a claim.
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It depends on what you're covering. Take car insurance for instance I think we have had one claim in 40 years that was not at fault and cost nothing. If you take a £500 voluntary excess on two policies and get say a £20 reduction in premium on each why not .
Would you insure an item costing say £200 if not why would you not accept a £200 excess on an item that costs a lot you are reducing your possible loss to an amount you could afford to lose and provided a reduction in premium reflects taking that risk yourself it's a worthwhile saving.
Insurance is gambling. You are paying someone to take the risk of a possible claim they are gambling that on average there will be less claims than the premiums collected after allowing for all their business expenses staff advertising and a profit. Clearly the more risk you accept yourself the more you're likely to save.
Some do struggle with that concept my mother in law for instance tends to want all risks cover on everything. But as she has never claimed I'm pretty sure over the years her insurance costs would add up to more than she would claim if she had a really big claim now.
It's different on things like third party claims on car insurance and the house where if you lost it you could be bankrupt but id still take a big excess on those.
Some people like them. Certain watches make a good long-term investmen. But, fair dues, it is not to tell the time. A quartz watch is more than adequate for that. Each to their own.
OP
OP
No personal items. Comfort allows 5k.
OP
OP
Yes and that's probably what the watch was worth which was stolen, but still a 5k Rolex claimed for
I can sort of almost see the attraction of a Rolex as a jewellery item but I wouldn't pay a lot for insurance to take expensive jewellery on holiday I'd keep it safe at home.
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Personal effects cover whilst away is usually an option on your home insurance. Obviously it will pay more and often there is an excess. you have to decide what is worth paying.
We have breakdown and travel insurance with Nationwide bank as part of the flex plus bank account and that includes mobile phone cover but there is a £100 excess and as my phone is only worth £110 it's pretty much pointless.
We have a laptop (£350) 2 cheapish phones, 2 cheapish tablets in our van when travelling. Given I haven't claimed on any insurance for 20 years I am of the opinion getting cheap insurance with basic cover is probably financially more beneficial. Effectively self insure!
Really my only insurance concern is to cover should the house burn down while I am away. Everything else is just a risk worth taking as the risk is so low and costs involved for replacing not astronomical.
Same as us more or less except we often travel without laptops or tablets these days and just use the phones and a couple of old kindles. I suspect if we got broken into they'd be very disappointed!
Actually it will probably tell the time better
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