Help! Insurance quoted extortionate!

KirkViv

KirkViv

Joined
Aug 1, 2023
Posts
29
Likes collected
79
Location
Yorkshire, UK
Funster No
97,801
MH
AutoTrail Apache 700
Exp
I'm new and nervous but very excited!
We're new to Motorhoming but we've both been driving forever and have owned and caravan previously. I've just been quoted £845 Caravanguard and £1,150 Safeguard for insurance (we've no convictions or medical convictions etc. - does this mean reasonable - I was expecting to pay half this?!
 
Sort by date Sort by votes
KirkViv said:
We're new to Motorhoming but we've both been driving forever and have owned and caravan previously. I've just been quoted £845 Caravanguard and £1,150 Safeguard for insurance (we've no convictions or medical convictions etc. - does this mean reasonable - I was expecting to pay half this?!
Click to expand...
Try Comfort, LV, NFU, etc. Safeguard quoted me £1300 and I ended up paying £350 with Comfort
 
Upvote 0
I was with safeguard all my early years of motorhoming but they seem to have gone to stupid prices,
As mentioned try LV, but phone them as the online is a waste of time. or Comfort..
£300-450 seems more reasonable and what i would expect..
 
Upvote 0
Have you tried compare the market or similar it was a lot cheaper for us this year.
 
Upvote 0
KirkViv said:
We're new to Motorhoming but we've both been driving forever and have owned and caravan previously. I've just been quoted £845 Caravanguard and £1,150 Safeguard for insurance (we've no convictions or medical convictions etc. - does this mean reasonable - I was expecting to pay half this?!
Click to expand...
My car insurance renewal arrived last week. Almost £200 increase. My broker is looking for alternatives but said increases are to be expected. In one of the online news items I read at the weekend it confirmed that high price rises are to be expected this year. Something to do with low claims during lockdown and how this has reversed.

Subscribers  do not see these advertisements

 
Upvote 0
Insurance cost has escalated this year. Agree with The Wino. Try the comparison sites, it will give you an idea how much you will need to pay. Then if you phone around you'll have a figure to bargain with.
 
Upvote 0
KirkViv said:
Now resolved - thanks guys - £428 with Comfort :roflmto:
Click to expand...
Did you try the comparison sites? If not have a try anyway if it comes out less you know next year. The cheapest we had was with a company I'd never heard of called insurd but the underwriter is ageis who are pretty well known.
 
Upvote 0
The Wino said:
Did you try the comparison sites? If not have a try anyway if it comes out less you know next year. The cheapest we had was with a company I'd never heard of called insurd but the underwriter is ageis who are pretty well known.
Click to expand...
thank you - i'll try next time - it's taken me 3 hours to sort today :( but done now thanks to you lovely peeps :giggle:
 
Upvote 0
KirkViv said:
We're new to Motorhoming but we've both been driving forever and have owned and caravan previously. I've just been quoted £845 Caravanguard and £1,150 Safeguard for insurance (we've no convictions or medical convictions etc. - does this mean reasonable - I was expecting to pay half this?!
Click to expand...
Depends on your vehicles cost amongst other things (area its to be kept in, whether its on the road, whether its at your property etc)

My first year on a 29k MH was £360 and the year after with a 1 year NCD, it was £320 on a 40k campervan

All kept on drive at home
 
Upvote 0
it doesnt seem to be insurance that risen its
seems to be renewals that have shot up our last two renewal prices were massive jumps from the previous year,but weve found cover from comparison site at equal or les than previous year
 
Upvote 0
Try Grove & Dean, they did well for me, as I was unable to transfer no claims bonus.
They even provided me with a free Tracker.

Subscribers  do not see these advertisements

 
Upvote 0
The Wino said:
Have you tried compare the market or similar it was a lot cheaper for us this year.
Click to expand...
Personally, I found the comparison site a total waste of 40 minutes.
Waste Of Space.JPG

KirkViv said:
Now resolved - thanks guys - £428 with Comfort :roflmto:
Click to expand...
Thank you; just the sort of useful information we were hoping to get when I joined.
Jo662 said:
Fantastic result for you (y)
Well worth joining MHF then (y)
Click to expand...
Forgive me for being thick Jo, but what is MHF?
 
Upvote 0
West Wales Taff said:
Personally, I found the comparison site a total waste of 40 minutes. View attachment 795449

Thank you; just the sort of useful information we were hoping to get when I joined.

Forgive me for being thick Jo, but what is MHF?
Click to expand...
Depends on your circumstances we saved about £150 over the original renewal quote. At your 40 minutes I wouldn't turn my nose up at £225 an hour!
That being said a licence for 45 years being retired and living in a low crime area with no points probably helps!
 
Upvote 0
Give Adrian Flux a go. we're new this year and they did the best deal for us nearly half price of others, took our NCD for the cars into consideration too.

Subscribers  do not see these advertisements

 
Upvote 0
Comfort for us , only went up £15 this year , been with them for years with various MH’s and PVC’s . There was a post about declaring modifications that resulted in insurance being declined ,make sure you are informing them of any modifications, I had a towbar fitted this year , let them know and they added it to the policy without any issue or added cost for it.
 
Upvote 0
Bognor Saint said:
. Something to do with low claims during lockdown and how this has reversed.
Click to expand...
So they should have had plenty of money saved to pay out for claims that hadn't ibncreased just went back to normal. Just scammers who've dished out the "saved" covid money in bonuses / dividends to shareholders.
 
Upvote 0
KirkViv said:
We're new to Motorhoming but we've both been driving forever and have owned and caravan previously. I've just been quoted £845 Caravanguard and £1,150 Safeguard for insurance (we've no convictions or medical convictions etc. - does this mean reasonable - I was expecting to pay half this?!
Click to expand...
Comfort wanted 33.6% more this year. Scenic motorhome insurance saved me £130.
 
Upvote 0
Try LV= we have a multi vehicle policy - 2 cars + moho. Great deals
 
Upvote 0
The more I deal with insurance companies, the more disillusioned I get. 😡

Got a quote over the phone this morning from Comfort Insurance of £765 but as we hadn't arranged secure parking at the time (so couldn't give them a postcode) we asked for a quote assuming it was parked at home, but would look at the figures again if we were to get secure parking. Fair play to my wife, she arranged Accredited CaSSOA "Gold Standard" parking in a secure compound with "4-levels of security onsite including electronic access control, secure perimeter fencing, CCTV and alarm systems" ...... and (drum roll please) the premium has now gone up to £950. :confused:

How the hell can it be less secure in a "Gold Standard" secure compound with razor wire, CCTV and alarms than sat in my own private drive at home with just German Shepherd Mk I for security? Someone somewhere is taking the p*ss, but you feel like you're banging your head against a brick wall because the "Computer Says No". 😡
 
Upvote 0

Join us or log in to post a reply.

To join in you must be a member of MotorhomeFun

Join MotorhomeFun

Join us, it quick and easy!

Join us

Log in

Already a member? Log in here.

Latest journal entries

Back
Top