High Mileage Motorhome Insurance!

[Treefitter]

This is more about mileage and value. On ringing round for more insurance I’m coming up against the “ That’s a high mileage sir” I’m after 15k a year. I’m informed that most Motorhomes and campers are only travelling 3-4k a year. We have travelled 12k this year and off again soon. I’m also finding that a value of 84K seems a worrying figure to insurers.
Are any of you experiencing this negative response as some of the quotes I have been offered are what I consider to be excessive and greedy. 2-3k for a year is silly!

 

[Toady]

Try the NFU office in Clunderwen, Pembrokeshire. Lovely ladies and they speak Welsh. You will feel like you are on your hols whilst getting a quote.

 

[Lenny HB]

I thought this thread was about Mileage / Insurance and helping someone with a question!

Why do people always seem to make comments that are not relevant to the OP with just their opinions on a non related subject? Why comment on where is best to travel? It was not in the original question was it?

Can we have relevant posts that will help the OP rather than your thoughts on areas you think people should travel / visit and then telling people where they should live, otherwise the helpful post get lost in a pile of non related, non helpful and possibly even pointed comments and statements?

As I said Treefitter, try Comfort / Aviva if you have not done so already.

It's all part of the Fun on Fun, you don't have join in.

 

[VXman]

Try NFU. We re similar value, 12k miles. They re right that this is high mileage but NFU does ours for just under £400 pa. The limitations you need to know about is that you do not automatically get Fully comp in Croatia. They do cover more companies as standard that many of the mainstream ones but only on basic cover, Morocco, Montenegro, Bosnia and I think Turkey although need to check.

Weird the way insurers are not consistent on countries. Mine (Comfort/Aviva) Cover me fully comp in Croatia (and all other EU countries) also Serbia and Bosnia but wouldn't cover Montenegro at all.

 

[PaulW2]

This is more about mileage and value. On ringing round for more insurance I’m coming up against the “ That’s a high mileage sir” I’m after 15k a year. I’m informed that most Motorhomes and campers are only travelling 3-4k a year. We have travelled 12k this year and off again soon. I’m also finding that a value of 84K seems a worrying figure to insurers.
Are any of you experiencing this negative response as some of the quotes I have been offered are what I consider to be excessive and greedy. 2-3k for a year is silly!

Aviva policy via AIB. 25k miles notional limit. Bought specifically as I didn't want to be limited.

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[VXman]

Have you tried Comfort?

We live in our van permanently so have Full-timers insurance which I know is different to your situation. However, Comfort mileage on our policy with Aviva is unlimited. Our van is well over £100,000 in value.

We have done over 30,000 mile in just over 2 years (first year was only 5,000 due to COVID lockdowns).

Interested to know how much that costs. I am with Comfort for a £60,000 van and I was on 8000 miles. I increased it to 10,000 and it went up quite a bit. I paid £500 this year.

 

[FrankNicklin]

My insurance is with Axa fully comp through a broker, have limited mileage though, but one caveat is that although Fully comp I cannot drive another vehicle with the owners permission on this insurance, but I can with my car. So having motorhome insurance does not allow me to drive another motorhome, but having car insurance does allow me to drive another persons motorhome 3rd party only. Where is the logic in that.

 

[LesW]

Plenty of wonderful places to visit in the UK, no need to travels hundreds of miles to Spain or France, will be spending my money in this country.

Fine if you enjoy sitting in traffic... one of the many joys of driving abroad, especially France is the lack of traffic when moving around.

 

[VXman]

Plenty of wonderful places to visit in the UK, no need to travels hundreds of miles to Spain or France, will be spending my money in this country.

As seasoned campers having camped through storms and shite weather as you put it, a motorhome is luxury for us. You don't need good weather to enjoy the country.

Why do people have to be so partisan. Yes UK it great and has a lot going for it. But so does Spain and France and a lot of it is very different to UK.

If you don't want to broaden horizons fine but try and understand why other people do.

I have done Scotland (beautiful weather - we were lucky) Wales, England , Ireland (ok not UK!) but I love exploring further, I love experiencing different cultures and France/Spain - in fact most of Europe roads are better than UK. Europe is more motorhome friendly. England is fine if you like campsites but not great for cheaper forms of parking.

Nice weather is better for me. (Although I disagree with Lenny 22-25 is plenty for me). I fine rain depressing. Walking in the mountains isn't fun when its pouring with rain and you can't see anything. When it rained a lot in France a few weeks ago we had to search out some Chateaus to visit.

 

[jongood]

I thought this thread was about Mileage / Insurance and helping someone with a question!

Why do people always seem to make comments that are not relevant to the OP with just their opinions on a non related subject? Why comment on where is best to travel? It was not in the original question was it?

Can we have relevant posts that will help the OP rather than your thoughts on areas you think people should travel / visit and then telling people where they should live, otherwise the helpful post get lost in a pile of non related, non helpful and possibly even pointed comments and statements?

As I said Treefitter, try Comfort / Aviva if you have not done so already.

Weird the way insurers are not consistent on countries. Mine (Comfort/Aviva) Cover me fully comp in Croatia (and all other EU countries) also Serbia and Bosnia but wouldn't cover Montenegro at all.

Quite. Saga wouldnt entertain Bosnia.

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[Dolmen]

I thought this thread was about Mileage / Insurance and helping someone with a question!

Why do people always seem to make comments that are not relevant to the OP with just their opinions on a non related subject? Why comment on where is best to travel? It was not in the original question was it?

Can we have relevant posts that will help the OP rather than your thoughts on areas you think people should travel / visit and then telling people where they should live, otherwise the helpful post get lost in a pile of non related, non helpful and possibly even pointed comments and statements?

As I said Treefitter, try Comfort / Aviva if you have not done so already.

You may be right, however, I believe it depends upon the thread and who starts the thread. In some cases its called fun to go off at a tangent and you dont have to contribute if you dont like it and sometimes its called wrecking a thread and you need to run to Jim, no idea how you decide which one it is.

 

[FrankNicklin]

Why do people have to be so partisan. Yes UK it great and has a lot going for it. But so does Spain and France and a lot of it is very different to UK.

If you don't want to broaden horizons fine but try and understand why other people do.

I have done Scotland (beautiful weather - we were lucky) Wales, England , Ireland (ok not UK!) but I love exploring further, I love experiencing different cultures and France/Spain - in fact most of Europe roads are better than UK. Europe is more motorhome friendly. England is fine if you like campsites but not great for cheaper forms of parking.

Nice weather is better for me. (Although I disagree with Lenny 22-25 is plenty for me). I fine rain depressing. Walking in the mountains isn't fun when its pouring with rain and you can't see anything. When it rained a lot in France a few weeks ago we had to search out some Chateaus to visit.

Not partisan at all. I like to travel and off to Tobago next year, was in Germany this year, done France, Croatia, Portugal, Mauritius, Holland, Denmark, Poland to name a few. Just commenting on mileage which came about in the insurance discussion that obviously travelling backwards and forwards to Spain/France every year racks up the mileage.

I want to see more of this country good or bad weather and being in a motorhome rather than under canvas allows use to do that year round come rain and shine and not just during the warmer seasons.

 

[rod_vw]

And I live 12 miles away and this is considered a good one - go figure!!

Crazy situation isn't it? I've lived in this house for 53 years and have insured vehicles at the address for the same length of time. Only claimed once I think, back in the 1981 bad winter when I wrote a car off on the icy roads. I've got two other vehicles insured, another camper and a high(ish) value classic on an agreed value policy. You've read my story on the other forum, you would think I was a 20yr old boy racer from that not a 75yr old with a clean license and good no-claim record, the other camper policy has max NCB. The classic is valued at more than the new camper but garaged with limited mileage at 5000miles and costs less that £250 per year to insure! To quote you "go figure!!"

 

[Fulham Dave]

Interested to know how much that costs. I am with Comfort for a £60,000 van and I was on 8000 miles. I increased it to 10,000 and it went up quite a bit. I paid £500 this year.

Hi VXMan, we pay £2400 per annum on an "insured" amount of £150k, although this would not buy us a like for like new van owing to price increases.

Costly enough, but £1200 less than I was paying for Council Tax each year when we had the house, and only £1000 more than I was paying for Buildings and Contents insurance!

 

[gus-lopez]

As seasoned campers having camped through storms and shite weather as you put it, a motorhome is luxury for us. You don't need good weather to enjoy the country.

Even if the weather was good it still wouldn't be enjoyable,nothing is.

If the UK weather is an issue for you why not move move to Spain or France, would be cheaper still and good weather all year round.

I did.The sun shines. when it doesn't i'm not happy. & no there isn't anything I enjoy here either.apart from the better weather.

My insurance is with Axa fully comp through a broker, have limited mileage though, but one caveat is that although Fully comp I cannot drive another vehicle with the owners permission on this insurance, but I can with my car. So having motorhome insurance does not allow me to drive another motorhome, but having car insurance does allow me to drive another persons motorhome 3rd party only. Where is the logic in that.

I never understood why they even offer it ?
Considering most in the UK want full comp so they can claim for there own negligence,why would anyone want someone borrowing there car using a 3rd party only policy based on another vehicle?

You've got to be stupid to lend anyone a vehicle on those terms & judging by the amount a motor repair shop on you tube buys there are 00's of them doing it regularly? Defies belief.

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[97243]

A comparison from France. Just insured our 45000€ van for up to 8000 kms per annum at 366€ for the year.