I'm literally crying, so sad to see this

[Minxy]

1. The premium you paid for your insurance should last you for a full twelve months. ie it is still in force, even though they have/will pay out. I was most surprised when we contacted Safeguard on buying our 'new' MH with the payout money, that they simply took the new vans details and entered them on the existing policy with a small supplement to pay for the higher value 'new' van. Just as if I had changed van mid policy.

Not for a total loss. Always ended at the moment of being made a total loss. Can't believe they would have changed it?

I can't see how they can say the policy is void after they've paid out as you'd have paid for a year's cover, there is nothing in my policy to say a policy would end if this occurred. Also see my response to Geoff above about the full premium still being due (assuming this is meant for those who make monthly payments), if the policy wasn't then still 'active' how would they be able to enforce you having to pay for it? One thing to be aware of though, if you pay monthly for insurance you are paying a 'loan' to a third party who has paid the insurer for the policy on your behalf, so your debt is with the 'loan' company and they are likely to hound you for it!

 

[nicholsong]

Pleased for you both, as others have said check out your home insurance for personal losses and move on

I did wonder if the £600 was your excess?

Not normally an excess on a total loss, is there?

 

[DavidG58]

Not normally an excess on a total loss, is there?

I would expect an excess on any claim

But these days I am wrong more than right

Only total loss I have had lately was a company van and I am sure we had to claim the excess from the third party, but refer to above for validity

 

[cliffanger]

Happy to hear it’s being settled Paul.

Hope you can look forward now, and get back to enjoying the summer in your new van.

 

[Minxy]

Not normally an excess on a total loss, is there?

An excess is always made for any claim regardless in my experience, of course if you can get it back from the other party assuming they were at fault you'd either not have to pay it up front or get it back afterwards depending on how your own insurance company dealt with it.

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[Armytwowheels]

Well done Paul. You made the right decision to preserve whats left of your sanity.

Any idea what van you will go for next?

 

[Mikey RV]

Glad your sorted and able to move on now. Look forward to seeing the pics of your new motorhome when you get it.

 

[Roger S]

I too think you have done the correct thing.

Customer service is a thing of the past sadly, I wonder how different it would be with any other company ?

Glad your moving on

 

[Neilfg]

No personal experience of a total loss and do not want to, but sounds as if you actually got a good result . But an issue is the chasing you had to do and the lack of support from the insurer and broker, it almost seems as though they just depreciated the van value from purchase by 100 pound a day.

Interested to know the broker insurer concerned but also be good to see one of the brokers insurers who frequent the forum take the opportunity to say if they would have acted any differently

Hope you find a replacement soon and can start moving on

 

[gus-lopez]

Not normally an excess on a total loss, is there?

Yes. Here the excess is for each lot of damage according to my broker. front back ,each side ,roof & underside .so 6 x excess.deducted

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[JockandRita]

haganap. Just catching up Paul & Nikki.
As much as I would like to think I'd be a hard nut to crack, and be able to stick it out until the bitter end, upon reflection I think you have both made the right decision, however hard a £600 "no fault" loss sticks in the back of your throat.
We went through a bit of a stressful time with a caravan supplier close to Ferry Bridge some years ago, when we ordered a new caravan from them at the NEC. They went back on their every word re our choice of interior colours and coverings. It got to the stage where the worry and stress played on Rita's health, so to put an end to it all, we had to take a £500 hit by cancelling the order and losing our deposit. The barstewards got money for nothing.

It was the right decision, and the loss soon became immaterial, in the grander scheme of things.

Looking forward to viewing the new set of wheels, and having a with you.

Sleep better now.

Jock.

 

[nicholsong]

Yes. Here the excess is for each lot of damage according to my broker. front back ,each side ,roof & underside .so 6 x excess.deducted

But then there is the interior - so an excess for the six dimensions of the interior also? So that's 12 X excess?

Are they having a a laugh? Especially for a fire claim?

[EDIT] If you ever have a claim, call me.

 

[gus-lopez]

But then there is the interior - so an excess for the six dimensions of the interior also? So that's 12 X excess?

Are they having a a laugh? Especially for a fire claim?

[EDIT] If you ever have a claim, call me.

well I must admit geoff when using comparison sites here I had always wondered why choosing the 'no excess' option increased the premium considerably . ( In fact many compaies would not offer a premium) When i suggested to the broker here about increasing the excess to a much larger amount ,was when he explained it to me & even to ensure i understood he used his phone as a 'vehicle' & pointed to each part. front, back, top, bottom ,left,right.

 

[nicholsong]

well I must admit geoff when using comparison sites here I had always wondered why choosing the 'no excess' option increased the premium considerably . ( In fact many compaies would not offer a premium) When i suggested to the broker here about increasing the excess to a much larger amount ,was when he explained it to me & even to ensure i understood he used his phone as a 'vehicle' & pointed to each part. front, back, top, bottom ,left,right.

I can believe it.

Her we have so far got basic minimum legal Third Party cover, but that does not include Fire and Theft.

For Comprehensive cover we had to have a valuation, because insurance here is on 'Agreed Value' not market value. But we have still not had a quote, even through our friendly broker, who is the husband of Basia's ex-business partner.

Then Contents insurance is not included, even in a comprehensive policy, so a separate policy.

Then of course recovery is extra.

No wonder the insurance companies do not want an EU open market on financial services.

I will keep you posted.

Might at the end of the day self-insure, except for the legal bit.

Geoff

 

[haganap]

Ok, So AXA have been true to their word and paid out.

My insurance was with Safeguard who do actually nothing other than direct you to AXA if you have a claim. AXA use or have been (they are bringing it in house now) various companies.

1) Sedgewicks who do the investigation to make sure you are legit, my investigator was excellent.
2) COPART who do the vehicle assessment and to be frank were useless in every way.
3) AXA who if you can get hold of are more than reasonable.

There seems to be some discussion about what happens next with your policy.
1) If I cancel, I lose everything I paid for it as the company have paid out.
2) I can however, keep the Policy running with a new vehicle which I intend to do.

No Claims/ Fault Claims
1) I will lose 2 years of my full 9 years of no claims
2) it goes down as my fault as there is no one else to blame.


So that just about clears it up and in a few weeks my post will hopefully contain me sitting in my new van somewhere, anywhere with a happy wife and a happy dog.

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[irnbru]

Hopefully yes it will all be behind you soon. Onwards and upwards, just a shame for your bad experience.

 

[panda]

Ok, So AXA have been true to their word and paid out.

My insurance was with Safeguard who do actually nothing other than direct you to AXA if you have a claim. AXA use or have been (they are bringing it in house now) various companies.

1) Sedgewicks who do the investigation to make sure you are legit, my investigator was excellent.
2) COPART who do the vehicle assessment and to be frank were useless in every way.
3) AXA who if you can get hold of are more than reasonable.

There seems to be some discussion about what happens next with your policy.
1) If I cancel, I lose everything I paid for it as the company have paid out.
2) I can however, keep the Policy running with a new vehicle which I intend to do.

No Claims/ Fault Claims
1) I will lose 2 years of my full 9 years of no claims
2) it goes down as my fault as there is no one else to blame.


So that just about clears it up and in a few weeks my post will hopefully contain me sitting in my new van somewhere, anywhere with a happy wife and a happy dog.

Hope to see you again,sometime,somewhere in the near future

 

[StephandJohn]

Thanks for clearing up al lthe questions. We're with Safeguard and are now reassured that in the event of having to claim we'll be well treated.

 

[busbuddy]

in a few weeks my post will hopefully contain me sitting in my new van somewhere, anywhere with a happy wife and a happy dog.

Which, in the grand scheme of things, is what it's all about

 

[Jimbohorlicks]

One of life's experiences no one wants to go through.Trust you find your next van ok and enjoy it.

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[Larrynwin]

Glad you have a degree of closure on a dreadful experience so you can now move on Paul and Nikki.

My holiday insurance linked to my Lloyds bank account was underwritten by AXA who were helpful and paid up promptly with all aspects of my claim when hospitalised in Tenerife a few years back.

 

[Mikey RV]

Glad your sorted money wise, now to get your new motorhome.

 

[gus-lopez]

2) COPART who do the vehicle assessment and to be frank were useless in every way.

They are.
I watched a youtube vid recently where they were auctioning a Lambo & the bloke who does salvage rebuilds was interested. Fortunately he uses a car checker that does all countries.
You would think that copart UK would ask copart U.S. for info?
Here ;
from 20 minutes in if you don't want to see it all.


worth a watch

 

[gus-lopez]

Ok, So AXA have been true to their word and paid out.

Great to here they have paid out.

 

[Trev45]

I'm sure I'm not the only person who would be interested as to what caused the fire . Presumably no one bothers to try and find the
answer and we are all left to speculate. Without knowing the cause it might put someone off buying a Carthago fearing theirs might suddenly catch fire.

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[haganap]

I'm sure I'm not the only person who would be interested as to what caused the fire . Presumably no one bothers to try and find the
answer and we are all left to speculate. Without knowing the cause it might put someone off buying a Carthago fearing theirs might suddenly catch fire.

Yes, I would like to know too, but it doesn't work like that.

We will never know, we can all speculate, but can never be sure.
I've never been asked by anyone..

 

[VXman]

I can't see how they can say the policy is void after they've paid out as you'd have paid for a year's cover, there is nothing in my policy to say a policy would end if this occurred. Also see my response to Geoff above about the full premium still being due (assuming this is meant for those who make monthly payments), if the policy wasn't then still 'active' how would they be able to enforce you having to pay for it? One thing to be aware of though, if you pay monthly for insurance you are paying a 'loan' to a third party who has paid the insurer for the policy on your behalf, so your debt is with the 'loan' company and they are likely to hound you for it!

I have had two total write off claims (I know - ridiculous!) and on both the policy is cancelled on receipt of the payout. In my experience it's normal policy. Check your small print.

 

[Terry]

I have had two total write off claims (I know - ridiculous!) and on both the policy is cancelled on receipt of the payout. In my experience it's normal policy. Check your small print.

Paul has explained his options from his insurance on his post 465no small print to check

 

[Minxy]

I have had two total write off claims (I know - ridiculous!) and on both the policy is cancelled on receipt of the payout. In my experience it's normal policy. Check your small print.

I checked before and there is no mention whatsoever that my policy would be cancelled if a total write off claim was made and it appears that haganap's isn't either, perhaps it depends on which company you take the insurance out with and/or their underwriter's T&Cs.

There seems to be some discussion about what happens next with your policy.
1) If I cancel, I lose everything I paid for it as the company have paid out.
2) I can however, keep the Policy running with a new vehicle which I intend to do.

 

[WESTY66]

In my youth I had two cars total loss after separate accidents and both times the policy ended with the pay out. It was in the eighties so things might have changed now, either way haganap im glad you’re sorted and can move on to your new van and enjoy your motorhoming once more

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