Insurance costs post high value claim......

[mikebeaches]

Brilliant thank you I will give them a try

Can't promise Advance will be the solution, but definitely worth a call.

 

[Coolcats]

Can't promise Advance will be the solution, but definitely worth a call.

Could be a beer in it if they do

 

[Landy Andy]

Another to try is Adrian Flux. Doesn’t always get positive reviews but is known to insure pretty much anything. Worth a phone call if you haven’t already tried them.

 

[Coolcats]

Another to try is Adrian Flux. Doesn’t always get positive reviews but is known to insure pretty much anything. Worth a phone call if you haven’t already tried them.

Thank you, that one is in progress I have a quote that's half the original but it needs amending so I am holding my breath to see what happens

 

[Coolcats]

In the 90's we had 3 break ins at our factory over 14 months and even as we introduced progressive increases to security as requested by the insurers they found another way. In the end our premiums went from about a 1000 a year to 14000. Whats more we were told one more break in would render us uninsurable by our broker! They don't have to sell you cake if they choose not to. You will just have to keep searching or take the premium on the nose maybe for one year then someone may soften their view?

I totally understand and what a turbid time it must have been for yourselves, its interesting in that like yourselves we have upped our security and its like water off a ducks back to an insurance company, I would rather pay another £50 on insurance than have the nonsense that the underwriters play. I know we all want cheapish insurance but charging people ridiculous amounts helps no one, that £14000 could have put some out of business.

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[Coolcats]

Thinking about whether to claim for about £1000 worth of repairs to the motorhome caused by a delaminated tyre.

Apart from the fact that they may not pay..................... .but still increase premiums because of an incident..........I'm having second thoughts (also a £250 excess I think.

Those are massive increases....................how much would it need to be before others would claim.

Interesting, its not just about the value but also if you claim and have another one or two and whilst that is not the norm sometimes stuff just happens. I had a claim in 2018 for a dent that appeared in a car park something had fallen on to the car according to the body shop just below the side window on a Kombi £1,200 to fix so I claimed now I have a multiple claim from a burglary including a high value vehicle it makes it tricky.

Mind you if I live FT in the MoHo it may make the insurance look a bit cheaper

 

[Two on Tour]

Another vote for Advance Insurance. They were the only company that came through with a sensible quote on a PVC we had. We are still with Advance Insurance now.
They actually take the time to offer a service to their customers, which is more that the cretins at Adrian Flux would ever do and I would not piss on Adrian Flux if they were on fire after the episode we had with them.

 

[jezport]

NFU local branches are very good, better than the NFU online

 

[Podney]

Another vote for Advance Insurance. They were the only company that came through with a sensible quote on a PVC we had. We are still with Advance Insurance now.
They actually take the time to offer a service to their customers, which is more that the cretins at Adrian Flux would ever do and I would not piss on Adrian Flux if they were on fire after the episode we had with them.

Oi!
Stop sitting on the fence will ya! Speak your mind and don’t hold back!
Love it.

 

[Two on Tour]

Oi!
Stop sitting on the fence will ya! Speak your mind and don’t hold back!
Love it.

I would love to speak my mind when it comes to Adrian F*ckups, but I have to watch my blood pressure.

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[Clipgate]

Insurance is for those who do not claim, the concept of sharing the strain between policy holders has all but gone. The bean counters are in charge, computers share information and history.
Even no blame claims are a claim and will down the line affect your scoring, being declined is recorded and eventually come to the surface.
Try a mutual that your able to converse with, I am no representative or expert other than negotiating commercial insurance contracts, try someone like the NFU

 

[Speve]

Give LV= a call I moved from Safeguard to them and got a really good quote saved me half the cost of Safeguard.

 

[Coolcats]

Give LV= a call I moved from Safeguard to them and got a really good quote saved me half the cost of Safeguard.

The MoHo was insured with LV, two claims on your record and they decline to quote. This is what I mean in that they are cheap seem to be good but A tight criteria and do not mind a premium increase By two claims 2018 dent by unknown 3rd part on my van then wife’s car and mine stolen in the same incident they do not want to know and they were not the insurer for the stollen vehicles.

 

[Speve]

By two claims 2018 dent by unknown 3rd part on my van then wife’s car and mine stolen in the same incident they do not want to know and they were not the insurer for the stollen vehicles

This as far as I can see is not LV Highway I dealt with LV= direct, Safguard use LV Highway as AIB do.
Although I did not have any claims with them so might make a difference.
And as I said I cut my insurance price in half including UK & EU breakdown

 

[Gixer]

Just insured my new MH with Lifesure - £300 with excess protection and legal, I've got no NCD on a MH - on a 2018 £45000 vehicle

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[Basildog]

I hate insurance companies... money grabbing bandits.

JJ

You might be surprised that insurance companies don’t often actually make profits on motor insurance, it’s not the cash cow people believe it to be

 

[JJ]

You might be surprised that insurance companies don’t often actually make profits on motor insurance, it’s not the cash cow people believe it to be ⚠

I reckon they make enough...

Money grabbing bandits.

JJ

 

[gus-lopez]

and he wasn't going to sue her..

He doesn't have to .It isn't anything to do with him.The insurance company are liable.end of. If they wish to use the "if roof was maintained = act of God/ if not bad maintenance = not insured " Is b****cks ,The claimant sues the insurance company ,They are responsible for any type of 3rd party claim.
If they want refuse the claim they cannot ,They have to pay & then sue the policy holder & nothing to do with the inured party.

you will have a claim fault within 2 years .. told them that I had not had one for the 20 years before that but they won't listen.

I've never had one in 49 years although I have written off a few .

My mate who delivers cars daily has been hit 4 or 5 times whilst delivering ,all no fault, but he doesn't even mention them when insuring his own stuff.

that £14000 could have put some out

When my mate moved here in 2004 his business insurance, for which there had never been a claim, had risen from £1200/year to £20/hour for 40 hrs/week over a period of 12 years

the concept of sharing the strain between policy holders has all but gone.

Yes that is what all the Uk policy holders are forgetting.Here we are fortunate that it is still the same & a claim doesn't really increase premiums + they also do not scam you with "knock for knock" someone is always to blame. Also they swear by the 'accident report form' That can take 3 hours filling in at the road side. You don't have to fill it in & sign but it doesn't do you any favours if you don't.

 

[gus-lopez]

I always used to use Clegg,Gifford insurance when I was first driving as they would insure anything .

 

[Nanniemate]

A passerby was injured by a falling roof tile during the last big storm. She should be compensated - insurance company are looking to deny the claim on 2 counts - the roof was either well maintained and it was 'an act of god' or it wasn't maintained and it was our fault...................... scumbags !

Are you insured through your bank account (Barclay's) by any chance

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[The Wino]

On the flip side to all these stories we used to employ someone in the 1990's who always had new for old cover and always seemed to accidentally spill things on the carpet when she wanted a new one. I think at the time they weren't so interested in the claims record on household insurance.
I wouldn't claim anything less than£1500 because of the likely increase in premiums and always go for a high excess.
I can understand why the premiums are so high after 3 recent claims who would take on the risk at what some would see as a"reasonable" premium?.... I wouldn't.

 

[gus-lopez]

and always go for a high excess.

I used to on occasions do that here. Until it was explained to me that the 'excess' applies to each side of a vehicle + front & back, underneath & roof. So a roll over gets you 6 x excess deduction.

 

[TheBig1]

you have to be so wary of the insurance claim scammers, like taking out the brake bulbs and then slamming on the brakes in front of you when travelling at speed. I had an Italian try it on with me years ago. 2 lanes, one to turn right and the other straight ahead at traffic lights, individually controlled. This idiot turns right from the left, straight ahead only lane and bounces off my bull bars. He left his car waving an insurance claim form, so I knew it was dodgy. Fortune would have it that a police car was going past so I flagged him down
Next day I get a call from the station to say the insurance claim would not be going ahead from the Italian, but I could claim off him. No damage to my car, so pointless. It turns out that this chap was on a touring holiday, all over europe, causing accidents well not accidents, collisions and claiming of others insurance or accepting cash to make it go away. Nasty little con man and his type cost us all in increased premiums

Apparently he left the country within a few days and the police could not charge him if not here

 

[Ridgeway]

It probably isn't possible but what about storing the MoHo in a different location with a different postcode that has a lower risk ? as said i assume that isn't convenient but maybe worth paying storage vs a crazy high premium.

 

[GMLS]

I have 4 vehicles to insure, all pretty niche so no benefit in a package cover so I take a view on risk at self insure to an extent. I'm not going to be making a claim unless there is a potential big loss so I opt for maximum excess which brings down the premium substantially on all vehicles. I then have a slush fun for claims, repairs, maintenance etc and use that rather than claiming. Works for me

I do the same with white goods, phones and tv's etc. Don't take out any of the extended cover and have a reserve fund for the occasional need. Again, seems to work over time

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[The Wino]

I have 4 vehicles to insure, all pretty niche so no benefit in a package cover so I take a view on risk at self insure to an extent. I'm not going to be making a claim unless there is a potential big loss so I opt for maximum excess which brings down the premium substantially on all vehicles. I then have a slush fun for claims, repairs, maintenance etc and use that rather than claiming. Works for me

I do the same with white goods, phones and tv's etc. Don't take out any of the extended cover and have a reserve fund for the occasional need. Again, seems to work over time

Me too it must work out cheaper by a fair bit if you're an average risk or the ins co would go out of business. The thing that you really need to insure against is the really expensive ones total loss or public liability.

 

[Rapido925M]

EXCESSES: I always fiddle around with on-line quotes and have often found that the excess does little or even nothing to the premium.

ADRIAN FLUX: Provided the best quote for my Aclass so I bought it but when the documentation came through they would only insure the windscreen to a maximum of £1500 plus I needed an annual gas check (sensible but no-one else demands it) and also two fire extinguishers with certification (sensible? but no-one else demands it). When I rang to cancel (1 hour after paying) they wanted to keep the £25 arrangement fee: I told them that the policy had been mis-sold as limited windscreen cover had not been mentioned and all of my money was refunded.

Gordon

 

[G-RMPS]

I’m with Adrian Flux. Their admin is poor but rates are good. I was unhappy about the limit on windscreen cover but at this year’s renewal they changed underwriter and the new policy appears to cover the full cost of the windscreen.

 

[Zains Pops]

A while back I had a vehicle insurance issue ( Insurers not offering sensible rates )due to too many claims from careless staff van drivers. Local NFU agents were good Offered affordable rates and along with improved management of numpty staff the costs were controlled and we remained an insurable.
another vote for NFU agents

 

[Otter Spotter]

Went through a spell and had 4 excavators stolen of sites mainly around Basingstoke area, could not get insurance for about 3 years had to hire machines and pay the 15% uplift on hire rates to cover insurance
Cost me a lot of money for sure.

Can you not put the van in your wife or children’s name and then go down as a named driver? Thanks

Forgot to add, 3 of the excavators had Trackers fitted, no sign of them!!

If you had another claim and the Insurance company found out that you are really the main driver, you could loose all cover and any claim because you effectively lied on the application.

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