Insurance moan!

[Gingernuts]

Just renewed my van insurance, £150 increase in price BUT now no driving other vehicles, ( now can’t use the garages courtesy car when the van is in getting work done) increase of excess from £200 to £800
So pay more get less

Just bought a Burstner aviano dreading getting insurance for it( not got it yet)!
Any tips?

 

[repairer]

Surely the courtesy vehicle will be covered by the garages insurance.

Absolutely not, 99% of CC provided direct by a body shop is funded by the body shop, NOT by any insurer, exceptions are non fault accidents (someone hit you)

When I ran a large body shop in the Leeds area I had 55 courtesy cars, entirely funded by me, not the insurer.

Best course of action if hit by another driver is to contact a reputable None Fault claims company, you will get a like for like car (not sure how it would work with a MH) there is no need to pay your excess, in a claim direct to your own insurer it requires you to pay your excess then claim it back.

 

[Bolti]

Absolutely not, 99% of CC provided direct by a body shop is funded by the body shop, NOT by any insurer, exceptions are non fault accidents (someone hit you)

When I ran a large body shop in the Leeds area I had 55 courtesy cars, entirely funded by me, not the insurer.

Best course of action if hit by another driver is to contact a reputable None Fault claims company, you will get a like for like car (not sure how it would work with a MH) there is no need to pay your excess, in a claim direct to your own insurer it requires you to pay your excess then claim it back.

Confused by your reply.

If I take my van in to have, say, its timing belt changed and I am offered a courtesy car whilst the work is carried out. The Courtesy car is only insured by my own insurer and not the garage that owns it?

 

[VXman]

Morning all,

I have just checked with comfort and the breakdown cover covers up to 20T and 12 meters, my apologies for giving the wrong information about Comfort, bear in mind there are restrictions wit some companies so worth checking. For me, Caravan guard were still £100 cheaper than comfort.

Probably 7.5 metres in Europe. Mine with Nation3wide is unlimited in UK but 7.5 metres in eu

 

[VXman]

Confused by your reply.

If I take my van in to have, say, its timing belt changed and I am offered a courtesy car whilst the work is carried out. The Courtesy car is only insured by my own insurer and not the garage that owns it?

I would say by the garage - otherwise i am sure they would be asking you for proof you are covered. They would be taking a big risk otherwise. A body shop may be different as they are dealing with your insurer - maybe they have an arrangement?

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[The Wino]

I'm always wary of offers of a loan car by insurance claim handlers who's going to pay if the claim is contested and does it increase the claim value if it was my fault with a bigger effect on future premiums? In general life has taught me that nothing is free!

 

[Jon Stewart]

Probably 7.5 metres in Europe. Mine with Nation3wide is unlimited in UK but 7.5 metres in eu

Nationwide is max 7.5t and under 8m in Continental Europe
Page 22

https://www.nationwide.co.uk/-/assets/nationwidecouk/documents/current-accounts/insurances/flexplus/p4000-flexplus-breakdown-insurance-policy.pdf?rev=a4111e71cbad43199fb9b71d04bc310a

 

[repairer]

Confused by your reply.

If I take my van in to have, say, its timing belt changed and I am offered a courtesy car whilst the work is carried out. The Courtesy car is only insured by my own insurer and not the garage that owns it?

Absolutely, yes your own insurance covers the CC, but the actual car is provided by the repairer, it is nothing to do with the insurer. If there is an insurer involved, if just a mechanical/service then it is entirely down to the garage as to if you receive a CC. (Not sure if some manufacturers are now providing CC on warranty repairs, certainly were not when I ran an aftersales dept for large manufacturers.

Maybe I misunderstood the original post, point I was trying to make is that the car(generally) is owned by the repairer, it is nothing to do with an insurer, but you are correct, in nearly all instances for the duration of the use off CC the drivers insurance is used to cover the CC

 

[Dolmen]

I store our MoHo in a secure storage site, perhaps that helps? Defo wouldn’t want it stored at home, apart from anything else it would be in the bloody way all the time!

This is also an interesting area. I store my van in a Platinum CaSSOA site (not many I’m led to believe) and the difference vs storing at home was only £15 with comfort. Not sure why I had expected it to be a larger discount

 

[PaulW2]

There are aspects of the insurance market that are dysfunctional.

For instance, you may need a car because of where you live. And you may have a car, duly MOT'd. Your driving licence may be up to date. But you aren't legally allowed to drive the car without insurance. And whether you can get insurance depends on whether some company chooses to sell it to you. Unlike many of the other essentials there doesn't seem to be a mechanism to ensure you can get insurance.

Individual insurance companies have great freedom to pursue profits as they shape and reshape their market strategy.

They can decide that they prefer to de-emphasise certain market segments (by increasing prices or simply declining cover), avoid certain geographical areas or age groups, dramatically increase prices for customers who have greater 'inertia' and won't move irrespective of price, change substantial elements of their offering at will.

Regulation can, and does, compel insurers to change their behaviour. It changes the landscape within which they operate. An example was when they were forbidden from charging young men higher premiums than young women (fairly or unfairly, at the time in response to EU regulation).

But the regulators do mainly seem to be insufficiently attentive to the social needs that insurers need to fulfil for a group who are obliged by law to buy their products. Obligations to existing customers, limits on price increases, restrictions on unilateral changes to terms, requirement to provide an alternative, need for someone to be insurer of last resort? It doesn't look like anyone is paying attention.

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[VXman]

Nationwide is max 7.5t and under 8m in Continental Europe
Page 22

https://www.nationwide.co.uk/-/asse...e-policy.pdf?rev=a4111e71cbad43199fb9b71d04bc

Right, 8 metres not 7.5m. - sorr...dth limit of 2.55 but no length limit stated.