Motorhome Insurance

[Rodders1234]

Has anyone had to claim using Comfort? They have given me the best quote but I am not sure how good they are if you need to claim. Strangley they do not use NCD years but said they would hold a letter with it on. This worries me as if the NCD expires then Comfort have got you as a captured customer. They do give 5% discount if you subscribe to mmm magazine. Thanks

 

[TerryL]

I used Comfort for 8 years and always got a good deal, premium only ever increasing by a small amount. But this year the renewal figure was substantially more but as I needed to make some amendments, to valuation and annual mileage, I rang them. No change to premium, guy actually didn't seem all that interested.

So I started the merry-go-round and, to cut a long story short (it was a somewhat frustrating day), I eventually ended up with Saga who actually offered me better cover at the same price I paid Comfort last year. But the clincher was that Saga didn't charge for Morocco cover whereas Comfort wanted £280!

Over the last few years I've watched all the insurance posts with interest and have come to the conclusion that there is a total lack of consistency in quotations, even with the same underwriters. I still think overall Comfort probably offer good deals, but this year was not my turn. Shame.

 

[Mike Waterfield]

I have used Comfort for a few years now, I recently had a cracked windscreen (A class) had no problems other than those created by this pandemic, the renewal came through about £50 up on last year. Excess for screen was £75

 

[Nasher]

I renewed mine via Adrian Flux yesterday

This was the first time the quote had gone up significantly since I've owned the van (4 years) a phone call them and I got it for the same as last year, via a different insurer - sorted

Just as a reminder, many policies no longer offer 3rd party cover to drive 'vehicles not belonging to you or not hired to you etc.' If you need that cover (as I do) then make sure it's included

 

[pandas]

just another word of caution for those with an 'A' class just make sure in the conditions they have sufficient for the windscreen replacement. Safeguard was unlimited a year ago.

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[Rodneyplonker]

Is it worth having breakdown cover if you have a new vehicle? My new van is fiat based and I think it includes 2 years a Europe wide cover.

 

[Paul Henshaw]

Hi All - its that time of year coming again and just wanted to ask which companies do you all use for your motorhome insurance ?

Also do you insure personal items separate on your policies as many policies don't cover the full value e.t.c

Many thanks Chris

WOW... two written threads in 3 months and two in 5 mins...

motorhome insurance.
Ok I have been reading on this site over the last few weeks about insurance.
I have been reseaching...
2GI
Adrian Flux
Club insurances
Shield Etc... i'm sure the list goes on.... and we can all tell us other companies

What I Did come across today was something like the words ~Non Accrual

What happened was,
I had been recieving general quotations of the same price....
then out of the blue there was a company that offered everything I wanted but like ... so much cheaper.
I offered 2 years NCB in my quotation and they wanted proof.
They wanted proof of NCB... So I approached my old company from last year and asked them as they had asked me the previous year for proof of NCB....... They sent me the details of my last year's details... but stating this Non Accrual..... which effectively means.... I received cheap insurance as the policy did not accrue an addition years NON CLAIMS....
...So though effectively I had 2 years NCB... the insurance quotation would not accept the non accural from last year and would not accept the year before which was accural.....
so because of the cheaper quote I was not entitled to NCB......
I asked was this NCB then an actual premium....? and an addition to the cost of insurance...
I asked what NO CLAIMS BONUS ACTUALLY MEANT.... If i hadn't claimed why should I not qualify for NCB

I questioned these facts which was referred to some underwriter that came back to me 10 minutes later and took £1 off the total..... for the 1 years NCB...

Please be aware and cautious of cheap insurance quotes....
I am 50 years old and have not claimed for insurance for over 8 years.....
these companies are like sharks.... check small print and ask about accrual and non accrual quotations..

 

[Rodneyplonker]

I have been with Comfort for the past 4-5 yrs and have found their quotes pretty much consistent. However the last quote around 15mths ago (sold van last year) was about £100 dearer yet, I had 9 yrs NC? I shopped around a bit but eventually rang them and expressed my disappointment. the woman I spoke to told me to hang on while she investigated. When she came back on she said it had been an admin error and that, it was still the same as the previous year. Hmmmm... Make of that what you will! I will always query any Unusual future quotes from now on!

 

[138go]

NFU