Hi I use Caravan Guard and have done for the last 12 years they give various discounts for approved security devices
Young newbies seeking advice!
- Thread starter Anniee
- Start date
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If you live with parents (as many do) and go on holiday in UK for 2 months, I cant see how that could be a problem.
If you did that repeatedly (6 times per year), how should that be a problem ?
Just overnight at parents every couple of months, check mail etc . . .
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If you live with parents (as many do) and go on holiday in UK for 2 months, I cant see how that could be a problem.
If you did that repeatedly (6 times per year), how should that be a problem ?
Just overnight at parents every couple of months, check mail etc . . .
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In the event of a claim I suppose that If they really wanted to check, then surely your mobile phone (it tracks you 24/7) together with your spending habits (card payments for fuel and food etc) will give them a clue?
- Oct 4, 2022
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Surely an insurance company wouldn’t have the right to check your personal phone and bank records without permission!
You are indeed correct.
However, as we all know, insurance companies will try whatever they can to get out of paying up.
What would happen if they thought the claim was suspicious? Maybe get the police involved?
The police can easily track your online footprint.
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- Oct 4, 2022
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- 328
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- Autosleeper Broadway
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- Since 2021 (previous tent campers)
The police can’t be arsed to attend burglaries or other more serious crimes.
I doubt they’d be interested in using resources to help save an insurance company some money.
Using your van more often than you said you would is hardly crime of the century.
- Oct 4, 2022
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- Autosleeper Broadway
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- Since 2021 (previous tent campers)
But I do think being careful what you post on facebook etc is sensible.
Sort of proves my point
monzer
Free Member
And on here of course where there is a presence from some of the insurance companies.
Linda farley
Free Member
- Jan 6, 2018
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I envy you so much that I can hardly bear to talk to you!! If you try too hard to get everything right the world will gobble you up and spit you out in bits! It’s normal nowadays to live with mum and dad and I think that’s the only way you’ll get full time insurance. Tbh I know pensioner full timers who are living with their kids. Congratulations on your lives so far, enjoy yourselves, see the world and make sure the buggers don’t stop you,
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When we full timed (mostly abroad)we gave my sisters address and got post directed to her address.
it's important to go on the electoral roll because that's how checks are made when you open bank accounts etc which you might want to do at some time.
If you're leaving the UK you could lose your right to use the NHS (sounds mad but it happens). All you need to do though is keep registered at your current doctors or register where your sister lives and don't say that you'll be touring around at home or abroad. Same for the NHS dentist. You'll have to go for occasional checkups or they'll remove your from their list and you'll never get another NHS dentist the way things are going.
You can only get your van MOTd in the UK . They can't do it abroad. So we used to come back for the MOT, dentist, prescriptions etc at the same time. It was nice to see friends and relatives then before we went off again.
I wish I could be doing it all again. I've never forgotten the huge adventure we had. Nothing's ever beaten the excitement of our first channel ferry.
Ask anything you like on here we've all been newbies.
it's important to go on the electoral roll because that's how checks are made when you open bank accounts etc which you might want to do at some time.
If you're leaving the UK you could lose your right to use the NHS (sounds mad but it happens). All you need to do though is keep registered at your current doctors or register where your sister lives and don't say that you'll be touring around at home or abroad. Same for the NHS dentist. You'll have to go for occasional checkups or they'll remove your from their list and you'll never get another NHS dentist the way things are going.
You can only get your van MOTd in the UK . They can't do it abroad. So we used to come back for the MOT, dentist, prescriptions etc at the same time. It was nice to see friends and relatives then before we went off again.
I wish I could be doing it all again. I've never forgotten the huge adventure we had. Nothing's ever beaten the excitement of our first channel ferry.
Ask anything you like on here we've all been newbies.
The 180 days is not the period of insurance but, if I'm correct, the amount of continuous time spent in the van. You would probably need to go "home" for at least one night before the 180 day period. Best of luck with your new lifestyle and don't let any hurdles put you off.
Hi, we sold our house, retired and have full timed for almost 3.5 years. Owing to value of van being more than £125,000 only 2 companies would quote, Adrian Flux and Comfort (we tried AIB, NFU, Caravan Guard etc. but they would not quote). Comfort were the cheapest at just over £2k, which has increased to £2400 this year even though no claims!
I would suggest that your age, number of years driving coupled with the cost of the van will be the issue regarding sky high cost. As with us, very few insurance companies like risk and spending 365 days in a 100k+ van seemed to be a risk too far for most!!
As mentioned above by Stephand John, electoral roll registry is important. Even though we are late 50's, we use our parents place in London as our address.
I can only suggest Comfort to you and hope that you have success with them. If not, would it be possible to have your parents as the insurers and you named or the other way round? Maybe that may help (I know it did with my son when he was under 25) - just a thought.
Good Luck!
I would suggest that your age, number of years driving coupled with the cost of the van will be the issue regarding sky high cost. As with us, very few insurance companies like risk and spending 365 days in a 100k+ van seemed to be a risk too far for most!!
As mentioned above by Stephand John, electoral roll registry is important. Even though we are late 50's, we use our parents place in London as our address.
I can only suggest Comfort to you and hope that you have success with them. If not, would it be possible to have your parents as the insurers and you named or the other way round? Maybe that may help (I know it did with my son when he was under 25) - just a thought.
Good Luck!
Don’t think they offer Full timers cover
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Parents as insurers, That’s treated as fraud by Insurers now and if you claim they will investigate. The reason being that the premiums will have been based on parents being main users of vehicle.
Correct ....it's called 'fronting'.
Is that the same if they were a named driver? As I said, I was named driver on my sons policy and his premiums reduced.
Just a thought about the named driver idea: would this work if they both wanted to drive the van?
HKF
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- Jul 18, 2021
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Bear in mind that many insurance companies will take your payments and happily insure you without checking what you say. Come the day you make a claim, they'll read you the riot act and will use everything to get out of paying, starting with social media and all your lovely posts telling all and sundry where you are and what you're doing. Don't try to mislead your insurer and be careful what you share!
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The young newbies might well be able to put a 'named driver', as one of the vehicle users.
The 'named driver' would then become fully insured to drive the vehicle, but they wont be the main driver of the vehicle. The main driver will be one of the young newbies, and they should choose the main driver carefully.
In this event, assuming that that 'named driver' is one of their parents, or someone else (older and possibly an unblemished driving pattern), then there is a possibility that the premium might be reduced to a more manageable level for the young couple.
Dont forget, one member of the young couple will also have to be a 'named driver'.
For instance...my wife uses our car far more than me. The insurance is therefore in her name, and I am a 'named driver'.
She can drive other vehicles using her car insurance, on a third party basis.
However, that other vehicle must already be insured by its owner.
If that other vehicle is not insured to be on the road, then the flexibility given by my wifes own car insurance to drive another car, does not come into play.
On the other hand, because I am only a 'named driver' on our car insurance, that flexibility to drive other pre insured vehicles does not apply to me.
One more thing, should she die, I cannot drive her car without asking permission from our car insurance company. They could say no and tell me to reinsure the car in my name alone.
I have to admire your morality and honest intentions; however, most people succeed in this world by bending the rules a little, unless that is you are of a certain professional persuasion and then "hey "its do what you can get away with.
With insurance, I always see the “Zero/Infinity Dilemma”
If you make false statements, the insurance company MIGHT not bother checking up on you. If they did and refused to cover you you MIGHT have to pay for that dent or that garden wall. The financial danger in most scenarios is probably close to zero.
But suppose the unthinkable DOES happen.
A horrific accident that causes injury or death in which your liability is disputed. The insurance company could be faced with claims of millions. They will use every legal trick in the book to avoid them. Their shareholders would demand that. The outcome could be decided by the skills of the very expensive lawyers that the company can afford.
While you might describe the intentional giving of misleading statements as bending the truth, a court might describe it as a deliberate lie. That MIGHT void your contract with the company.
All very unlikely and you are unlikely to starve but MIGHT be paying out big settlement instalments for the rest of your life. That’s infinity.
You are gambling Close to Zero against Close to Infinity.
Overstating? That’s the dilemma!
If you make false statements, the insurance company MIGHT not bother checking up on you. If they did and refused to cover you you MIGHT have to pay for that dent or that garden wall. The financial danger in most scenarios is probably close to zero.
But suppose the unthinkable DOES happen.
A horrific accident that causes injury or death in which your liability is disputed. The insurance company could be faced with claims of millions. They will use every legal trick in the book to avoid them. Their shareholders would demand that. The outcome could be decided by the skills of the very expensive lawyers that the company can afford.
While you might describe the intentional giving of misleading statements as bending the truth, a court might describe it as a deliberate lie. That MIGHT void your contract with the company.
All very unlikely and you are unlikely to starve but MIGHT be paying out big settlement instalments for the rest of your life. That’s infinity.
You are gambling Close to Zero against Close to Infinity.
Overstating? That’s the dilemma!
HKF
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The claim doesn't have to involve millions for the insurance company to try and avoid paying out. It's common knowledge that every insurance company now employees people to specifically trawl the internet and go through every recorded call to try and find a reason not to pay, regardless of the value of the claim.
Puddleduck
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I would suggest you get a copy of the policy in advance and read it through very carefully and then comply with the terms of the policy if you take it out.
Yes be a resident at your parents' home (electoral register, GP, dentist, HMRC etc etc all having that contact address).
If the policy covers 90 day trips then make sure you are at your parents' place for a week or so every 85 or 88 days before you set off for your next 85 day trip if that is what your policy allows. You can even ask the insurers how long you need to be home before going on the next trip to ensure the insurance is in place. Make a note of who you speak to and confirm in writing to them. Make sure you can prove you are at your parents' - keep receipts and the like, credit/debit card so you can "prove" you were actually there. Even photos with local newspapers, say at a newsagent or supermarket. You can post that online
- the online trawl can be made to work both ways!
The chances are you won't have a claim but just ensure your bases are covered as you think of hypothetical future scenarios. (It's Friday, that's the last of the big words).
Our first van was a home converted Toyota Hi-Ace minibus grey import and it was a lovely time touring with our young children. Make memories, lots of good memories and cherish them.
Yes be a resident at your parents' home (electoral register, GP, dentist, HMRC etc etc all having that contact address).
If the policy covers 90 day trips then make sure you are at your parents' place for a week or so every 85 or 88 days before you set off for your next 85 day trip if that is what your policy allows. You can even ask the insurers how long you need to be home before going on the next trip to ensure the insurance is in place. Make a note of who you speak to and confirm in writing to them. Make sure you can prove you are at your parents' - keep receipts and the like, credit/debit card so you can "prove" you were actually there. Even photos with local newspapers, say at a newsagent or supermarket. You can post that online
- the online trawl can be made to work both ways!The chances are you won't have a claim but just ensure your bases are covered as you think of hypothetical future scenarios. (It's Friday, that's the last of the big words).
Our first van was a home converted Toyota Hi-Ace minibus grey import and it was a lovely time touring with our young children. Make memories, lots of good memories and cherish them.
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You can have them as named driver and the insurers will look at age related risk, if younger higher, if older(as in you being named driver on his policy) lower
Adding you would, in the underwriters opinion, reduce the risk as you would be a more experienced driver.
The policy should always be rated on the main user, in the OPs circumstances the policy should be in their name.
ambulancekidd
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I do know if it's been covered in this post, but, I undated my Health Insurance, they need to know lots of stuff , when I update mine I tell them any operations, and especially on going health problems , what pills or treatments, and they want to know if your waiting for medical results,and or if your waiting for appointments,, they will tell you while on the phone if they are interested in some of the stuff you tell them, mine then send me a letter saying what is accepted,and what is not, I told them I'm awaiting x-ray until insurance company get my result , they won't insure me only on that particular point , you being young you are probably both in excellent health.
Nanniemate
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Years ago a relative asked me to put her onto their insurance so I called up being their authorised person to pay the additional cost
I was under the impression she was going to fly down once the insurance was sorted.
Unfortunately she changed her mind and travelled by boat that morning. So as she had left the jnsurance could not be taken out. I said she's not left she's flying down
They said no she on the ferry right now.
An Interesting conversation took place once she answered the phone
It started with where are you ?
I was under the impression she was going to fly down once the insurance was sorted.
Unfortunately she changed her mind and travelled by boat that morning. So as she had left the jnsurance could not be taken out. I said she's not left she's flying down
They said no she on the ferry right now.
An Interesting conversation took place once she answered the phone
It started with where are you ?
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