Shopping around for Insurance

Pippah45
Pippah45 Forum Participant Posts: 2,452
1000 Comments
edited October 2017 in Tips for making Caravanning & Touring Cheaper #1

Today I was sorting my caravan insurance - and as was suggested in a thread about this time last year - I asked for the "best price".  Last year they reduced my premium when I pointed out the caravan was a year older!  This year the chap had to go away and check in the Glasses?  book and again there was a reduction on the quote but he maintained they didn't do that automatically with the renewal quote BUT he also went on to say that they used the book to decide how much they would pay out in the event of a claim.  In other words you could insure your caravan for last years value but they wouldn't pay up!  Pretty cheeky I thought - but typical. 

Comments

  • PrestonDave
    PrestonDave Forum Participant Posts: 67
    edited October 2017 #2

    Works the opposite way round if you have new for old insurance, you have to up the price to the price of a new van or they will only pay out what you insured for.

  • compass362
    compass362 Forum Participant Posts: 619
    500 Comments
    edited October 2017 #3

    Cannot fault Saga , been with them for years on a new for old policy that beats everyone else hands down .👍

  • BrianBrenda53
    BrianBrenda53 Forum Participant Posts: 1
    edited October 2017 #4

    http://www.glassbusiness.co.uk/products-and-services/price-trade-used-vehicles/glassguide-valuations/glassguide-car-price-guide/

     

     

  • Tigi
    Tigi Forum Participant Posts: 1,038
    500 Comments
    edited October 2017 #5

    I use and like SAGA as well they do have a habit like all insurers of hiking the price up each year more than is fair so a bit of negotiating is sometimes necessary.

  • EasyT
    EasyT Forum Participant Posts: 16,194
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    edited October 2017 #6

    And why I stopped using them for our cars. I got tired of the ritual.

  • DSB
    DSB Club Member Posts: 5,666 ✭✭✭
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    edited October 2017 #7

    The Caravan and Motorhome Club caravan insurance may not be the cheapest, but I have found them excellent when it comes to making a claim.  I have heard folk who have had problems in claiming from various insurance companies, but when we had to make a claim when a van of ours was stolen, they dealt with the claim sensitively, efficiently and very fairly.  They may not be the cheapest, but I wouldn't use anyone else.  Just my personal experience.

    David 

  • dmiller555
    dmiller555 Forum Participant Posts: 717
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    edited October 2017 #8

    I started using them but when we changed our van I got a quote from the C&CC for the same new for old cover and changed to them. 

  • brue
    brue Forum Participant Posts: 21,176 ✭✭✭✭✭
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    edited October 2017 #9

    We did too, the price hikes with Saga were ridiculous. We now insure several things together at a reduced rate with another insurer. However we use the club for the van as the rates are good.

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited October 2017 #10

    When I cancelled the insurance at the end of probably 5 years with Saga I phoned up before receiving renewals and informed them that I would not be renewing either policy and to send me full no claims details for my records.

    Had we received our renewal figures yet?

    No.

    Did I wish to know what they were?

    Go on then I'm game for a laugh.

    £........................................................

    Yep now I am reminded of why I am cancelling.

    Did I wish to speak to a customer relations person (or whatever they are called)

    No thanks!

  • SteveL
    SteveL Club Member Posts: 12,299 ✭✭✭✭✭
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    edited October 2017 #11

    I get fed up with insurers continually trying it on. Trouble is they all seem as bad as one another. So you move your business because you get fed up and then the new insurer does the self same thing.  

    Recently renewed our car insurances with Churchill, renewal quotes were ridiculous. Phoned up and wife's was reduced by £100 mine by £160. That brought them into line with other providers. In any other type of business, doing that sort of thing would be considered extortion.

    I did consider moving my business to teach  them a lesson, but that is more work for me, so decided to take the easy option. Oh there excuse for the ridiculous figures " they are computer generated" perhaps it just thinks of a number and doubles it.😂

    So far with the CAMC caravan insurance we have be OK with the renewal quotes.

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