Club Car Insurance

BevJ
BevJ Forum Participant Posts: 5
edited August 2019 in Club Products & Services #1

 

Having recently been notified of my car insurance coming up for renewal, I was surprised when I received the quote for the following year (Aug. 2019/20).

It was the first time I have used the Caravan & Motorhome Club for car insurance. In the past they have been too expensive. But last year they came up trumps when I wanted to insure my Ford Kuga at £365.00. So I took out the policy. During the year my wife had a mishap with the car and reversed into a post whilst manoeuvring. This resulted in a claim costing around £1000.00. First claim in a clean driving career of around 40 years. So when I received the quote of £985.00 for the following year, I could not quite believe it. I rang up Devitt (the clubs insurance brokers) and questioned the amount. The reply was, it was due to this claim and they could not do anything to adjust the price. I noticed that L.V were the company Devitt were using. Noting this, I went direct to L.V. declaring the mishap and received an on line quote of £434.00. So it seems to me Devitt were after making a handsome profit out of my wife’s mishap.  Needless to say I am not using the Caravan & Motorhome Club insurance, now or ever again.

 I thought we were supposed to receive preferential rates for  Caravan & Motorhome Club members for using their services, or am I wrong.?

I have since gone with Swiftcover at £370.0 with similar benefits and only £350 excess instead of £400.

I just wondered if other members have had similar experiences.?

Comments

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited August 2019 #2

     This resulted in a claim costing around £1000.00. First claim in a clean driving career of around 40 years. So when I received the quote of £985.00 for the following year, I could not quite believe it. I rang up Devitt (the clubs insurance brokers) and questioned the amount. The reply was, it was due to this claim and they could not do anything to adjust the price.

    I take it that you had not lost your No-Claims Discount due to the accident?

  • BevJ
    BevJ Forum Participant Posts: 5
    edited August 2019 #3

    I have protected NCB on the policy

     

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited August 2019 #4

    In that case it does seem P poor! I pay £170 a year for X-Trail with RAC

  • BevJ
    BevJ Forum Participant Posts: 5
    edited August 2019 #5

    That's seems a really good price. I've never been able to get a quote below £300 in the past.with a clean driving record.  

    .Which company is that with?

  • BevJ
    BevJ Forum Participant Posts: 5
    edited August 2019 #6

    I meant does the RAC act as a broker? Also are you an RAC member.?

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited August 2019 #7

    Just checked. Memory was out slightly it was £178 with  Insurer
    CIS General Insurance Limited through RAC with 60 days EU cover and £300 excess with protected no claims. 

    Not an RAC member as I use Mayday from Greenflag through CC

  • Tammygirl
    Tammygirl Club Member Posts: 7,958 ✭✭✭
    2,500 Likes 1000 Comments
    edited August 2019 #8

    We checked out the club's insurance for our new car, it was 3 times the amount of Saga. 

    We have not found the club good for either car or caravan insurance in quite a few years now, we always check but its just not competitive.

    Some companies are a little cheaper than our Saga policy but they don't give us the amount of European cover that we require. Also Saga haven't messed us around trying to get a green card.

     

  • JVB66
    JVB66 Forum Participant Posts: 22,892
    1000 Comments
    edited August 2019 #9

    We shop arround for most of our insurance each renewal, last year the best we found was Halifax bank via co.op,this year going via the co.op direct it was £40 cheaper ,with £50 of co.op food vouchers in 5 £10 voucherssurprised

  • MalcMc
    MalcMc Forum Participant Posts: 71
    First Comment
    edited August 2019 #10

    We have just added my Wife's car to Devitt, which did save us, but noted Bev's advice, always pays to shop around.

  • BevJ
    BevJ Forum Participant Posts: 5
    edited August 2019 #11

    Thank you for all your responses.

    I find it never simple nowadays to find good reasonable car insurance. Always having to chase around for quotes. There was a time, back in the 70's & 80's when I stuck with the same insurance broker year after year. Always receiving a quote near or sometimes cheaper than the previous years premium.

    How times change. !! Or is it me in my advancing years!!!!!!

  • EasyT
    EasyT Forum Participant Posts: 16,194
    1000 Comments
    edited August 2019 #12

    'Back in the day', before it was sold on, I was with direct line who were excellent at that time. Some 23 years ago when I was widowed I used to use my late wife's car in Summer as it was fine for towing the caravan and an older, heavier and more powerful car in the winter. The deal was that instead of receiving a refund on the fully comp car insurance whilst each vehicle was garaged and not in use Direct Line would simply suspend the insurance for the 6 month period out of use whilst still giving F.O.C. cover for accidental damage and fire. 

    I have used RAC as brokers for at least 6 years and their charges have not increased as the usual practice amongst some brokers. Slight increases and some drops

  • Wildwood
    Wildwood Forum Participant Posts: 3,579
    1000 Comments Photogenic
    edited August 2019 #13

    I would have asked for an explanation of the increase as it looks wrong. Do not take the cheapest quote though, I would have taken the LV figure as they have a good reputation for their claims service, and are one of the companies I would be happy with.

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