A-class insurance
I have been researching the good/not so good points regarding changing from a caravan to a motorhome. I am guessing that the insurance premium will probably equate to somewhere near the joint premiums I pay for my car and caravan. I appreciate that many factors affect premiums. However, looking at a video of someone who had an a-class motorhome, it was mentioned that replacement windscreens can be £5K plus.......ouch!!! If this is the case, do insurance companies tend to load a-class motorhomes because of this, and if the worst happens where you cannot drive due to a broken windscreen, can replacements be found relatively easily or is it a case of weeks to wait? Perhaps I am overthinking it? If you own an a-class I would be interested in your thoughts/experience. Thanks in advance.
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I am pretty sure that all insurance companies factor in the risks with all policies. I think there have been one or two people on this forum who have had to have windscreens replaced on A-Class motorhomes. Whether the risk of it actually happening is greater on an A-Class is difficult to say. Another issue might be that you would have to wait longer for a replacement. I suppose one of the advantages of going for a coach built is that they use standard windscreens on vehicles where there are hundreds of thousands of examples on the road. If you have a particular brand/model in mind you could always contact the maker/distributor to check on availability. Good luck with the change from a caravan to a motorhome.
David
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A Class windscreens can be eye wateringly expensive. I have no knowledge of them breaking more or less than others or that they are more or less difficult to obtain. Most MH's don't cover large mileages and therefore spend less time on the road than most large commercials. Possibly the number of breakages is therefore less. In the UK Autoglass have teams that specialise in large windscreen replacement. It is worth making sure the insurance companies you check out cover the full replacement cost as I believe some set a maximum. Rumour has it that Devitt (CAMC) can be less than helpful. We use NFU Mutual not the cheapest nor the most expensive but decent and reliable with no limit on replacement price.
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We had an A-class Hymer some time ago. And had not 1, but 2 windscreens replaced. Both incidents happened in France; one was a small stone which we actually saw coming off a van tyre travelling in the opposite direction. It hit the centre of the windscreen and produced a crack. The other time was travelling (very slowly) along a resurfaced road, where again a stone from the car in front hit it with the same result.
This is around 10 years ago, we were insured with SAGA, and then the windscreens cost around £3000. We had no problems claiming at the time, SAGA were very good. Possibly A-class windscreens have a bigger target area, although we also had a new windscreen fitted on a coachbuilt many years ago.
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Yes, the windscreen is expensive and you need to ensure your insurance covers the cost. I was told mine was £3,000 (2015) when a lorry spat a stone into the glass. I've had A-classes since 2000 and had this one claim. Depending on the make of A-class, you should get a replacement windscreen within a couple of days in England.
Windscreen chips can be fixed by the experts..
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I bought an A class in August, never though about the windscreen aspect, but checking my insurance with Caravan Guard, it says all windscreen and body glass claims has £100 excess. My policy has gone up but they said it's due to the increased value of the vehicle. Hopefully I'll never find out.
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The expensive windscreens might affect your premiums. It depends if the insurer has had enough windscreen claims to affect their statistics. Possibly the number is so small it has no noticeable effect.
Premiums are based almost entirely on statistics, if a problem arises the company may check through the claims to find the cause.
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