Motorhome insurance

Elsa
Elsa Forum Participant Posts: 51
edited February 2016 in Motorhomes #1

Hi All, We are hoping to buy a motorhome this year, just want to know if it better to insure it on it own or add it to our car insurance, we are with the club car insurance as well, Thanks Elsa

Comments

  • young thomas
    young thomas Club Member Posts: 11,357 ✭✭✭✭✭
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    edited February 2016 #2

    i assime you could use the same company (CC) as your car insurance but not sure what you mean by 'add it to our car insurance'.....

    are you thinking of a multi car policy...?

    AFAIK, MH are usually insured as a totally separate item...ours is, despite it being insured with the same company (Saga) as our car.

  • peedee
    peedee Club Member Posts: 9,389 ✭✭✭
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    edited February 2016 #3

    You will do better to get several quotes from different companies. Its a competitive market.

    peedee

  • Jack Slipper
    Jack Slipper Forum Participant Posts: 38
    edited February 2016 #4

    Just been through the insurance process for the first time.  Will be going with NFU (recommended on here) as pound for pound they offer us the best cover.  They are not the cheapest but there are no hidden extras we can see. They are rated 5 stars on defacto
    and are endorsed by Which. It appears that motorhome insurance is totally different when it comes to no claims discount - you can only bank motor home specific no claims bonus. Have to say of the many many companies I tried NFU were the best to deal with on
    the phone.  Worth giving them a try.

  • Tinwheeler
    Tinwheeler Forum Participant Posts: 23,149 ✭✭✭
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    edited February 2016 #5

    Glad to have helped, Jack.

  • Billyc
    Billyc Forum Participant Posts: 64
    edited February 2016 #6

    Hi Jack,

    I have just used my car 9 yr NCB against my MH insurance, with The Club insurance.    

    Another point for some folk who have a Motability car, most insurers state when quoting that your NCB will be used by Motability, but it is not.    Motability do not discount insurance and do not use your NCB.

    BillC

  • Fisherman
    Fisherman Forum Participant Posts: 2,367
    1000 Comments
    edited February 2016 #7

    Just make sure you get a few like for like quotes before deciding. If you work on the basis "Insurance companies are rake off merchants" you stand abetter chance of a decent deal.

  • Elsa
    Elsa Forum Participant Posts: 51
    edited February 2016 #8

    Hi all Thank for the reply will think about NFU and another one that our friend belong to is Comfort, I think, Thanks Elsa

  • Jack Slipper
    Jack Slipper Forum Participant Posts: 38
    edited February 2016 #9

    Hi Billy C,

    Considered doing that with the 9 years car NCD but it didn't work out economical overall as the car is expensive to insure.  As fisherman says it needs careful consideration.  The acid test with all these policies is what happens when you make a claim. 

  • peedee
    peedee Club Member Posts: 9,389 ✭✭✭
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    edited February 2016 #10

    NFU are reputable insurers and reliable, I'm on my 4th year with them. They paid up, no quibble on a claim made by a third party against me, no quibble.

    peedee

  • Skyerod67
    Skyerod67 Forum Participant Posts: 40
    edited February 2016 #11

    We have been with NFU for all our insurance as we have a croft and have to be well covered.

    They did not flinch when we added our motorhome to the policy.

    Most importantly, they do not quibble if you have to make a claim and local staff could not be more helpful!

     

  • BlueVanMan
    BlueVanMan Forum Participant Posts: 382
    100 Comments
    edited February 2016 #12

    Some years ago I had a correspondence with Lesley Coell the head of Caravan Club Insurance services about the scope of the Clubs motorhome insurance offering. I also had some problems with policy wording which was at that time car derived and had some significant
    anomolies. My main concern was that the cover did not include retrofit items. This could be a £3K satellite system (as an example) so a significant proportion of the value of the vehicle would have been uninsured. Unfortunately the correspondence was terminated
    by CC without a resolution. It might be worthwhile is the Club were to make a statement here about the current status of its offering because my concerns may now be historic and/or irrelevant ?

  • Blackdeath
    Blackdeath Forum Participant Posts: 69
    edited February 2016 #13

    We insured ours with Chaucer Insurance. They provided the best price and way below what the CC quote was for better cover and free 30 day cover for European travel. . As others have said, shop around. Motorhome insurance is very competitive. It's unlikely,
    in my experience, that they will allow a car NCD against a motorhome but others may have other views. You certainly cannot add it to car insurance unless you have a multi-vehicle policy that will allow that. 

  • petertr
    petertr Forum Participant Posts: 199
    edited March 2016 #14

    Adrian Flux were good for me, but agree with everyone else - the more quotes the better.

  • hitchglitch
    hitchglitch Forum Participant Posts: 3,007
    1000 Comments
    edited March 2016 #15

    We collect a new motorhome in three weeks time and I have been phoning around for quotes. My car insurers (Saga) say that they will recognise my car ncd even though the two are kept separate. Unfortunately, they will not quote until the vehicle is actually
    registered. Others will give some credit for car no claims. So far, considering the value of the motorhome the quotes are quite reasonable. Safeguard give a good discount for being a Marquis customer.

    Many so called insurers are just brokers of course e.g. Caravan Club, Safeguard, although I don't see a problem with that.

  • DavidKlyne
    DavidKlyne Club Member Posts: 13,867 ✭✭✭
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    edited March 2016 #16

    When we got our motorhome I could have either used the NCB on the motorhome or keep it with the car. We had previously never owned a second vehicle. In the end we decided to keep the NCB with the car and start a fresh with the motorhome. I went with the
    Caravan Club insurance as they were similar to other quotes and rather strangly I was paying a similar amount for my caravan which the motorhome was replacing given the motorhome was worth three times the value of the caravan!!! The Club did offer a discount
    similar to the NCB but its not protected.

    David

  • ClubMember250538036E
    ClubMember250538036E Forum Participant Posts: 13
    edited March 2016 #17

    As everyone has said get several quotes and check the cover that each offers. Also don't forget that some policies include breakdown/recovery which might be a deciding factor. Don't rely on your normal car breakdown club as some have weight / length limits
    too small for many motorhomes.

    Welcome to the motorhome community.

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