Motorhome and Car Insurance

vbfg
vbfg Forum Participant Posts: 504
100 Comments
edited February 2016 in Caravan & Motorhome Chat #1

When I bought my motorhome I did not realise that I could not add my motorhome to my car policy.  My car insurance is due at the end of the month.  Are there ANY companies out there that insure both on the same policy?

Comments

  • cyberyacht
    cyberyacht Forum Participant Posts: 10,218
    1000 Comments
    edited February 2016 #2

    Admiral do multi-vehicle policies. Whether they would cover such different beasts, I wouldn't know but worth a call I would think.

  • huskydog
    huskydog Club Member Posts: 5,460 ✭✭✭✭✭
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    edited February 2016 #3

    Some times multi-vechical policies can work out dearer than two separate policies...........................

  • DavidKlyne
    DavidKlyne Club Member Posts: 13,867 ✭✭✭
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    edited February 2016 #4

    I would imagine that a motorhome policy is very different from a car policy because of all the habitation equipment? When we changed from a caravan to a motorhome three years ago I was a bit shocked that I would have to start as a new policy holder as we
    had never owned a second vehicle. We eventually insured the motorhome through the Club and they allowed a discount equivilent to the no claims bonus. I should say there was very little difference in the price for the motorhome compare to what I used to pay
    to insure the caravan, also with the Club. The only problem is that its not protected. When I downsized the car I initially kept my original vehicle insurance but then changed to John Lewis Insurance where I got a particularly good deal.

    David

  • Tinwheeler
    Tinwheeler Forum Participant Posts: 23,150 ✭✭✭
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    edited February 2016 #5

    When I bought my motorhome I did not realise that I could not add my motorhome to my car policy.  My car insurance is due at the end of the month.  Are there ANY companies out there that insure both on the same policy?

    NFU will, vbfg. Full NCD is awarded on one vehicle and a discount on the second while it then starts to earn its own NCD. Both now have protected NCD. We found a reluctance on the part of some insurers to cover MHs. 

  • Wildwood
    Wildwood Club Member Posts: 3,585 ✭
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    edited February 2016 #6

    Given the fairly low number of motorhomes compared with cars many insurers do not have sufficient statistics to rate them so avoid them. They are very different and motorhomes get a specialist policy which is why you will find it difficult to get them both
    on one policy. I would check with the club to see what they can do and also buy a motorhome magazine and check with the firms advertising in there. 

    Provided you have a clean car driving record I would hope you would get a new owner discount.

  • Grumblewagon
    Grumblewagon Forum Participant Posts: 246
    edited February 2016 #7

    When I was working and needed my own car, some companies wanted me to take a new policy, obviously grabbing more money by applying the NCD to the vehicle and not the driver.  I asked around and found that plenty of companies would give me the same NCD as
    the van, so I bought a policy from one of them. Note that this was some years ago.

    Now we're retired, I own our motorhome and my wife owns the car.  We are named drivers on each other's policies, so that works fine.

  • Unknown
    Unknown Forum Participant
    edited February 2016 #8
    The user and all related content has been Deleted User
  • Biggarmac
    Biggarmac Forum Participant Posts: 364
    100 Comments
    edited February 2016 #9

    I got the best price from the C&CC when I changed to a motorhome.  I already had a small car and the towcar insured with full NCD through Saga.  When I changed to a M/h the CC was going to charge me extra as I had not had a M/H before.  Saga was mega expensive. The C&CC gave me the best deal for linked policies for the small car and M/H. I am on my own so both policies are in my name.

  • Loansman
    Loansman Forum Participant Posts: 6
    edited February 2016 #10

    We recently sold our caravan and bought a motorhome,when I filled out the insurance application giving all my details including that I also had a car ( meaning I would only be using m/h for pleasure)I was disappointed to discover the ncd can only be applied
    to one vehicle my policy increased by £100!

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