Motorhome Insurance in storage or at home
Most of the year we keep our Motorhome in a farmer's field. It has a padlocked gate but that's it.
This year we decided to keep the vehicle at home on the driveway. When I renewed the insurance I was told that I couldn't have two locations so I changed it to "home". The result - £20 extra due to the postcode.
So then the builders arrived and it had to go back to the storage location. Result - a small refund!
In the end the Insurance Company agreed that it was OK to have the storage location as the main address but it could be kept on the driveway for, say, 1-2 weeks at a time for cleaning, maintenance and packing to go away.
So it is a nuisance because I really want to use both locations interchangeably but "the computer" won't allow it.
Anybody else have this problem?
Comments
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The insurance company seem to have accepted both locations and will surely have no idea other than what you tell them (
) as to where the van has been recently, unless you have a black box/tracker......I would just crack on and use it as it suits you.....
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Generally the wording of any policy is where it is normally kept at night e.g. on the road/drive/garage etc. So I guess so long as you tell the truth that it is normally at home or in storage it would be covered if anything happened when it was in the other place.
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Good points. Thanks. Never bothered with the caravan but when you have £60-70k of kit it's a bit different!
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I keep my MH under cover in a dutch barn about a mile away from my house and that is the address I have given my insurers as the garaging address. As I'm sure many people do, I bring it back home a few days before any trip to get it ready and vice versa on my return home.
My insurers (Safeguard) have never been bothered about these arrangements but, when I sought an alternative quote from Comfort a year or two ago, they said they wouldn't quote because the MH wasn't kept at home.
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Interesting Jim. We use Safeguard and all they wanted to know was whether it was private property and what the postcode was. I also like that they cover European breakdown. We renewed with them although they weren't the cheapest.
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