Car insurance

paulxglinys
paulxglinys Forum Participant Posts: 2
edited September 2019 in Caravan & Motorhome Chat #1

Does having a claim for a caravan theft.affect your car insurance.

 

Comments

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

    As caravans are not registered and prospective customers are only asked about car claims and accidents I see no way that there can be influence.

  • JVB66
    JVB66 Forum Participant Posts: 22,892
    1000 Comments
    edited September 2019 #3

    If it was stolen from your house, the address may be on the national? insurance companies website and could I suppose increase your premiums as a more "at risk"area 

  • Wildwood
    Wildwood Club Member Posts: 3,581 ✭✭✭✭
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    edited September 2019 #4

    You need to read the renewal notice when it arrives. If it says you must notify any insurance claims or losses without mentioning cars then you should declare it, if it simply relates to motoring losses no need. I doubt it would affect your premium for the car but do not know which motor insurer you have.

  • obbernockle
    obbernockle Forum Participant Posts: 616
    500 Comments
    edited September 2019 #5

    If the claimant address is recorded on a national data base listed under the post code then it could. The data base is in the custody of the insurers and insurers operate in all sectors. They will use the data for their benefit. 

    Look at the worst case scenario from the insurers point of view (I know), if a serial claimer is to be spotted the insurers may avoid them that way.

    It would be unfair of coarse but that wouldn't stop them doing it.

  • TonyBurton
    TonyBurton Forum Participant Posts: 269
    edited September 2019 #6

    For me it worked the other way round. Our caravan was burnt to the ground by thieves. My insurer, Caravan Guard was happy for me to insure my replacement with them, although their strict rule about storing the caravan with an axle lock was not practicable on my storage site. On shopping around many insurers would no even give me a quote when they heard of my recent claim. However my car insurer (LV) were happy to give me a reasonable quote on the basis that I had not had a claim on my car insurance.

  • obbernockle
    obbernockle Forum Participant Posts: 616
    500 Comments
    edited September 2019 #7

    Its good to hear that actual experience. 

  • Wildwood
    Wildwood Club Member Posts: 3,581 ✭✭✭✭
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    edited September 2019 #8

    Other insurers may take a different line.

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