Caravan Home and Contents Insurance

Tammygirl
Tammygirl Club Member Posts: 7,957 ✭✭✭
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edited June 2020 in Club Products & Services #1

We are currently covered by the C&MC for the above insurance. A few days ago OH went onto the website to check what it would be for this year's cover. 

Today we got the renewal notice through for £24 more than the quote off the web, now its not a big difference but he called to see why there was a difference. It would seem that there is a £15 renewal fee surprised the rest (£9) couldn't be explained. 

Guess we will not be renewing then but taking out a new policy. 

This club just gets better at treating its members like fools.

Comments

  • EasyT
    EasyT Forum Participant Posts: 16,194
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    edited June 2020 #2

    A £15 RENEWAL fee for clicking a few buttons is bizarre. OK some companies discount new business but to market a renewal fee seems plain daft. 

    Somebody is loosing the plot in the club hierarchy 

  • SteveL
    SteveL Club Member Posts: 12,300 ✭✭✭
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    edited June 2020 #3

    With things like car insurance, if you can get a cheaper quote from their site, than what the renewal quote is, they will honour that. It seems strange that they won't do that to secure the business.

  • Takethedogalong
    Takethedogalong Forum Participant Posts: 17,033 ✭✭✭
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    edited June 2020 #4

    We always shop around for home and contents, often get lots of money off. LV are usually very good👍

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited June 2020 #5

    My thoughts ET, we have just taken out a new policy starting from when the old one finished. Silly idea taking a renewal fee.

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited June 2020 #6

    You would think so Steve but the girl was not for honouring the online quote so what can you do undecided

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited June 2020 #7

    We had done the shopping around bit TDA, we want the 90 days out of house cover, the club to be fair, came up with a good quote. Just a shame that the renewal was more than the online quote and they wouldn't honour it, so took out a new policy.

    Never mind just worth me posting on here in case anyone else is in the same boat. When I took out the new insurance I was asked did I want to just automatically renew next yearsurprised that would be a NO laughing 

  • JVB66
    JVB66 Forum Participant Posts: 22,892
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    edited June 2020 #8

    We get a really good home and contents from a source we never though about 

    The Salvation Armycool

  • DavidKlyne
    DavidKlyne Club Member Posts: 13,857 ✭✭✭
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    edited June 2020 #9

    It's always puzzled me why you are charged a renewal fee. It's probably because the insurance is done through Devitts. Do Devitts not get a commission from the insurance company? I suppose at the end of the day you have to go by the total renewal figure compared to other quotes, whilst some companies might not mention a renewal fee it could be buried somewhere?

    David

  • KjellNN
    KjellNN Club Member Posts: 8,665 ✭✭✭
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    edited June 2020 #10

    We had the same with car insurance a few years back, OH rang to say we would not be renewing, when asked why, she said she objected to paying the additional renewal fee, so they removed it!

  • Tammygirl
    Tammygirl Club Member Posts: 7,957 ✭✭✭
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    edited June 2020 #11

    Tried that Kj,  just got told couldn't do anything about it. We told her to just stop it at the end of its life and we would take out the quote we got on line. Have to say she didn't seem surprised or bothered about it. Just seems such a strange way to do business, never come across a renewal fee before.

  • KjellNN
    KjellNN Club Member Posts: 8,665 ✭✭✭
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    edited June 2020 #12

    No, neither had we.  OH had shopped around, and the premium was good, but the renewal fee took it to more than the next best quote, plus that policy had a higher excess, so we thought it was worth a try.

  • GTP
    GTP Club Member Posts: 535 ✭
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    edited June 2020 #13

    We have just changed our tow car and went to amend 'online' the insurance policy. Wouldn't let me do the amendment..'please contact a sales adviser'. No phone contact only web chat. Long story short, adviser says existing company will not cover us for that vehicle..The new Shogun Sport..Thats the long story as i could not understand why..

    Eventually the adviser gave me a new quote with another company at an increase fee, I could understand the increase as the new car is slightly higher value..Being internet savvy my OH was looking up the comparison sites at the same time looking for a quote..Surprise.....all were in the region of £200 cheaper. including the existing company (who would in fact insure us, contradicting what the adviser told me ). 

    Needless to say we cancelled the existing policy...and after a conversation with the dealer who sold us the car..he told us it was down to commission on new products, amendments and renewals do not attract the same level of commission. 

    I am also still in conversation with Red Pennant business manager who is still in 'negotiations' with the insurance company as to whether we will get a 'refund', 'deferment' or 'freeze' of the Annual Policy. See latest reply below:

    I would like to apologise for the delay in contacting you regarding your request for either a refund, extension, deferment or freeze of your current Red Pennant policy. We are still in discussion with the Underwriters, Astrenska, with regards to what exactly can be applied and aim to contact you with an update as soon as we are able. Please be assured that the Club are working hard to protect the interests of our members.

     As soon as we have an agreement in place we will update you with the options available.As always, we want to ensure that all Red Pennant policy holders receive the very best service from the Club.  We very much appreciate your patience in waiting for an outcome to your policy query.

  • stevie7
    stevie7 Forum Participant Posts: 1
    edited June 2020 #14

    Hi 

     has anyone had their quotation to renew their caravan insurance ( club insurance) was really disappointed to see the price had only been reduced by THIRTY SIX PENCE I thought I’d read a comment saying they would be looking at seeing if they could give customers a little back I don’t think majority of customers not even been inside their vans or camper never mind used them.

  • Wherenext
    Wherenext Club Member Posts: 10,586 ✭✭✭
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    edited June 2020 #15

    It could still have suffered a total loss by a lot of the insured causes, such as Theft or Storm Damage, Fire, Lightning strike etc. so the club has still had exposure for the unit. 

    There isn't a mechanism with any insurer that I've come across that gives discounts on Caravan Insurance for reduced usage. Some members use their caravans for over 200 nights per year, some others for just a fortnights holiday yet the Insurer treats both the same.

  • eurortraveller
    eurortraveller Club Member Posts: 6,828 ✭✭✭
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    edited June 2020 #16

    Even I, with limited skills, can run through comparison sites for car, caravan, breakdown/ recovery,  house, contents and travel insurances - and compare with renewal prices from whosoever I am with this year. There was only one I didn't change last year. 

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