As an Amazon Associate we earn from qualifying purchases

Announcement

Collapse
No announcement yet.

insurance company says i must also have a car...

Collapse
This topic is closed, however please feel free to start a new topic on the subject.
X
X
 
  • Filter
  • Time
  • Show
Clear All
new posts

    insurance company says i must also have a car...

    ...in order to insure my Romahome.
    Question : to what extent can my 'car' be an MPV/Bongo/ camper type vehicle ?

    #2
    This was a problem I initially encountered when I bought my KangooRoo. Insurers wouldn't insure the campervan as my only vehicle so I had to retain my old van as my 'main' vehicle and run and maintain two vehicles.

    This seems to be a standard requirement on many policies before retirement age - but it's worth shopping around to find an insurer with a more flexible outlook and who will permit you to have just one vehicle!

    As I understand it, your 'car' would need to be on a conventional 'car' insurance policy - and this wouldn't be offered on a Bongo or campervan. There are different policies for cars, campervans/motorhomes and commercial vehicles. Campervan insurers like you to have a main vehicle for day to day use then offer a campervan/motorhome policy with SD&P use (occasionally SD&P plus commuting) on the camper and usually match the NCD from the car policy.

    HTH
    Last edited by karenw; 22-06-2011, 12:41.

    Comment


      #3
      We have found 'Comfort' excellent insurers - they seem to do things that the others refuse! We have gone down to one vehicle now and could not get business use covered on the camper van till we talked to them.
      Mary

      Comment


        #4
        Adrian Flux are another company that insure campervans as main vehicles.

        Comment


          #5
          I've insured my Romahome (my only vehicle) with Safeguard. Recommended by Ant.
          Maria

          Comment


            #6
            Yep, Safeguard are good. We've used them for years with our only vehicle being the camper. Very reasonable rates which include breakdown & recovery so saving 80 odd quid a year on RAC / AA cover. They only insure motorcaravans from the largest to the smallest so they understand our needs.
            Had to make a claim once when a concrete post jumped out and bashed the side of our Autosleeper Topaz and it was very easy with Safeguard. If your camper van is a self build then there might be a problem, but I would still try them.
            :jump for joy:Jimish

            Comment


              #7
              Another vote for Safeguard - excellent service when you need them

              Peter

              Comment


                #8
                Safeguard gets my business as well

                Comment


                  #9
                  Being new to this campervan lark, we took the decision to go with a specialist for the first year at least.

                  All the insurers we contacted made a specific point of emphasising "no cover for commuting". Not a problem for us, as my job is in central Manchester and we have a frequent and convenient train service.

                  We also ended up with Safeguard and are perfectly happy, even though we've decided to retain our car, again for this year at least.

                  However, if we had decided to have just the Roma, or do so some time in the future, how would they view Sue's voluntary activities, to some of which she occasionally drives?

                  I'm also curious if they'd define it as commuting when Sue picks me up from work in the Roma to immediately start a trip.

                  Yes, sounds ridiculous, but you do hear of flimsier pretexts being used to disqualify claims!
                  Last edited by Artoo0; 23-06-2011, 16:53. Reason: to correct split-infinitive and spacing - fussy ain't I?
                  Geoff

                  Comment


                    #10
                    Originally posted by Artoo0 View Post
                    Being new to this campervan lark, we took the decision to go with a specialist for the first year at least.

                    All the insurers we contacted made a specific point of emphasising "no cover for commuting". Not a problem for us, as my job is in central Manchester and we have a frequent and convenient train service.

                    We also ended up with Safeguard and are perfectly happy, even though we've decided to retain our car, again for this year at least.

                    However, if we had decided to have just the Roma, or do so some time in the future, how would they view Sue's voluntary activities, to some of which she occasionally drives?

                    I'm also curious if they'd define it as commuting when Sue picks me up from work in the Roma to immediately start a trip.

                    Yes, sounds ridiculous, but you do hear of flimsier pretexts being used to disqualify claims!
                    We kept our car for a couple of years after we got the camper as we could not get insurance for the camper van when we were working.

                    This year, it finally got too much to keep two vehicles on the go, so we made a real effort to get the camper insured for business use. The Caravan Club were very helpful and suggested Comfort Insurance. The premium was good - less than we were paying without business use. We don't use it for business much, but being self-employed, we will probably never completely retire!

                    So, finally downsized to one vehicle, and properly insured.

                    They would cover you for 'commuting' I am sure.
                    Mary

                    Comment


                      #11
                      I had no trouble finding insurance with 'commuting' cover providing this didn't include 'carriage of goods in connection with the policyholder's business'.

                      Insurance companies niggle over small print so the voluntary work might be classed as 'business use' but collecting you from work to start your holiday shouldn't!

                      Comment


                        #12
                        I also have voluntary activities and if I had a claim whilst going to one I would not class it as business, after all, I'm not getting paid for the activity.
                        you can get paranoid about these things. How are they to know what you were doing when you had the "claim"? Going to Aunty Mary's for lunch, or going to your voluntary activity?
                        If Sue is picking you up after work to go on a trip, then that's what it is; after work. When she left home it was for pleasure use.
                        The insurance companies are a bunch of thieves, play them at their own game.
                        :jump for joy:Jimish

                        Comment


                          #13
                          Mine's with C & C C Club Care.

                          I don't recall them asking what other vehicles I have.

                          Comment


                            #14
                            My demountable Romahome pod is too old for the insurance company to insure(so they say) so i have just insured the Suzuki Carry Pick-up for work with a demountable luton pod and swap it for the romahome pod at weekends. (although the Romahome proberbly wont be insured (if i damage it myself) Although its something i am carrying so i would have to see what happened if i mafe a claim. !

                            Comment


                              #15
                              Never heard of this problem before, when we had our Duo as our only vehicle we were insured with Liverpool Victoria with no problem.

                              Hope you manage to find something suitable, some good suggestions so far
                              ____________________

                              Meow is the time to chill with my cat =^..^=

                              Comment

                              320x50 mobile only under posts reg users

                              Collapse

                              728x90 google ad under posts desktop only reg users

                              Collapse
                              Working...
                              X