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Insuring an R20 - new owner

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    #16
    I think that so long as you tell the insurer that it is a Romahome campervan then you will be OK, irrespective of what the V5 says. Any self respecting insurer will know that a Romahome is not a plain van but a motorhome. As "all calls are recorded and monitored for security and training purposes" they will not be able to claim that you tried to insure it as a van and not as a motorhome. Just tell them it is a Romahome R20 Campervan, let them give you a quote, if that is acceptable pay it, then orff you jolly well go, as Jimbo would say.
    suivez l'aventure

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      #17
      Thanks Gasgas. Yes they are aware of it being a camper, and say I am covered but only if i can confirm it hasn't been 'modified from the manufacturers specifications'. As far as i can see there are two manufacturers at play here... Citroen and Romahome. Obviously it is vastly modified from the original Berlingo, but not modified if it was originally registered by Romahome. That's where I'm a bit lost.

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        #18
        The insurers are referring to modifications from the Romahome spec as you have confirmed it is now a campervan rather than a commercial vehicle. I added a roof vent to mine which is classified as a modification, but no additional charge on the premium (£175 with Adrian Flux for a 2005 van and 10k miles).

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          #19
          Hi NomadHare, I think your main problem may stem from dealing with (Esure) a company who (from looking at their website) are not a specialist Motorhome / campervan insurer. I have always used specialist insurers for my vans and so far as a modifacation goes my insurers do not stress if it does not make it faster. So when, last December, I telephoned Advance Insurance to say the front of my van had been modified - from standard HiJet to MiniDub look there was no extra charge - this year I am with Adrian Flux and once again the modified front end is not an issue (or more importantly) costing me an excess.
          Jon
          Amor omnia vincit et nos cedamus amori
          https://smallromahome2oldies1largedo...logspot.co.uk/

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            #20
            Thanks Jon. I guess my reason to try and stay as I am is that the quotes I was given from Adrian Flux and one other specialist was almost 3 times what I pay!! Had I done my research before I bought I may not have gone ahead as I can't really afford it in terms of regular out-goings.

            I have now been given conflicting responses from Romahome themselves. One response says that once the van is registered with a motorhome body then Romahome are considered the manufacturer (and therefore there is no 'modification from manufacturers specifications'), but a second employee replied unknowingly to the first to say I must insure with a specialist! It doesn't get any less confusing

            Thanks for everyone's input

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              #21
              You're insuring it as a Romahome, therefore it isn't modified from its Romahome spec. If you were insuring it as a commercial vehicle - then yes it would be modified, but it's been so greatly modified that it is no longer a commercial vehicle. I pay £175 with Adrian Flux and most quotes were a similar figure although some ranged up to £400. Motorhome insurance is generally cheaper than commercial vehicle, but the policies tend to be more restrictive, ie lower mileage allowance (mine is 10k).

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                #22
                Thought I'd comment on this thread in case it is useful to anyone else. Insuring my Roma has not been easy. It turns out it is due to it being my sole vehicle (I dont have access to any other vehicle), and also the fact that it lives on the street outside my house in a city location, I don't have a driveway. Some insurers would not insure it for one or both of these reasons. As a result of these things my insurance has const me £500! Shocking but the sad reality of my situ (Just Kampers). It may make me think about taking her offroad in the winter.

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                  #23
                  I’m in the same situation - Romahome used as my main transport parked on the roadside of a city. I paid £425 with Comfort Insurance including business use.

                  John

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                    #24
                    Our 2002 Duo is our sole vehicle and kept on the drive.

                    We insured her with the Camping & Caravanning Club because a) we were already with them for our previous trailer tent and b) Because we are also members and had previous insurance with them they will continue to insure John into his 80s (he is currently coming up to 78) where we had found otyher insurers reluctant to take us on

                    IT cost £315.84 and includes
                    Legal expenses (£21.43)
                    Breakdown Premium £36.61)
                    Policy fee £12.00)
                    Insurance Premium tax £32.55

                    The last two being what everyone has to pay I suppose

                    The Motorhome policy itself is £213.25 without the additions

                    We also saved massively because we were already using RAC for Breakdown and for the first year we paid for both (stupidly didn't check !!) and so saved something like £200+ this time.

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