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    Confused.com

    As some will know we are looking to change from a folding camper to a SMH. Well we are in the final throws of financing a Nu Venture Rio and thought to look at the insurance page..... man am I confused. I have checked with the free DVLA checker on the registration and its coming back as an "N1" classification. Do I insure this as a van or a small motor home when the time comes.

    #2
    Ours is a Romahome Duo and on its DVLA document it is classed as N1.

    Some on here would want to re-register because N1 classification restricts your speed on motorways but that doesn't bother us.

    We are insured now with the C & CC as they will insure my John through his 70s and into his 80s.

    In order to re-register the van you would have to submit photos to the DVLA showing that the van has a fixed bed, sink, fixed stove and "fixed" table but apparently it is an easy process

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      #3
      Hi I have looked at the V5 for my Nu Rio (2016) and it shows body type as Motor Caravan, taxation class as private/light goods. There is nothing along side J vehicle category.
      I don't know if this is of any help to you.
      Good luck with your new purchase!
      Gill

      Comment


        #4
        Old Hobbit: just tell the insurer that it is a Nu Venture Rio camper. Simple.
        suivez l'aventure

        Comment


          #5
          And you need to contact specialist motorhome insurers rather than car comparison sites. There are a few that give a discount for members of this forum.

          http://www.smallmotorhome.co.uk/special-offers.html

          Comment


            #6
            Thank you for the reassurance, I had a horrible vision of not being insured should I have needed it. Once we are happy that all our finance etc is in place, we will start the search and make sure we are covered by the time we hopefully pick her up. I will definitely be looking at the offers page on here, thanks for the tip.

            Comment


              #7
              Hi there, I hope you don't mind me piggy backing here a little. I too have questions about insurance and didn't want to start a brand new thread.

              I've just bought a 2003 R20 Hylo and I am brand new to the world of motorhomes. I'm very confused about insurance and classification. On the V5 she is classed as private/light goods vehicle with the body type as Motor Caravan, similar to Clarina. For now I have contacted my insurer (Esure) who were insuring my regular berlingo, and they have taken the details and I've paid the slight increase to insure her as a van.

              Should I say 'yes' when asked if there are modifications? I'm not clear whether they are manufactured like this before registration. The fact it says her body type is motor caravan, then do the insurers have all the detail they need?

              Before I bought her I contacted Adrian Flux, but they quoted almost 3 times as much as i pay!! Much more than I can afford.

              If anyone can help clear this up for me I would be really grateful.
              Best wishes

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                #8
                I got home from work and decided to ring Caravan Guard who we currently have our folding camper insured with just to get a first quote on the Rio. Fully comp and insured as a SMH with 3 named drivers, UK and EU breakdown and recovery and a few more bits and pieces bolted on, came in at £481. If we decide for a direct debit its £529 at £40 per month. Never having insured a SMH before, does this fall into a reasonable ballpark figure. I will be asking the C&CC tomorrow for a similar quote tomorrow.

                Comment


                  #9
                  Originally posted by SandraM View Post
                  We are insured now with the C & CC as they will insure my John through his 70s and into his 80s.
                  C&CC just quoted for us at £386 which includes my wife and son as named drivers. Paid up and job done, so we are now ready to move forward tomorrow when we go down to P&P.

                  Comment


                    #10
                    Originally posted by NomadHare View Post
                    Hi there, I hope you don't mind me piggy backing here a little. I too have questions about insurance and didn't want to start a brand new thread.

                    I've just bought a 2003 R20 Hylo and I am brand new to the world of motorhomes. I'm very confused about insurance and classification. On the V5 she is classed as private/light goods vehicle with the body type as Motor Caravan, similar to Clarina. For now I have contacted my insurer (Esure) who were insuring my regular berlingo, and they have taken the details and I've paid the slight increase to insure her as a van.

                    Should I say 'yes' when asked if there are modifications? I'm not clear whether they are manufactured like this before registration. The fact it says her body type is motor caravan, then do the insurers have all the detail they need?

                    Before I bought her I contacted Adrian Flux, but they quoted almost 3 times as much as i pay!! Much more than I can afford.

                    If anyone can help clear this up for me I would be really grateful.
                    Best wishes
                    I would say yes!!! You must make it absolutely clear this is a motorcaravan you are insuring not a standard van - take a look at the value of a 2003 Berlingo Van and compare that to the value of a 2003 R20. If (god forbid) you had an accident they will be offering a payout on a 15 year old van (probably £500) - If you had a fire they will be walking away saying you insured the vehicle as a van not a motor caravan. Taking risks with insurance companies is always a false economy - because if they can wriggle out of an obligation they will. If you want to take chances go for Road Traffic Acts only (Third Party).
                    Jon
                    Amor omnia vincit et nos cedamus amori
                    https://smallromahome2oldies1largedo...logspot.co.uk/

                    Comment


                      #11
                      I totally agree with Jon's post above. Not only is it a legal requirement to have the correct body type on the V5, it eliminates any insurance company trying to wriggle out of paying the correct value should the vehicle to a total loss.

                      I'm waiting on my renewal from Comfort for my Romahome Outlook as it's due at the end of this month - it was £424 last year including business use and being parked on the roadside so looking at the quotes above I guess that's not too bad.

                      John

                      Comment


                        #12
                        We picked ours up today and the V5 shows it as a van. However P&P have sent off the documentation to DVLA and have applied for the change to a motor home, so we are just waiting to hear back. I agree that we should not give any insurance company any reason to duck out of their obligations should we need to claim.

                        Comment


                          #13
                          Originally posted by JohnDL View Post
                          I totally agree with Jon's post above. Not only is it a legal requirement to have the correct body type on the V5, it eliminates any insurance company trying to wriggle out of paying the correct value should the vehicle to a total loss.

                          I'm waiting on my renewal from Comfort for my Romahome Outlook as it's due at the end of this month - it was £424 last year including business use and being parked on the roadside so looking at the quotes above I guess that's not too bad.

                          John
                          Thanks all for your comments. Mine is registered as N1 (light goods vehicle, aka van), however it does list 'Motor Caravan' in the body type category. Does this mean it is indeed already registered as a camper? I'm a bit confused as it seems to be both. Also do I need to spell this out to the insurance company. I told them it was a camper but I'm not sure they totally got it when they looked her up on their system.

                          Thanks

                          Comment


                            #14
                            I have been following this thread with interest. We have just received our new V5 from DVLA yesterday, submitted by P&P Campers, and the new document shows our Nu Rio as a " commercial van". When we knew that we would be taking delivery I shopped around for insurance and settled with C&CC Club care (Vantage Insurance), and they have assured me that my insurance is valid for a Nu Venture Nu Rio campervan. I am still confused but I will be sending the obligatory photographs and letter to DVLA myself and get the vehicle changed for my own reassurance.

                            Comment


                              #15
                              Perhaps people are confusing is the difference between the taxation class and the body type?

                              On my V5 it shows the taxation class as "Light Goods Vehicle" which is correct as that governs how much road tax you pay, and the body type is where it should state "Motor Caravan"

                              John

                              Comment

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