Insurance Question.

[sparky]

As I know absolutely NOTHING about what goes on under the bonnet... ( along with what goes on on TOP of the bonnet) I think i'm probably going to contact the RAC, as I know they work in Jersey as well as UK..
Now for silly question ... When you insure with RAC or AA etc for breakdowns.. do you have to take out 'normal' car insurance as well to run alongside it ?

[Graham]

I don't know about the Channel Islands but you certainly have to have vehicle insurance on the mainland. The AA and RAC just cover you against breakdowns, whereas your vehicle insurance will insurance you against accidents or malicious damage.

You don't have to have AA or RAC insurance if you have breakdown with them you can use other insurance companies.

[sparky]

Thanks Graham!

Now I really MUST tear myself away from all things Romahome.. .. my pooch is giving me that 'Oh Gawd, not the poooter ' look again!!

[jayjay]

AA, RAC, Green Flag, etc are all breakdown covers, not insurance covers. You still need insurance! LOL, I wish....

[sparky]

Flaming heck... it's a good job I asked isn't it!

[Ian.C.S]

Flaming heck... it's a good job I asked isn't it!

Sparky!
you MUST have at least 3rd party insurance BEFORE you drive the vehicle. this is a legal requirement anywhere in the UK.Or get an insured driver to drive it home for you. Get it done immediately, the RAC can act as brokers and organise an insurance policy BUT they are not good on motor caravans usually but phone them and ask.Most folk have a fully comprehensive insurance with a £50 or £100 excess, it means you pay the first 50 or 100 of any claim,this reduces the overall cost, the RAC offer roadside repair relay to your destination or a garage of your choice and homestart. this is their full package - go for it. As a beginner it brings peace of mind ,you can change it in years to come.
3 things you must have,full driving license,current MoT,and 3rd party insurance as a minimum. dont drive without.you will get knicked.
Goodluck
Ian

[sparky]

Sparky!
you MUST have at least 3rd party insurance BEFORE you drive the vehicle. this is a legal requirement anywhere in the UK.Or get an insured driver to drive it home for you. Get it done immediately, the RAC can act as brokers and organise an insurance policy BUT they are not good on motor caravans usually but phone them and ask.Most folk have a fully comprehensive insurance with a £50 or £100 excess, it means you pay the first 50 or 100 of any claim,this reduces the overall cost, the RAC offer roadside repair relay to your destination or a garage of your choice and homestart. this is their full package - go for it. As a beginner it brings peace of mind ,you can change it in years to come.
3 things you must have,full driving license,current MoT,and 3rd party insurance as a minimum. dont drive without.you will get knicked.
Goodluck
Ian

AHA! I've just found the 'quote' button... now I don't have to keep going backwards to see who and what I'm replying to!
Ian... I've got fully comp insurance for my car.. will this be ok for me to drive Rollo home? If not.. the seller has said she'll phone her insurers and put me on hers for a week until I sort mine out... Another thing is.. we don't have MoT here, but I don't think that matters when we go to England for short stays... and yes, I quite agree, I WILL get RAC full package... knowing nothing about anything apart from actually driving, it will give me peace of mind.. thanks for advice.

[Ian.C.S]

AHA! I've just found the 'quote' button... now I don't have to keep going backwards to see who and what I'm replying to!
Ian... I've got fully comp insurance for my car.. will this be ok for me to drive Rollo home? If not.. the seller has said she'll phone her insurers and put me on hers for a week until I sort mine out... Another thing is.. we don't have MoT here, but I don't think that matters when we go to England for short stays... and yes, I quite agree, I WILL get RAC full package... knowing nothing about anything apart from actually driving, it will give me peace of mind.. thanks for advice.

If you have full comp it MAY cover you for any vehicle, ask your insurer they may extend to cover.
MoT ask the RAC Im not sure how you stand on this one.
You cannot drive on her insurance.
Hope this helps
Ian

[jayjay]

Usually fully comp on your own car allows you to drive any other INSURED vehicle 3rd party only. The other vehicle must be insured in its own right by someone as well. Check your car insurance details, it'll be in there somewhere! However, as you are also going to insure the Roma, you might as well insure that through the same insurers you use for your car, as they will prob. do a discount on a second car. All depends on whether they know what a Roma is!

Most ppl go for fully comp insurance thru a specialist, for both vehicle and Roma+contents. You can, I believe, just insure the pick-up, but if an accident happened to the Roma body, you wouldnt be insured for that.

The lady can put you on her insurance (if her insurance is still valid for the Roma) as a second driver, usually for a set period of time, like a month.

[sparky]

Oh my word.. it's a good job I came across this site or I would've been really in the poop.. everyone's soooo knowledgeable!
It just so happens that the sellers insurer and my insurer are the same company... I just hope they work tomorrow so I can sort it...
I really wanted to sit in Rollo this afternoon with a cuppa and have a chat to someone who knows how things work, but A. I haven't a clue how to get the gas on and B. I haven't bought a camping kettle yet!
First day and I'm impatient to get going.. it would help if one of you knowledgeable people lived closer... it's not fair!

[jayjay]

Oh my word.. it's a good job I came across this site or I would've been really in the poop.. everyone's soooo knowledgeable!
It just so happens that the sellers insurer and my insurer are the same company... I just hope they work tomorrow so I can sort it...
I really wanted to sit in Rollo this afternoon with a cuppa and have a chat to someone who knows how things work, but A. I haven't a clue how to get the gas on and B. I haven't bought a camping kettle yet!
First day and I'm impatient to get going.. it would help if one of you knowledgeable people lived closer... it's not fair!

I'd love to come across there for a visit, I've never been to the CI's and islands are my favourite thing.... however, it wouldn't be til next year at the earliest! You'll have to make do with the 'net!

A. Turn on gas at cylinder
B. Turn on gas to cooker... should be a little tap somewhere around, maybe inside a cupboard.
C. Fill a pan and put it onto boil, take a mug and teabag and some milk.

There's a download bit on the main site here and I'm sure it has exciting things like manuals there, check it out! And enjoy!

Edited to add: yes there's a Romahome Duo manual there in PDF format just waiting for you to download! It's in 6 parts, due to size... go to the main website from the linky right at the top and look down the left-hand side to the manual download section.

[Graham]

Edited to add: yes there's a Romahome Duo manual there in PDF format just waiting for you to download! It's in 6 parts, due to size... go to the main website from the linky right at the top and look down the left-hand side to the manual download section.

Here is the link

http://www.smallmotorhome.co.uk/downloads.html

[sparky]

I'd love to come across there for a visit, I've never been to the CI's and islands are my favourite thing.... however, it wouldn't be til next year at the earliest! You'll have to make do with the 'net!

A. Turn on gas at cylinder
B. Turn on gas to cooker... should be a little tap somewhere around, maybe inside a cupboard.
C. Fill a pan and put it onto boil, take a mug and teabag and some milk.

There's a download bit on the main site here and I'm sure it has exciting things like manuals there, check it out! And enjoy!

Edited to add: yes there's a Romahome Duo manual there in PDF format just waiting for you to download! It's in 6 parts, due to size... go to the main website from the linky right at the top and look down the left-hand side to the manual download section.

Hi again Jayjay... I'd already downloaded all the manual thanks, but was a bit wary as it said there were two gas switches inside... which I NOW know is one for the fridge! DOH! I'm just so scaredy-cat of blowing Rollo up!
Well as I can't wait around 'til next year for you to come visit to show me everything, I'd better get my butt into gear and just go for it... as SOON as I'm insured... which I'm not... 'cos no prizes for guessing that insurance offices don't open here over the weekend! * mutter mutter*
Soooooo, I went to town yesterday and bought (far too much)ancillary 'stuff' for Rollo instead.

[sparky]

Here is the link

http://www.smallmotorhome.co.uk/downloads.html

Thanks Graham, I had already done that and then the seller gave me her copy that her husband had kept in pristine condition when i picked Rollo up last Friday.

[sparky]

I ended up getting fully comp ( disc arrived yesterday) from island Insurance
( farmers union) for £186.. haven't a clue if that's reasonable or not... just wanted to get the flamin thing..
Got form for RAC ( through island Ins) they're quoting £85, will have to read small print to see what that covers before I ok it...
Also have to join various clubs.. including Roma.. with everything going on at work this week i've only got as far as downloading form.. now need to transfer from laptop to pc so I can print and send...
Thanks for all your help