Caravan Insurance gone up again
16 replies
Freddy55 replied on 25/06/2021 19:26
Posted on 25/06/2021 18:57 by charlie25Just received my Caravan Club renewal and the price has gone up yet again. Anyone found a decently priced caravan insurance.
eribaMotters replied on 25/06/2021 19:56
Posted on 25/06/2021 19:56
I posted this on another forum a few months ago for my 2017 Eriba. It might help:-
I know we all have different requirements, ages and locations differ, but this comparison on a like for like basis where possible may be of use.
The only differences lay in x/s where some policies would not go down to £100 and where they would this would still stand at a higher level for awning damage.All are for a wheel clamp and hitch lock for security. Some companies I contacted would not quote due to value of van and only two anti-theft devices.
Quotes are based on £25K [van, mover, awning etc] new for old, £500 contents, a low x/s of £100. European cover, no previous claims, legal expenses, stored at home, ins tax etc etc.
Lifesure - 2020-21 = £255
Lifesure - 2021-22 = £351
C&MC - 2021-22 = £431
SAGA - 2021-22 = £351
Caravanguard - 2021-22 = £327
Adrian Flux - 2021-22 = £434
Towergate - 2021-22 = £462
Cover4Caravans quoted £281 and £568. When I asked why the difference it was because the underwriter quoting £281 required CRIS registration. I explained no UK van is supplied like this and very few owners have gone through the process. I was then informed the broker was allowed to offer the second underwriter, Zenith at £568 for the price match at £281 if lack of CRIS was the reason for not being able to take out the cheaper policy. It got better as I phoned today to confirm I would take out new policy but asked about raising the x/s to get the price down a little more. No problem they dropped to £268 and have left the x/s at £100
The only drawback I can see is the new for old only runs for vans up to 5 years old.
Colin
1 person likes this
eurortraveller replied on 25/06/2021 20:48
Posted on 25/06/2021 20:48
I always had other questions in mind besides price alone.
What security equipment does the insurance company require for storage here at home - I was never prepared to have more than a hitchlock - and no wheellocks or trackers.
What are the requirements for fitting security to the caravan in a supermarket car park while I go into the store for half an hour for shopping .
Is cover valid for Europe as well as UK.
Is the insurance valid if I have to leave the caravan unattended because of an emergency return home from Europe as well as UK - for some days or weeks if need be.
What are the arrangements for repair of a damaged Cavan and the return of it to me after repair - whether from Europe as well as UK.
What is the excess?
EmilysDad replied on 25/06/2021 23:00
Cornersteady replied on 25/06/2021 23:14
Posted on 25/06/2021 23:14
My CAMC cover came in this week, for some reason it is £5.43 more expensive.
Post edit, I mean why £5 and 43p exactly, I realise that things go up but where does the 43 p come from. I did check with other providers and it appears good value and also taking into account the positive things people have posted about claims.
Extugger replied on 26/06/2021 08:24
Posted on 26/06/2021 08:24
Amazing that insurance has gone up again after nearly two years when the caravan hasn't turned a wheel.
Anyway, my CAMC "insurance" (which it isn't, it's Cover) quotation, came in at a tad over £600. Ripe insurance (underwritten by Aviva) was £260. Same cover. Guess who got my business?
EmilysDad replied on 26/06/2021 09:11
Posted on 26/06/2021 08:24 by ExtuggerAmazing that insurance has gone up again after nearly two years when the caravan hasn't turned a wheel.
Anyway, my CAMC "insurance" (which it isn't, it's Cover) quotation, came in at a tad over £600. Ripe insurance (underwritten by Aviva) was £260. Same cover. Guess who got my business?
JVB66 replied on 26/06/2021 09:19
Extugger replied on 26/06/2021 12:45
morningstar replied on 29/06/2021 14:58
Posted on 29/06/2021 14:58
Given that 99% of members have not used their van for most of the last 12 months due to lockdown, I would assume the caravan insurers will have paid out very little in claims. How therefore can they justify any increase in premiums ???
Directline gave policy holders a refund for reduced mileage during the same period
Discuss please
charlie25
Caravanner