Insurance

T rev replied on 02/10/2021 14:41

Posted on 02/10/2021 14:41

With our first years insurance coming up for renewal soon we find that the rest of the family would like to use the motorhome.

Therefore we need up to 6 named drivers or maybe any driver with a lower age limit. All drivers would be over 40.

Does anyone know of an insurance company that will do this?

Fully comp. with breakdown preferably.

Thanks

Kasspa replied on 02/10/2021 19:58

Posted on 02/10/2021 19:58

Check out Comfort Insurance & their Discover Product.

It has been developed to enable customers to lend their motorhomes & campervans to friends & family.

Their products are Aviva Policies.

hth

Bakers2 replied on 02/10/2021 20:01

Posted on 02/10/2021 19:27 by davetommo

I would think the registered keeper can insure a vehicle.

Posted on 02/10/2021 20:01

Our car has OH as registered keeper, but it is now insured in my name as he is no longer allowed to drive following health issues.

We also did it before when he inherited his father's car it was insured in my name to build up my NCD. 

It pays to talk 👄😉

Edit - our insurers are and were LV or way back Liverpool Victoria.

As Wherenext pointed out we have an insurable interest. I said I'd pay him any pay out 😉😉

LLM replied on 02/10/2021 20:10

Posted on 02/10/2021 18:47 by Tinwheeler

I understood it was only possible to insure a vehicle you own.🤷🏻‍♂️

Posted on 02/10/2021 20:10

You can take out a separate car insurance policy on someone else's car. Just tell the insurer you're not the owner or the registered keeper of the vehicle when you apply.

Cornersteady replied on 02/10/2021 23:17

Posted on 02/10/2021 20:10 by LLM

You can take out a separate car insurance policy on someone else's car. Just tell the insurer you're not the owner or the registered keeper of the vehicle when you apply.

Posted on 02/10/2021 23:17

you can take out a separate car insurance policy on someone else’s car. Just tell the insurer you’re not the owner or the registered keeper of the vehicle when you apply.

I see you copied that exactly from Moneysupermarket but you left out the next sentence -

It’s worth shopping around though, as not all companies will sell you main driver car insurance if you’re not named on the car’s DVLA registration certificate (DVLA V5C).

Also it may be of interest to note:

In the UK, car insurance for a vehicle you don’t own often costs more than a standard policy because insurers think you’re more likely to make a claim if you’re driving a car that’s not yours.

But not all insurers charge you more to insure someone else’s car, so it’s worth comparing non-owner car insurance quotes from different insurance companies before taking out a policy

 

Lukeledge replied on 03/10/2021 09:56

Posted on 03/10/2021 09:56

I would try a comparison site that does MH insurance so you can compare prices, I would think you could add as many named drivers as you want.

We shop around every year and this year are with Performance Direct, despite the name!

LLM replied on 03/10/2021 11:26

Posted on 02/10/2021 23:17 by Cornersteady

you can take out a separate car insurance policy on someone else’s car. Just tell the insurer you’re not the owner or the registered keeper of the vehicle when you apply.

I see you copied that exactly from Moneysupermarket but you left out the next sentence -

It’s worth shopping around though, as not all companies will sell you main driver car insurance if you’re not named on the car’s DVLA registration certificate (DVLA V5C).

Also it may be of interest to note:

In the UK, car insurance for a vehicle you don’t own often costs more than a standard policy because insurers think you’re more likely to make a claim if you’re driving a car that’s not yours.

But not all insurers charge you more to insure someone else’s car, so it’s worth comparing non-owner car insurance quotes from different insurance companies before taking out a policy

 

Posted on 03/10/2021 11:26

I'm pleased but not surprised, that MSM are of the same mind.  They have some very able staff and knowledgeable advisors laughing.  

Wherenext replied on 03/10/2021 21:27

Posted on 03/10/2021 21:27

25 years ago when I was still in the business we dealt with over 40 main stream insurance companies and had access to the Lloyds market.

None of the major companies would insure someone else's car and Lloyds was too expensive and punitive with terms. Things may well have changed in the intervening years but the principles remain the same.

I was only ever asked to insure a motorhome being lent to an existing client for a 1 week holiday. We had to pull in a big favour to get his motor insurer to cover it and they only did it as they covered his commercial business and his Professional Indemnity cover, worth thousands to them.

This is why you have dedicated insurance companies who specialise in Motorhome cover. A lot of mainstream companies even today will not cover them at all.

near Malvern Hills Club Campsite Member photo by Andrew Cole

Book a late escape

There's still availability at many popular UK Club campsites - find your perfect pitch today for a last minute trip!

Book now
Woman sitting in camping chair by Wastwater in the Lake District with her two dogs and picnic blanket

Follow us on Facebook

Follow the Caravan and Motorhome Club via our official Facebook page for latest news, holiday ideas, events, activities and special offers.

Photo of Wast Water, Lake District by Sue Peace
Visit Facebook