Insurance Fun and Games!

My club caravan renewal came this morning ,and it was cheaper than last year 

insurers are a law unto themselves at the best of times. You can bet your last dollar that in the event of them paying out for total loss, the chance of being able to buy a comparable vehicle with what they pay out, is virtually zero. They'll quote 'market value'. 

Always worth a call, SAGA quoted a figure on renewal for car insurance, five minutes on the phone reduced it by £90 exactly the same policy so basically if you just pay up you are creating their profit.

Interesting. Everyone’s experience is different. I have been with Comfort for a few years now, always the cheapest. CMC & NFU always a few hundred pounds more than Comfort. Comfort also do great European cover for £65 any size MH. On one renewal the Comfort chap actually said “your renewal looks a bit high, let’s see what we can do.” On another renewal I had to phone back because I had forgotten to tell the the MH had been uprated to 3850kg. No extra fee just a “thanks for letting us know.”

House rules for insurance are never accept first quote, challenge everything, loyalty rewards don’t exist, shop around. 
Don’t envy anyone sorting out insurance, for me it’s always mind numbingly boring, time I could better spend on something else, but it does need doing.

I recently received a renewal quote for my caravan from "Staysure" I've been with them off & on a few years.

I decided to look around but the results were very similar so a few days before it was due I telephoned Staysure to ask a few questions with the aim of reducing the cost.

I asked if I had EU cover "Yes" was the reply. "Well can you take it off as I have no intention of going even if allowed"

"Sorry I can't do that, it's all included in a package". 

I then asked if he could remind me of the renewal amount. The figure he gave me was around £50 up from the email quote they sent me! I put the phone down and completed a feedback on their website.

Went searching again and found a company called "RIPE". Their website allows you to custom build what you need. So I had a go, increased a few values, increased my public liability, added legal cover, excluded European cover and it came in £100 cheaper on a "New for Old" policy....job done.

Now keep getting pestered on the phone and email from Staysure but just ignore them.

Has anyone ever insured their motorhome with Kinetic, through Adrian Flux. I have had a good quote but as I have never heard of them so I’m not sure whether to go ahead?

I believe Kinetic are brokers, not insurers. You need to determine who underwrites the policy because in the event of claims/disputes, it is they who you will need to deal with. I steer clear of the 'at Lloyds' bunch and insurers based in Gib, the Isle of Man etc.

Nearly everyone buys insurance on price and not what you are likely to get in terms of cover and service in the event of a claim (when you need them most) hence the number of complaints about their conduct.  As a rule, with insurance you get what you pay for. Smaller companies will be much keaner on cutting the amounts they pay out - one way or another. I never accept the cheapest quote from price comparison sites because it is usually from a cheapskate insurer.