Cassoa gold storage - insurance policy issue

It is certainly the case with motor insurance. Although an address can be only 2 / 3 miles away, if the insurers have the postcode down as a higher risk area, it will adversely affect your policy. Clearly they don't think the added security of a gold compound, over your home address, outweighs the area risk. Although it would be worth getting a few more quotes, in case they are trying it on.

Thank you Steve - will certainly get more quotes and check the difference in postcodes

Can an anyone recommend good insurance companies to deal with please?  Thanks 

We get a discount on our caravan insurance for using a gold storage site with the CC so try them. We don't get our MH till may so have not started to price insurance up yet. What company was it please? 

Jack, Try NFU, I find them first class. AND as i have an office not too far away I can go there and talk to real people!  Now that really is a novelty today.

TF

Thanks both- the insurer was Saga motor home - will give NFU a call.

When I was considering a Cassoa Gold site Nr me, I was a bit worried because they used a system whereby I left my van in the arrivals & departure area and they took it away & parked it in the secure area and then when I wanted to use it, I had to give 24 hrs notice and they got it out for me, again into the arrivals & departure area.

I rejected that system and now use a mates house.  But In the Cassoa system I had no control over my van, could not visit to collect something left in it, and had to give 24 hrs notice of needing it.  How would my Insurance re-act to the van being stored with none of is security in place i.e. Wheel lock, hitchlock and movement alarm?

TF

I agree with TF. We use the NFU for all our vehicles, including the MH, and have found them quite open minded about the risks they will insure. They may not be the cheapest but neither are they the dearest and, as TF said, to have a local office where you can discuss matters with real people is a bonus these days.

When I was considering a Cassoa Gold site Nr me, I was a bit worried because they used a system whereby I left my van in the arrivals & departure area and they took it away & parked it in the secure area and then when I wanted to use it, I had to give 24 hrs notice and they got it out for me, again into the arrivals & departure area.

I rejected that system and now use a mates house.  But In the Cassoa system I had no control over my van, could not visit to collect something left in it, and had to give 24 hrs notice of needing it.  How would my Insurance re-act to the van being stored with none of is security in place i.e. Wheel lock, hitchlock and movement alarm?

TF

Gold sites obviously vary, because ours allows 24 hour access and you park your own van and put on what additional security you want. Entry is by a card however, fences are razor wire and there is CCTV and security is manned 24/7. TF makes a good point though, because what he describes is what we do every time the van goes in for service at the main dealer, and I suspect a lot of others do as well.

To be honest it feels to me like a Cassoa Gold award is pretty worthless if it increases your insurance quotes!  I've tried 4 more insurers (not NFU yet) and all of them want additional premium because I want to store my van in a place more secure than it would be at home! Totally barmy! 

Jack - I am insured with Saga and just over a year ago when we got our new van, I was undecided as to whether to keep it on a Cassoa Silver site a couple of miles from home or keep it at home.  Both locations are in the same low crime area.

There was a small saving in keeping it on the Cassoa site but weighed against the convenience of having the van at home, I decided for that option and paid the increased premium. Having gone through the small print in the Saga policy, it seems at least as comprehensive as the CC policy (albeit no European cover unless you pay extra when required) - which would have been twice as much.  True, I haven't experienced a claim (fingers crossed!) but they are Defacto 5* rated, so wouldn't expect them to be any worse than any other similar company.