We are a bit shocked by insurance prices

Jennysheepdog replied on 27/01/2017 09:17

Posted on 27/01/2017 09:17

Hello Everyone

Our Bailey Unicorn Cadiz went into production during the first week in January so we are very excited about picking it up sometime in February

we have just been check the cost of the insurance with the caravan club and it comes out at £51 per month. 

I expect that is because we have never had a caravan and therefore haven't built up a no claims bonus - is that correct? Should we look somewhere else do you think?

thanking you in anticipation

ValDa replied on 27/01/2017 21:59

Posted on 27/01/2017 21:59

For anyone taking out Caravan Insurance, might I suggest that they try Frank Pickles (Brokers) in Otley.  It's a local business to me, has been there for years, and isn't an anonymous 'call centre' but employs local people working in a lovely Georgian building in my home town. It's always been the place to go to for local people with 'difficult to insure' categories of any kind, and they almost always get you a good price.  

I can't guarantee that they will beat any price, or even that they can insure you, but I'm keen to encourage people to try them as they are now advertising that they are specialists in Caravan Insurance, and for a local young person to join their specialist Caravan Insurance team! It's only a small town and employers like this need to be encouraged!

DSB replied on 27/01/2017 22:05

Posted on 27/01/2017 13:02 by SELL

one thing to consider is that if you are unfortunate in having to make a claim how would they react in dealing with the claim, one this is that the CC service is excellent. 

Posted on 27/01/2017 22:05

I absolutely agree.  We have had to claim when one of our previous caravans was stolen.  The CC were very efficient, fair and sensitive in the way they dealt with the claim.  It's worth the slightly higher premium, in my opinion.

David 

 

Flyingfox replied on 28/01/2017 09:40

Posted on 27/01/2017 15:47 by richardandros

We are also with Saga who are about half the price of CC on a Barcelona we bought new in 2015.  Other than in respect of European cover - which is an extra with Saga - and can be bought 'as and when' - the level of cover seems as good as the CC policy.  As Wildwood says, reviews indicate that their claims response is good and they have maintained their competitiveness for the last three years. I did shop around this year but none of the well known names came anywhere near Saga. Another attractive aspect of the Saga policy is that whereas they give discounts for as many security devices as you have, they only require that a minimum of one is fitted at any one time.

Posted on 28/01/2017 09:40

We also found the CC to be about twice the price of Saga when it came to renewing the insurance on our year old Vigo. £220 as compared to nearly £400 with the CC. Obviously staying with Saga.

replied on 28/01/2017 09:55

Posted on 28/01/2017 09:55

Not surprised as I always thought CC car insurances could be dear. I don't think it is through an individual company

KjellNN replied on 28/01/2017 12:04

Posted on 28/01/2017 12:04

We have twice had cars insured via the CC, using the "beat your renewal by £25" offer, both were the beat deals we could find at the time.

For us SAGA never work out well for car insurance, they always come out massively more expensive than other reasonable quotes, which I find strange.

And for home insurance, their standard sums insured are too low. Then when you ask for a higher amount the premium becomes really silly.

Wildwood replied on 29/01/2017 10:41

Posted on 27/01/2017 21:59 by ValDa

For anyone taking out Caravan Insurance, might I suggest that they try Frank Pickles (Brokers) in Otley.  It's a local business to me, has been there for years, and isn't an anonymous 'call centre' but employs local people working in a lovely Georgian building in my home town. It's always been the place to go to for local people with 'difficult to insure' categories of any kind, and they almost always get you a good price.  

I can't guarantee that they will beat any price, or even that they can insure you, but I'm keen to encourage people to try them as they are now advertising that they are specialists in Caravan Insurance, and for a local young person to join their specialist Caravan Insurance team! It's only a small town and employers like this need to be encouraged!

Posted on 29/01/2017 10:41

This is a brokers and the business is placed with an insurer. I would need to know who they were before saying one way or the other.

kp123 replied on 29/01/2017 11:59

Posted on 29/01/2017 11:59

We have used saga the last 2 years however renewal on 2015 unicorn Valencia was £306 so I phoned them and got it down to £260 it does pay to talk to them direct.caravan guard can be competitive too we have used them in the past.

Tigi replied on 29/01/2017 20:23

Posted on 29/01/2017 20:23

Shop around, I`ve always found the Club on the high side, but it is a quality product, no doubt they`ll be tales of woe about that comment. Try Comfort, Safeguard, Saga and the many others on the internet and you will soon get a ball park figure. I was looking for insurance for a trip to the USA last week and it ranged from £370 to £1000 for pretty much identical cover so it does pay to shop around.

MDD10 replied on 01/02/2017 16:01

Posted on 01/02/2017 16:01

I had the same issue.  Caravan club were very expensive for me when I first started.    I found several providers much cheaper but cover varied and I was concerned about service.  I found that the Camping and Caravan club was about the best for price and service combined.  What does annoy me is that they are like car insurers and hike the premium each year until I ring up and inform them I will be leaving at which point they do a "review " and find a better price!!

MDD10 replied on 01/02/2017 16:01

Posted on 01/02/2017 16:01

I had the same issue.  Caravan club were very expensive for me when I first started.    I found several providers much cheaper but cover varied and I was concerned about service.  I found that the Camping and Caravan club was about the best for price and service combined.  What does annoy me is that they are like car insurers and hike the premium each year until I ring up and inform them I will be leaving at which point they do a "review " and find a better price!!

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