Campervan Insurance Renewal

I wondered if  other motorhome drivers could answer a few queries which I have in respect of insurance.  Is it cheaper for drivers of M/Hs to insure their cars with the same insurance company or is it better to insure separately?  If I changed my M/H from a 2 to a 4 berth and/or from a manual to an automatic, is there a significant difference in the cost of the insurance?  I recently had a no fault accident in my car when a lady ran into me and accepted full  liability, is it likely that my M/H and car insurance will go up very much?

I don't think any of us can answer those questions. There is little rhyme or reason to some quotes. I am afraid there is no substitute for setting aside the thick end of a day to sort things out. Many car insurance companies will not quote for a MoHo and vice versa. You are also likely best served by telephoning after you have done an initial trawl by one of the search engines online.

One definite answer I can give - if you have a multi-car policy you are likely to have only one NCB. In my case that made separate policies advisable. I have a protected NCB on my car with 12 years plus protected and I am a first time buyer/insurer of my MoHo (arriving tomorrow!). 

P.S. I have gone with Caravan Guard. They were not the cheapest but were very helpful on the phone (and claims experience of others with them seems largely positive). They give discounts for various safety features including a tracker and the items that will be accepted for such discounts are clearly identified in their online pages. I have a full package with them including UK and European breakdown cover. They will insist upon a steering wheel lock (I have gone with a Millenco) as a precondition of insuring but are relaxed about whether that and other security items are on order/to be ordered but not yet in your possession. 

Hope that helps a little?

Chris