Insurance renewal advice please

rdchair replied on 24/12/2015 10:17

Posted on 24/12/2015 10:17

Hi all , we have nearly completed our first year of caravanning and what a brilliant time we have had. 23 different trips so far this year, 3 miles away to 300 miles away, 1 nighters to 18.

 Anyway, we have just had a CC insurance renewal notice of £145.45 .

A quick search came up with £77 from uk caravan sure without legal ,breakdown or europe cover,or £81 with europe cover.

lifesure freedom +caravaninsurance came in next at £101 including breakdown and euro cover.

I understand that I need to check like for like, I have also checked and my car cover covers breakdown while on the road.

 just wondered from the more experienced out there, do you shop around, do the club price match, does anyone use these other companies etc.

I am sure this has been a well debated topic so if anyone can link me to it it would be apreciated. Regards

Dom

rdchair replied on 27/12/2015 23:46

Posted on 27/12/2015 23:46

Fair point but, would you not have got the same service from other insurance companies?

So I suppose my question should have been , has anyone had a bad experience with any insurance companies ?

SELL replied on 28/12/2015 00:05

Posted on 28/12/2015 00:05

Agree with Merve have had cheaper quotes but for me the service from the cc insurance is second to none.

Kerry Watkins replied on 28/12/2015 09:47

Posted on 28/12/2015 09:47

Have you looked at the  5 star DeFacto insurers? We use these to,provide quotes for our car insurance. We are insured with the club for our caravan as we find it difficult to find comparable quoted from the other DeFacto insurers due to,it being a Hobby.

eurortraveller replied on 28/12/2015 10:33

Posted on 28/12/2015 10:33

Fair point but, would you not have got the same service from other insurance companies?

So I suppose my question should have been , has anyone had a bad experience with any insurance companies ?

No bad experience at all. Over my lifetime I have had to claim on car, caravan and house insurance - all with different companies - and all have been dealt with quickly and fairly by the assessor who came to sort out the problem. I'm afraid none of those insurances were via this Club, which simply acts as a broker, placing business with an actual insurer. Other brokers do that just as well and just as effectively.

When you come to claim you are dealing with an independent assessor - loyalty to the Caravan Club is no help in that situation. 

Fisherman replied on 28/12/2015 15:04

Posted on 28/12/2015 15:04

1) Treat the renewal notice as the first offer by the renewal company2) Compare different companies either direct or via web sites3) check such things as excesses and what is or not included. 4) write it down and then compare. 4) If there is a better like for like quote then speak to the existing insurers and see if they will match. Most case they will. Then consider tenewal.

Wildwood replied on 30/12/2015 20:19

Posted on 30/12/2015 20:19

1) Treat the renewal notice as the first offer by the renewal company2) Compare different companies either direct or via web sites3) check such things as excesses and what is or not included. 4) write it down and then compare. 4) If there is a better like for like quote then speak to the existing insurers and see if they will match. Most case they will. Then consider tenewal.

This works for car insurance and some household policies but most  caravan policies are fixed prices and not negotiable.

Scottie2 replied on 30/12/2015 22:07

Posted on 30/12/2015 22:07

Caravan Club every time...You will only get what you pay for...You can judge value for money by the service you get when you make a claim so believe me go with The Caravan Club.

Scottie2 replied on 31/12/2015 12:24

Posted on 31/12/2015 12:24

Fair point but, would you not have got the same service from other insurance companies?

So I suppose my question should have been , has anyone had a bad experience with any insurance companies ?

No bad experience at all. Over my lifetime I have had to claim on car, caravan and house insurance - all with different companies - and all have been dealt with quickly and fairly by the assessor who came to sort out the problem. I'm afraid none of those insurances were via this Club, which simply acts as a broker, placing business with an actual insurer. Other brokers do that just as well and just as effectively.

When you come to claim you are dealing with an independent assessor - loyalty to the Caravan Club is no help in that situation. 

Write your comments here...This fact is no doubt  is true but the point here is that with The Caravan Club being the size they now are means that the amount of clout they can wield means the insurance companies have to be "A1" in service or they are out on their ear.

Bakers2 replied on 04/11/2016 15:28

Posted on 04/11/2016 15:28

Just rang house insurance people as renewal notice in. Got it down by £3 not much but worth my time. That's same price as last year Perturbed they thought we new to them last year, as been with at least 38 years maybe more!!! 

Eric and Christine replied on 23/11/2016 16:09

Posted on 23/11/2016 16:09

We have used Saga and previously found them too expensive to bother with but not now, Also the fact that you dont have to press options 1-10 is great you just actually get to speak to a human straight away. Had a motorhome now switched to a caravan and got a good refund from remaining policy too. Worth a try

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