Jump to content

insurance price


Message added by CT Advertising

Caravan Guard Logo.png Specialist Caravan Insurance from Caravan Guard protects your tourer against accidental damage, fire, theft, storm and flood damage. Find out why their customers rated them Excellent on Trustpilot.com   Get a quote today.

 

Recommended Posts

First post so please be kind.

 

Returning to caravanning after a 20 year break and just ordered a 2019 Swift Challenger 645.

 

Take delivery in just over two weeks and the on-costs are getting bigger and bigger.

 

Insurance has been quoted at approx £400. Is that about right? Thats with the caravan stored and approved wheel clamp fitted.

 

Pointers in the right direction welcomed.

 

thanks

 

Gary

 

 

Link to post
Share on other sites
  • Replies 61
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Popular Posts

Welcome. Agree with Moorgate.  Shop around, ask around. Cheapest isn't always best - good claims handling is important otherwise there's no point. £400 is "in the ballpark" - I paid nea

We have just got our first caravan.  There was a sign and link on the storage yard's website for a company called Shield.  They were the cheapest I could find.

If you read carefully that makes no difference as they are not directly insuring you! They are insuring the caravan club so that should CMC become insolvent it can still honour any discretionary award

Posted Images

Use the comparison sites such as Compare the Market, Go Compare and so on, as well as quotes from the big Clubs.  You will quicky get an accurate figure which will depend on where you live and where you store the caravan.  Good wishes.

Link to post
Share on other sites

Welcome.

Agree with Moorgate.  Shop around, ask around.

Cheapest isn't always best - good claims handling is important otherwise there's no point.

£400 is "in the ballpark" - I paid nearly that in February for a 2019 Caravan, secure storage,  Alko wheellock etc,  in excess of 20 years no claims.

I could have saved £50 or so with a higher excess and via a broker but I prefer to deal direct.

Extra security devices can attract further discounts but outlay is to be considered. 

 "New for old" cover is more expensive than reinstatement/market value cover but a new caravan is worth the extra to me.

 Your choice may be different.

If you haven't already, check your car insurance is appropriate and if any declaration is required.

I hope this helps.

 

  

  • Like 1
Link to post
Share on other sites

My renewal has just come through from C M C.  £433, increase of £9 on last year.  That's  on a 9 year old 'van, new for old insurance, discount for storage and wheel lock and full no claims.

Mike

Link to post
Share on other sites

As suggested I look around at renewal and last couple of years Cover4Caravans has been best value.

I use the figures I get online before calling and discussing what they can offer.

You may get a discount if you have a tracker , for example, but after the ‘free’ period it may not be worth paying for continued tracking unless you get a decent discount.

Link to post
Share on other sites

Swift are offering half price insurance for any of their caravans upto three years old. I collect my new caravan today and used this which is a true discount. Ask your dealer for the link or telephone number or go to the swift website. However on the website I found it difficult to get the right link. The link you need will first ask you who your dealer is and this takes you too the discounted section. Enjoy your new van!

2020 Swift Eccles 650 towed by Range Rover Vogue SE SDV8 4.4

"What doesn't kill you only makes you stronger!"

Link to post
Share on other sites
11 hours ago, Grumpy2 said:

First post so please be kind.

Returning to caravanning after a 20 year break and just ordered a 2019 Swift Challenger 645.

Take delivery in just over two weeks and the on-costs are getting bigger and bigger.

Insurance has been quoted at approx £400. Is that about right? Thats with the caravan stored and approved wheel clamp fitted.

Pointers in the right direction welcomed.

thanks

Gary

Can you confirm that it is "new for old" insurance?

Link to post
Share on other sites

apart from the compare sites, there are some insurances that are on their own . You can also add and subtract things as you go. The last Insurance I had was very much with the security features, that was what gave the bigger discounts, so have a good look around, even when  they give you a quote you can always ask if they can better it. 

Link to post
Share on other sites

Our caravan insurance has just been renewed through the Camping and Caravanning Club, new for old at £21k for the caravan and £175 excess. Stored but not a CASSOA site, Tyron bands, wheel clamp and hitch lock. Premium £308 including £10 for legal protection and £15 policy fee. Does not include use abroad since we do not need that. Having a higher excess always reduces the premium as well as security devices. We do not have the alarm included since the battery is often removed for charging but it did not affect the premium.

Link to post
Share on other sites

Had ours insured with the C & C Club, (brand new, alarm, tracker, wheel clamp and hitch lock, stored in a CASSOA silver site). The following year it went up by about £120 despite no claims. I checked on comparison sites and found a quote equal to the previous years quote. I phoned the C & C Club and told them that I wouldn't be renewing, they asked for my new quote and promptly matched it on the spot rather than "lose my custom". I do it every year with car, caravan and home insurance.

2014 SsangYong Rexton W towing a 2017 Sprite Major 4EB. (After June 9th).

Link to post
Share on other sites

We have just got our first caravan.  There was a sign and link on the storage yard's website for a company called Shield.  They were the cheapest I could find.

  • Like 1
Link to post
Share on other sites
1 hour ago, Bavnelly said:

We have just got our first caravan.  There was a sign and link on the storage yard's website for a company called Shield.  They were the cheapest I could find.

Cheap is not always best when it comes to making a claim so beware.

Link to post
Share on other sites

Thanks Durbanite.  What I should have said was they were cheaper than my insurer for home/contents and car.  They seemed a good site, especially as they specialise.  Hope I don't have to eat my words!!

Link to post
Share on other sites

Durbanite, yes, as the van is new I'm only looking at 'new for old' cover

 

also

 

madasmad, the Swift insurance comes in at around £200 but insists I activate the tracker which is a £95 option.

Edited by Grumpy2
Link to post
Share on other sites
20 hours ago, Trek said:

My renewal has just come through from C M C.  £433, increase of £9 on last year.  That's  on a 9 year old 'van, new for old insurance, discount for storage and wheel lock and full no claims.

Sorry to have to tell you this Trek, but the Caravan Club no longer provide caravan insurance.

What you have is "Caravan Cover", a discretionary scheme where the directors decide if they will meet claims. The small print states "this is not an insurance policy"

Link to post
Share on other sites
6 minutes ago, Minion 63 said:

Sorry to have to tell you this Trek, but the Caravan Club no longer provide caravan insurance.

What you have is "Caravan Cover", a discretionary scheme where the directors decide if they will meet claims. The small print states "this is not an insurance policy"

Any real world experience that the Caravan cover from CMC is sub-standard?

 

Anyone know the legal difference between Caravan Cover and Caravan Insurance?

:excl::excl::excl:    Spanish Trip 2020 - :excl::excl::excl: - Time to bailout...

Subscribe to our Blog at the website below and read the diaries of many of our expeditions.

Caravan Ramblings blog

Link to post
Share on other sites
30 minutes ago, PandR said:

Any real world experience that the Caravan cover from CMC is sub-standard?

 

Anyone know the legal difference between Caravan Cover and Caravan Insurance?

No, because I don't personally know anyone who has purchased it.

 

Having read the small print which states that claims will only be paid at the discretion of the Caravan Club directors, meaning they have no legal obligation to pay out claims, we decided that it is not for us.

Besides, HER's finance agreement says that the caravan must be fully insured.

 

However, they do still provide insurance for motorhomes, campervans, cars and other insurance products.

 

There was a discussion about this on their website. (and possibly the C&CC website)

Link to post
Share on other sites

I've purchased it!!!

 

Was with Safeguard or Caravanguard prior and some of their terms and conditions rendered the cover also fairly "optional".

 

In particular they wouldn't cover it during a service without a guarantee all the locks and alarms were fitted by the service centre.

 

The CMC at least recognise this as a risk and offer explicit cover for it...

:excl::excl::excl:    Spanish Trip 2020 - :excl::excl::excl: - Time to bailout...

Subscribe to our Blog at the website below and read the diaries of many of our expeditions.

Caravan Ramblings blog

Link to post
Share on other sites
12 minutes ago, Minion 63 said:

https://www.caravanclub.co.uk/club-together/discussions/club-Talk/club-products-services/caravan-club-non-insurance-policy/

 

Yet another thread started on the Caravan Club website.

Started by Easy T (also a poster on here) raising the same concerns that I have.

Would that everyone used the same name on sites ;)

Alan

 

2005 Nissan X-trail 4WD diesel and Swift Charisma 540 2012 Lunar Clubman ES  2018 Lunar Clubman ES

Link to post
Share on other sites

It seems that last week we were silly enough to take out this "caravan cover" and on receiving the documents I admit that I did not read the fine print thinking that we were insured.

On reading the booklet I then discovered that cover was offered as follows;

 

We offer cover on a discretionary basis which means that your Executive Committee has sole and absolute discretion on deciding claims and may accept or reject claims in its discretion. It also means that the Executive Committee may, in its discretion, agree a claim which falls outside the terms of the Caravan Cover, or which may even be expressly excluded, if the circumstances warrant it. The discretionary cover we provide is not a contract of insurance, and The Caravan Club Limited is not regulated as an insurance company.

 

Obviously the above statement in the booklet is of great concern to us as our caravan is now not insured and is only covered whatever that means.  We now have to shop around for a proper insurance company that is regulated, but in the meantime we have no insurance!

BTW when I phoned in on more than one occasion I used the term insured and not once was I corrected.  On the 31st I needed to make an inquiry about a clause and wrote in an email "We have recently taken out insurance with the club and having perused the documents we have a concern regarding the Alarm Clause.   Again I was not corrected however we are now very concerned and will have a sleepless weekend until I can arrange insurance on the Monday.

Link to post
Share on other sites
6 minutes ago, Durbanite said:

It seems that last week we were silly enough to take out this "caravan cover" and on receiving the documents I admit that I did not read the fine print thinking that we were insured.

On reading the booklet I then discovered that cover was offered as follows;

 

We offer cover on a discretionary basis which means that your Executive Committee has sole and absolute discretion on deciding claims and may accept or reject claims in its discretion. It also means that the Executive Committee may, in its discretion, agree a claim which falls outside the terms of the Caravan Cover, or which may even be expressly excluded, if the circumstances warrant it. The discretionary cover we provide is not a contract of insurance, and The Caravan Club Limited is not regulated as an insurance company.

 

Obviously the above statement in the booklet is of great concern to us as our caravan is now not insured and is only covered whatever that means.  We now have to shop around for a proper insurance company that is regulated, but in the meantime we have no insurance!

BTW when I phoned in on more than one occasion I used the term insured and not once was I corrected.  On the 31st I needed to make an inquiry about a clause and wrote in an email "We have recently taken out insurance with the club and having perused the documents we have a concern regarding the Alarm Clause.   Again I was not corrected however we are now very concerned and will have a sleepless weekend until I can arrange insurance on the Monday.

 

It looks to me that the Caravan Club Limited is trying to avoid it's liabilities by not being regulated as an insurance company - that's worthy of a complaint to the FCA.

2015 VW Touareg 3. 0 V6 TDI + 2013 Lunar Clubman ES

Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Restore formatting

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


×
×
  • Create New...