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Insurance if storing at home?


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Posted (edited)

Due to pick up a new van and wondering what people's experience is of getting insurance if storing at home. I've previously used storage at a CL but whilst selling my previous van I stored it at home for viewing etc. It got me thinking. I'd previously only ignored storing at home as an option because I thought the van would be an awkward obstacle parked to one side of our double driveway but actually it's turned out not to be so. And the benefits in terms of use and maintenance are attractive. Its convenient to pack up and go when we want to use it, it can be on permanent EHU to maintain the battery and alarm and I can keep it clean and aired.

From a security aspect, contrary to most insurers viewpoint,  I believe it to be a very secure. We live on a quiet edge of town cul-de-sac surrounded by retired or work at home neighbours. Protected by the usual security, (hitch lock, double wheel locks, alarm), I cannot imagine there is any great theft risk.

Do people store at home and if so who do you use for insurance and what stipulations do the insurers make?

Edited by KnausCol

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Posted (edited)

I keep mine on the drive and benefit from the list of reasons you give above.

 

Like most insurance policies the more security I add the cheaper it gets. I just have the alko wheel lock and a hitch lock. I don't have a tracker as the insurance discount is less then the subscription date

 

I used a broker called happy place and the insurance is underwritten by royal alliance. For me they have worked out the best for what I require for the last couple of years and the renewal quote was actually cheaper than I could get anywhere else

 

Although I do have another wheel lock on the opposite side as well but have not declared that because as I move the caravan to rotate the tyres I can't always fit it due to a wall

Edited by Danuk
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Insurance is easy enough to get if parked on the drive although the premium might vary according to where you live. According to some old C&CC statistics though the safest place is a CASSOA gold site. The problem is probably down to it being far easier for thieves to check it out. The ability of thieves to remove caravans from drives almost defies belie at times though but a good alarm does help as noise is the worst problem for them.

There is also a risk of thieves seeing the caravan is away and breaking into the house although I have never seen a case of this. Most house break ins are random.

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We've stored our caravans at home for nearly 40 years - mostly insured with Caravan Club but now with Adrian Flux - no special conditions and normal discounts available for security devices fitted - in our case factory-fit alarm, Alko wheel lock and Alko hitch lock - factory-fit tracker is disabled - we've never seen any difference in premiums compared to storage.

 

SWMBO wouldn't have the caravan stored elsewhere, it's so convenient to load up and unload at our leisure - and in the days when I did DIY modifications it was so much easier with all my tools at hand.

 

We use a mobile ACW to service it in situ.

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

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Posted (edited)

We also store our van on the drive with the benefit of all the above reasons.

 

One thing we also do is park with the hitch TOWARDS the house and as low as the steadies allow with the added insurance of removing the jockey wheel.

Luckily we also have vigilant/friendly neighbours who are happy to park a different car on our drive each evening.

 

Might be something that a few members above might add to their list.......?

Edited by charlieboy2608
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We have always stored our caravans at home, either in the front garden or currently, the back garden. I have fitted 16amp blue sockets back and front of the house so we can plug in. We have outside water taps, manhole covers for toilet dump and even an airline back and front of the house. I would find storing away from home too much of a pain when going away every weekend to steam fairs.

No problems with insurance, just the usual clamps, hitch lock and alarm, same as when on site.

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The only security measure that is a good investment is a lockable pillar. It doesn't need to be in front of the van, just somewhere that will make it impossible to get the van out without removing it. My pillar has a cover over the locking plate and I use a circular padlock which doesn't leave any room for a grinder to cut it off.

 

For insurance, get a quote from CaravanGuard (Halifax based) who I've been with for years and have always found helpful and competitive - and like us they are in God's own county!

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2 hours ago, Woodentop said:

The only security measure that is a good investment is a lockable pillar.

 

From previous employment experience I would not be so confident of that! 

 

No intention of going into detail as to why fir obvious reasons .

 

Andy

Experience is an awful teacher who ends up sending you simply horrifying bills

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Posted (edited)
19 minutes ago, Mr Plodd said:

 

From previous employment experience I would not be so confident of that! 

 

No intention of going into detail as to why fir obvious reasons .

 

Andy

I think if people knew more about "security products" (in general not just caravan) Andy,   they would become paranoid Tbh. 

(And I did it legally btw 🤣)

Edited by clairendave
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A seemingly problem free 2010 model Adria Altea 542dk that has more than its fair share of use.

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Ours is on the front garden, it’s all block paved. We’ve the alko and wraith locks, hitch lock and steadies locks, but the best security is the faffing a thief would need to do to move the van in position to get it off the drive, unless they knock my front wall down. Not noticed any issues on insurance.

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The standard premium is generally based on storage at home. Secure storage though, has a better record as far as thefts are concerned, so you get a discount, but it is nowhere near the cost of the storage. We use storage because the drive is not wide enough to get the caravan safely past the porch, and due to the chassis grounding if it is taken over the hump at the end of the drive.

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 Both of our 'vans have been kept at home, at the rear of our house off a narrow lane, since we started in 2010. Insured, this year, through Lifesure insurance broker for £116 and odd coppers (not you Mr Plodd) including breakdown cover on the 'van. They stipulate wheel clamp and hitchlock when at home, I use winter wheels at home, one of which has a hole in it to accept one of these     https://www.ebay.co.uk/p/2288053478?iid=163281412864&chn=ps&norover=1&mkevt=1&mkrid=710-134428-41853-0&mkcid=2&itemid=163281412864&targetid=879210061183&device=c&mktype=pla&googleloc=9046678&poi=&campaignid=9437867657&mkgroupid=96613766395&rlsatarget=pla-879210061183&abcId=1139366&merchantid=101726761&gclid=EAIaIQobCh   

 No problems with thieves so far, we have very good neighbours. :)

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23 hours ago, Woodentop said:

The only security measure that is a good investment is a lockable pillar. It doesn't need to be in front of the van, just somewhere that will make it impossible to get the van out without removing it. My pillar has a cover over the locking plate and I use a circular padlock which doesn't leave any room for a grinder to cut it off.

 

For insurance, get a quote from CaravanGuard (Halifax based) who I've been with for years and have always found helpful and competitive - and like us they are in God's own county!

They just pull the post out of the ground with a car. I've seen it happen.

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1 hour ago, daveat92 said:

They just pull the post out of the ground with a car. I've seen it happen.

 

Spot on, about as much use as a chocolate fireguard! 

 

Andy

Experience is an awful teacher who ends up sending you simply horrifying bills

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1 hour ago, daveat92 said:

They just pull the post out of the ground with a car. I've seen it happen.

Yes, particularly if the post is only set in the ground like a fence post. To be anything resembling secure it needs to be set into a LARGE and strong concrete base.

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Anyone trying to steal a van is more than likely not in a vehicle they own.  So they won't give two hoots about using it to gain egress for the van.  

I have seen chain set into the concrete plinth to the van sits on, all four corners and the axle before now.  That's a lot of padlocks to remove. But also a lot of money in chain and padlocks if you want something decent. 

Same as house alarms. It's all about hoping the deterrent moves them onto someone else. 

  • I agree completely 1

A seemingly problem free 2010 model Adria Altea 542dk that has more than its fair share of use.

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