Always consider alternatives.
Insurance Companies
- Thread starter Pauly
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- insurance quotes
Seem toppy, but could be a postcode issue. My quote from safeguard this year was half that
Ok. I know this subject has been done to death but just had my insurance renewal through from A-plan. It is £90 more than last year and the insurance company insists that I have a tracker fitted.
The cost they expect me to cough up is £650. Fortunately, I have had no claims or any insurance issues with the van so I would expect my premiums to start to fall as this will be coming in to my 4th year of ownership.
What do you guys think?
Also, any recommendations on trackers if I have to go that route?
Cheers.
The cost they expect me to cough up is £650. Fortunately, I have had no claims or any insurance issues with the van so I would expect my premiums to start to fall as this will be coming in to my 4th year of ownership.
What do you guys think?
Also, any recommendations on trackers if I have to go that route?
Cheers.
Before splashing out I’d want to know from the insurer (in writing) which categories of tracker are acceptable and if they need to be professionally installed to be valid.
@czmate1999. Stating the obvious, there are too many variables with insurance such as value, performance, modifications, location and parking arrangements etc. to make direct comparisons but FWIW, my insurance with Ageas through JustKampers this year has an agreed value of £38K on a fully converted 150PS with a Ghost 2 but no tracker requirement (although I have a cheap one) and two of us driving it. It's parked on the drive in rural Gloucestershire - my Mrs has a clean license and I've got 6 points (from 2 silly speeding offences) and we made an over £4K claim against the policy last year albeit I have so called 'protected no claims'. I renewed in June at a bit more than half the quote mentioned and it had gone down by one whole pound from the year before.
IF it’s a campervan try NFU, my insurance premium is dropping every year with the same level of cover.
As said there are many variables and probably home post code makes a big difference.
Campervan Insurance
Seeing more of the world from the road is one of life’s little pleasures, our Campervan Insurance gives you everything you need to keep moving.
www.nfumutual.co.uk
My insurance company have never demanded I need a tracker even though I’m parked on the street in Central London. I have a clean record and now have eight years NCB but of course I pay ridiculous premiums for myself and a named driver. However, surprise, surprise this years quote was less than a grand. 
As @Ayjay alluded to, comparing your insurance quotations with someone else's is utterly pointless - there are way too many variables. With what the insurers term "live pricing", even comparing your own quotations can be challenging.
Insurance actuaries and underwriters target very precisely their chosen demographic (with each targeting a different one) and their job is to make themselves competitive for that demographic (and, conversely, uncompetitive for everyone else). Your job is to identify the insurer(s) into whose target demographic you fall.
It's a time-consuming ball-ache, but it's necessary if you want to get your best price.
Insurance actuaries and underwriters target very precisely their chosen demographic (with each targeting a different one) and their job is to make themselves competitive for that demographic (and, conversely, uncompetitive for everyone else). Your job is to identify the insurer(s) into whose target demographic you fall.
It's a time-consuming ball-ache, but it's necessary if you want to get your best price.
....and I've got a target on my back that the insurance companies are aiming at. 
A very sinister interpretation.....and I've got a target on my back that the insurance companies are aiming at.
I am aware of variables making a difference and was after some general commentary / experiences in the current market. I have my van insured at the cost of a new fully loaded van plus high spec conversion, it’s a high figure. I just struggle with the sudden need of a tracker (don’t overly see the value of them - given the ghost - as if some one can get past that then they can get past the tracker) and a rise in price of £90…
The detail of how insurers make such decisions is very dry, very boring and, ultimately, I doubt it will placate you. Suffice to say that insurers use their previous experience to drive their decisions regarding potential, future policyholders. In days gone by, this would have been a less formal process based on a superficial inspection of the trends by a senior underwriter, but these days it's all driven by data analysis algorithms.
And what margin they want/need to make for this year. Cynical - yes
Of course there's margin - no point in trading otherwise. Contrary to popular belief though, the margins aren't great.
Another 
for A Plan, spoke to a lad, Jack, was very helpful in guiding me through my virgin plunge into the van insurance world.
Once I had got over the initial shock of the cost (I was used to running a 1.5 Qashqai), time was against me a little as I wanted to get everything sorted prior to picking up the van and I couldn't be arsed phoning around different companies.
I will do more research next year as I will have more time on my hands to phone around.
for A Plan, spoke to a lad, Jack, was very helpful in guiding me through my virgin plunge into the van insurance world.Once I had got over the initial shock of the cost (I was used to running a 1.5 Qashqai), time was against me a little as I wanted to get everything sorted prior to picking up the van and I couldn't be arsed phoning around different companies.
I will do more research next year as I will have more time on my hands to phone around.
Currently insured with Caravan Guard for a 2021 T6.1 converted by Hillside Leisure.
Their basic quote for renewal (before I added anything) is £346.
NFU want "at least" £800 but they cannot find vehicle on their system and can only quote for a 2019 van! They would like to get back to me when the underwriters have had a play - which I politely declined having already lost 45 minutes of my life I will never get back .
Caravan Club would like £498 if I get a 'vanilla' quote but this drops to £321 if I tell them what Caravan Guard will charge (because CAMC will undercut any other quote by £25).
Comfort Insurance (who were great when I was tugging a large white box) want £406 but their level of cover seems lower (ie: personal effects only £1K instead of £5K from Caravan Guard and CAMC).
Quotes are like-for-like in terms of excess, etc., as much as possible but not identical.
Hope this helps someone else.
Their basic quote for renewal (before I added anything) is £346.
NFU want "at least" £800 but they cannot find vehicle on their system and can only quote for a 2019 van! They would like to get back to me when the underwriters have had a play - which I politely declined having already lost 45 minutes of my life I will never get back .
Caravan Club would like £498 if I get a 'vanilla' quote but this drops to £321 if I tell them what Caravan Guard will charge (because CAMC will undercut any other quote by £25).
Comfort Insurance (who were great when I was tugging a large white box) want £406 but their level of cover seems lower (ie: personal effects only £1K instead of £5K from Caravan Guard and CAMC).
Quotes are like-for-like in terms of excess, etc., as much as possible but not identical.
Hope this helps someone else.
