Insurance Companies
- Thread starter Pauly
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- insurance quotes
Well, I now have a quandary.
LV wanted an extra £219 for next year, so I rang A-Plan/Howdens.
They came back with a quote of £555.
Then I gave Caravan Guard a call and they've quoted me £343, BUT, I must have a Thatcham approved tracker fitted.
I have already got a Ghost, but as that is not Thatcham approved it doesn't count.
So, do I go with A-Plan/Howdens for £555, or Caravan Guard for £343 + £200ish (for the cheapest approved tracker) + £150ish (annual subscription)
LV wanted an extra £219 for next year, so I rang A-Plan/Howdens.
They came back with a quote of £555.
Then I gave Caravan Guard a call and they've quoted me £343, BUT, I must have a Thatcham approved tracker fitted.
I have already got a Ghost, but as that is not Thatcham approved it doesn't count.
So, do I go with A-Plan/Howdens for £555, or Caravan Guard for £343 + £200ish (for the cheapest approved tracker) + £150ish (annual subscription)
What's that £200 tracker @Ali-G ? It makes sense for future years insurance to get something sorted soon. Sell some of that surplus gear you have stashed away?
ScorpionTrack Driver S7-ALS Tracker at Tracker Team - 0800 246 5538
Ultimate Accuracy to Within 10 Metres European Coverage Included As Standard Lifetime warranty at Tracker Team only £49.00. If your tracker fails at any point it is fully replaced under warranty including parts and labour. Only available through Tracker Team. 4 year warranty also available for...
trackerteam.co.uk
Result.
Caravan Guard quoted me £343 with a Thatcham Cat1 tracker fitted, or £358 with a Cat1 alarm.
After some research it seems that the T6 Highline comes with a Cat1 alarm from the factory.
So a quick phone call and an extra £15 to Caravan Guard and I'm covered for another year for £291 less than LV wanted for renewal and £72 less than LV charged me last year.
Interestingly the best way I got a cheap let quote was multi cover through admiral
£1300 for my 22 plate t32 Kombi. Zone 3 london. 12k miles a year parked on street.
Even though horrific - not as bad as I was expecting
Just tried CaravanGuard but they don't insure non modified vehicles. Shame
How does a stand alone AV policy work?
I’m assuming that they pay the difference between what your main insurer pays at “market value” and their “agreed value” in the event of a total loss.
Could that get messy? i.e. the AV insurer arguing the toss with the main insurer over what the “market value” is to try and minimise their payout.
I have no experience of these types of policy.
I’m assuming that they pay the difference between what your main insurer pays at “market value” and their “agreed value” in the event of a total loss.
Could that get messy? i.e. the AV insurer arguing the toss with the main insurer over what the “market value” is to try and minimise their payout.
I have no experience of these types of policy.
In theory, both insurers should be using the same data to assess market value, so there shouldn't be a need to squabble. In practice, the delta is often trivial when compared to the agreed value, so it's cheaper for both insurers to agree to meet in the middle rather than waste time and resources arguing over a few quid. Either way, the AV insurer is ultimately obliged to pay the difference between the agreed value and the amount paid out by the primary insurer.
Hi all, the same 3 insurance companies are topping my comparison charts - Rightsure, Brightside and Van Line Direct. I've never heard of them. Am I being too cautious dis regarding them and going for a name I know. Small print and selected options look right. Its a T6 kombi no mods. Also dumb question but all 3 are underwritten by Ageas, but going to them direct is twice the price. Wondered why that would be? cheers
I wouldn't worry - Ageas are a reputable underwriter and it is they who'll be paying-out in the event of a claim. Also, there's nothing unusual about specialist brokers being cheaper than going direct to the very insurer that that broker uses.
Soon to be new owner of T6.1 kombi then professionally converting. Full value c.£75k. Struggling to get sensible quotes for insurance. A-plan, just campers, Adrian flux, admiral and caravan guard all >£700pa with Adrain Flux currently winning this poor race. Any further recommendations from this wisest of communities ? Thanks.
You could try Comfort (sub-brand of Aviva) - worked well for me, though you will need an S5 tracker at that value. If it's a brand new van, then they do a new-for-old for the first 3 years, so no need for a Agreed Value policy.
