Insurance Recommendations Please
- Thread starter AJH_Ant
- Start date
Their insurance quote was over £600 more than my existing company quote, plus they wanted their tracker fitting - so never got as far as discussing agreed value! So is your main insurance with AF as well as the AV policy?
It’s amazing how quotes vary from company to company!
My principal insurance is with AF, including the Trinity Lane Agreed Value. We are in a 'cheap' zone for insurance though. We have an S5 tracker already and it's parked on the drive with the Mrs on the insurance too. I'm sure the 25 days before due is also a good thing worth doing. Don't leave renewing until the last minute!
Yeah did the 25 days thing - pretty sure AF were one of the ones who said I had to be insured through them before taking an AV policy. I’m not in a cheap zone and no tracker but am parked on a drive & Mrs on insurance.
AF told me my quote was high because of area - which I queried as it’s not in the top 10 areas for vehicle theft, they said it was because of high number of claims. Which is fair enough but I find it strange a different company can provide a quote for less than half for basically the same type of cover (apart from AV which is separate anyway!).
I do enjoy the 'hopeful' peace of mind I have with AV on the policy, but you can certainly put a price on the additional cost of a relatively unknown quantity. My total insurance was £560 with AF, would I pay £1000 for pieces of mind? Probably. A decent tracker is worth considering, I wonder how much difference that would make to your premium?
AF’s quote was over £1200 with the tracker, they wouldn’t insure without it. Current insurers offer a discount for certain trackers but have to admit I’ve an irrational aversion to trackers having had one fitted in a company vehicle for 10+ years and seeing them used for nefarious reasons!
astronautninja
Member
AF included a £90 tracker ad part of the quote and wouldn't insure without it.
Paid £700 with no applicable NCB but they did recognise that I had 4 years I was using on my car
Paid £700 with no applicable NCB but they did recognise that I had 4 years I was using on my car
Oh, that's odd, i've been with LV for over 4 years and renewed in November. maybe just new customers?
Brodskibeat
New Member
Shopping around myself now, after premium went up 50 per cent! ERS who Staveley Head used have gone under, which is why they said my premium had gone up. I can recommend Staveley Head regardless though, as dealt with a windscreen claim efficiently. Have just had a decent quote off them to be fair, but am also awaiting some better quotes back from Howdens. It's worth noting that proof of habitation check can bring your insurance down, too. Also, going with someone new may result in the interior photos faff if not an 'off the shelf' conversion.
Brodskibeat
New Member
Went with Howdens in the end. Know others have had communication issues but no problems myself. They use Aviva and AXA among others, and they managed to get me a competitive price. They will allow commuting and also offer EU breakdown and insurance too.
BlakeyG
New Member
OMFG, i'm pulling my hair out, 2 days trying to get insurance, I'm being honest with them, also said want to use during business hours, its a modular system so can be both a van and campervan. Will have a poptop and windows all round. 1 month left just being a van, then converting with the poptop and windows, folding bed, with removable pod. But can only be classed as a campervan if kitchen area is fixed and recorded on the Slip as a campervan! Honestly the insurance business is so corrupt by big global underwriters. Loosing the will :/!
I'm looking at the moment. AF have really mucked my renewal quote up. Looked at adding my daughter last year as she used the van. In the end AF did a separate policy for two weeks. Worked out better. But some how its all mucked up on the renewal quote. They close at 5.30 so have to ring from work. A real pain. Giong to try 'A' plan as well.
Remember that you can get an agreed value policy through AF but not AP (Howdens). I've stayed with AF and the price with Agreed Value was £150 less than last year.
I just had a renewal quote from Howden of £542, £2 cheaper than last year. Às we went through the details they reminded me I had to keep my van parked in my drive ( I don't have one)
Two hours later they couldn't insure me ( 10 years no claims) They offered me another insurer at £2200!
My van is more a day van I.e. rock n roll bed with fridge swivel seat but no cooker/ sink.
Dick Turpin wore a mask!
Two hours later they couldn't insure me ( 10 years no claims) They offered me another insurer at £2200!
My van is more a day van I.e. rock n roll bed with fridge swivel seat but no cooker/ sink.
Dick Turpin wore a mask!
doncarlyon
New Member
Our policy also has the driveway endorsment which is ok for us but a bit of a shame it has to be there at all.
Kind of a nonsense, as the van could be 10ft to the left and it would be on the street and it's a small hidden away cul-de-sac. The risk is no greater.
Not from the insurer's viewpoint it isn't. It's merely a reflection of statistical probability - a van kept overnight on the roadside is more likely to be stolen, damaged or broken into than a van parked on a driveway.
But, without the endorsement, the van could be parked several streets away, out of the insured's view.
Similar threads
