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Subject Topic: Insurance costs? Post Reply Post New Topic
25/10/2017 at 10:47pm
 Location: Kent
 Outfit: Swift Escape 685
View Minnie1's Profile View Profile   Reply to Minnie1 Reply   Quote Minnie1 Quote  
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Can anyone advise is it much more expensive to insure a motorhome that just goes over the 3m height? ie with a Luton bed. Also with a higher than 3500kg chassis? I notice most seem to stay under this but don't have big payload allowances when carrying 4 passengers. I do have a c1 licence that allows a heavier vehicle but wondering if it has a huge impact on insurance?


26/10/2017 at 9:22am
 Location: Shropshire
 Outfit: Toyota Granvia (Wellhouse)
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Hi..

I can't say that I've ever heard of any sort of arbitrary "3m high threshold" being talked about...? (although as both of our coach-built MHs have been low profile, that's not to say that one doesn't exist?).

Re: Weights. Our previous MH was bought(used)and insured as 3500kg(as that's what was on the V5) but I later found that it was actually 38500kg('twas an error on V5)and I just notified the insurance(Safeguard) and they just amended their details, with no additional charge.So presumably it doesn't make that much difference?

Do be aware that, although I'd agree about the lack of payloads for a family at 3500kg, any raise in the "gross weight" is not always translated to any great capacity in the axle limits...and it is these limits that can/do also cause issues.
(usually the rear axle, on a large-ish CB MH, especially if it has a lengthy overhang and/or a "garage" )


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26/10/2017 at 5:43pm
 Location: Gainsborough Lincs
 Outfit: Fiat Ducato 4 Berth Camper Conversion
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Quote: but I later found that it was actually 38500kg




That would be one hell of a motorhome!


-------------
Mum to two boys - 17 and 14 yrs.
Seasoned campers in the UK up to 2010 when we moved to Portugal and back again in 2015. Now using a campervan which we converted ourselves in 2016.


26/10/2017 at 7:43pm
 Location: Shropshire
 Outfit: Toyota Granvia (Wellhouse)
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Quote: Originally posted by somanyhands on 26/10/2017
Quote: but I later found that it was actually 38500kg




That would be one hell of a motorhome!




Oh yeah!
( one helluva payload though! )


27/10/2017 at 5:48pm
 Location: Kent
 Outfit: Swift Escape 685
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Thankyou for your quick replies.



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