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Topic: Caravan Insurance cost gone down!

Monty15

07/4/2024 at 5:23pm
Location: London
Outfit: Lunar Cosmos 524

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The currently running thread on ever increasing car insurance costs inspired this thread.

Just had a renewal notice for my caravan insurance (CAMC), and it's gone DOWN by £32 from last year!

No changes to valuations, no more acquired NCB (already at the Max), no obvious reduction in cover or increased in excess, just a straight reduction in premium cost!

Not arguing, just happy to pay up and renew.

dk168

07/4/2024 at 8:43pm
Location: Devizes Wiltshire
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tango55

07/4/2024 at 8:52pm
Location: Lichfield
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Most probably due to the fact that your caravan has gone down in value so the new quote reflects this which could be considered as a loop hole for insurance companies to write it off and eliminating all the red tape of considering a repair. Undertaking a repair will now cost more due to the price of parts and the time scale involved along with the extra paperwork so the easy solution is for them to act on the cheapest option by just writing it off.

Colin21

07/4/2024 at 10:49pm
Location: East Herts
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My caravan insurance has certainly not gone down, but it hasn't gone up very much over the past 6 years either. However, that is probably due to the fact that as my caravan is quite old, insurance didn't cost very much to begin with. One of the advantages of these older caravans is that they have finished all their depreciating years ago and are probably worth just as much today as they were 6 years ago, if not a bit more, given that all prices seem to have gone up.

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Pixie_Hez

08/4/2024 at 8:08am
Location: Liverpool
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My CMC cover went down by £3 when we renewed in February. We have new for old therefore the cover is expensive to begin with so I was happy it hadn’t gone up!

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Pixie

Monty15

08/4/2024 at 10:02am
Location: London
Outfit: Lunar Cosmos 524

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Quote: Originally posted by tango55 on 07/4/2024
Most probably due to the fact that your caravan has gone down in value so the new quote reflects this which could be considered as a loop hole for insurance companies to write it off and eliminating all the red tape of considering a repair. Undertaking a repair will now cost more due to the price of parts and the time scale involved along with the extra paperwork so the easy solution is for them to act on the cheapest option by just writing it off.

All the insured values are stated in detail and remain same as last year.

jaiash

08/4/2024 at 10:48am
Location: nr Derby
Outfit: Phoenix 440+

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Ours with the CAMC went down in February only a few pounds but it's a new for old policy and the value insured has gone up because the equivalent van price has increased.

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Grahame

iank01

08/4/2024 at 11:37am
Location: Worcestershire
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Quote: Originally posted by Monty15 on 07/4/2024
The currently running thread on ever increasing car insurance costs inspired this thread.

Just had a renewal notice for my caravan insurance (CAMC), and it's gone DOWN by £32 from last year!

No changes to valuations, no more acquired NCB (already at the Max), no obvious reduction in cover or increased in excess, just a straight reduction in premium cost!

Not arguing, just happy to pay up and renew.

Is that market value or new for old. If market value one would expect it to drop if based on the valuation of the caravan.

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