Home Log in or Register

Message Forums

Welcome Guest

Reception - All Forums

Caravans and Caravanning

Topic: Caravan Insurance Hike?

Page: 1 2

Dave11

13/1/2022 at 12:06pm
Location: Sussex
Outfit: Swift 645 Elegance - Range Rover Sport

View Profile

Quote

Joined: 11/7/2005

Platinum Member

Forum Posts: 877

Site Reviews Total:	1

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

I have just had my renewal through for my touring caravan with the Caravan and Motorhome Club for this year and nearly fell off my chair to see it has increased from £585.53 to £705.61 in just they last year?

That’s an increase of more than 20% in the last 12 months despite all the restrictions over the last year, meaning we couldn’t use it as much.

I have been with the club for many years and have a claim free record , so don’t understand what’s happened in this last year to increase it so much, I also keep the caravan at home?

I was going to ring the club and ask why the massive increase, but before i do thought I would ask on the forum if anyone else has noticed a large spike in their renewal premium in case this is the general norm?

I am a member of both major clubs and have always insured with the Caravan and Motorhome Club.

marg6

13/1/2022 at 12:26pm
Location:
Outfit:

View Profile

Quote

Joined: 11/8/2016

Diamond Member

Forum Posts: 3126

Site Reviews Total:	3

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	3
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	15
Site Nights 2018:	0

i think its just a case the same as car insurance where they have taken advantage that you will just renew, its time for you to shop around and find the best quote and then go back to the caravan club and inform them of the price for a like to like quote you have and see if they will price match, if not then its time to leave, and then just remember to start this all again next year

Discounted Insurance Quotes for UKCampsite.co.uk visitors! Up to 12.5% off!

UKCampsite.co.uk users are rewarded with up to 12.5% off Caravan Guard touring caravan insurance, folding camper and trailer tent insurance, and 5% off motorhome and campervan insurance. Static caravan insurance is also available. Get an online quote now

blueexpo97

13/1/2022 at 12:57pm
Location:
Outfit:

View Profile

Quote

Joined: 07/2/2009

Diamond Member

Forum Posts: 9851

Site Reviews Total:	24

Site Reviews 2024:	0
Site Reviews 2023:	1
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	2
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

What age is your van, and is the policy new for old?

If it's new for old, I can only assume it's due to the fairly substantial rise in the cost of new vans.

-------------
XVI yes?

As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.

Mrs. Bonce

13/1/2022 at 1:18pm
Location: Luton (no jokes plea
Outfit: Coachman and Hyundai

View Profile

Quote

Joined: 05/6/2006

Diamond Member

Forum Posts: 12700

Site Reviews Total:	384

Site Reviews 2024:	21
Site Reviews 2023:	26
Site Reviews 2022:	37
Site Reviews 2021:	26
Site Reviews 2020:	11
Site Reviews 2019:	30
Site Reviews 2018:	31

Site Nights 2024:	102
Site Nights 2023:	119
Site Nights 2022:	154
Site Nights 2021:	140
Site Nights 2020:	63
Site Nights 2019:	132
Site Nights 2018:	134

Ours has just renewed, can't remember the exact amount, but less than £50 and I got it down a bit more by increasing the excess. CAMC also btw. Give them a ring before you shop around.

Dave11

13/1/2022 at 1:25pm
Location: Sussex
Outfit: Swift 645 Elegance - Range Rover Sport

View Profile

Quote

Joined: 11/7/2005

Platinum Member

Forum Posts: 877

Site Reviews Total:	1

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

Thanks for the replies so far.
For those that asked , its a 2018 Swift Elegance 645 (wt upgrade) and have Super Cover (New for Old) and opted for £500 Excess.
I always expect some form of increase , but 20% in 12 months and never have had a claim in all the years i have had caravans and always used the club insurance ?
Don’t know why?

blueexpo97

13/1/2022 at 1:29pm
Location:
Outfit:

View Profile

Quote

Joined: 07/2/2009

Diamond Member

Forum Posts: 9851

Site Reviews Total:	24

Site Reviews 2024:	0
Site Reviews 2023:	1
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	2
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

As I said cost of new vans now, with your type of policy.

-------------
XVI yes?

As well is two words!
How does a sage know everything about everything? or does he? or does he just think he does?
Remember, if you buy something you bought it, not brought it.

Mick S.

13/1/2022 at 1:40pm
Location:
Outfit:

View Profile

Quote

Joined: 18/8/2004

Diamond Member

Forum Posts: 3499

Site Reviews Total:	37

Site Reviews 2024:	0
Site Reviews 2023:	1
Site Reviews 2022:	1
Site Reviews 2021:	4
Site Reviews 2020:	4
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	3
Site Nights 2022:	6
Site Nights 2021:	16
Site Nights 2020:	17
Site Nights 2019:	0
Site Nights 2018:	0

Ours is 'market value', and has gone down £20, with Caravan Guard. CAMC can charge what they like, as they know most members will just cough up thinking they have the best deal.

Post last edited on 13/01/2022 13:47:50

jaiash

13/1/2022 at 3:33pm
Location: nr Derby
Outfit: Phoenix 440+

View Profile

Quote

Joined: 09/7/2008

Diamond Member

Forum Posts: 3771

Site Reviews Total:	26

Site Reviews 2024:	3
Site Reviews 2023:	2
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	6

Site Nights 2024:	6
Site Nights 2023:	6
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	34

My renewal is in today's post up £40 from last year (9new for old). But as the van is 2016 model we shall probably move to market value this time.

-------------
Grahame

Mrs. Bonce

via mobile 13/1/2022 at 3:55pm
Location: Luton (no jokes plea
Outfit: Coachman and Hyundai

View Profile

Quote

Joined: 05/6/2006

Diamond Member

Forum Posts: 12700

Site Reviews Total:	384

Site Reviews 2024:	21
Site Reviews 2023:	26
Site Reviews 2022:	37
Site Reviews 2021:	26
Site Reviews 2020:	11
Site Reviews 2019:	30
Site Reviews 2018:	31

Site Nights 2024:	102
Site Nights 2023:	119
Site Nights 2022:	154
Site Nights 2021:	140
Site Nights 2020:	63
Site Nights 2019:	132
Site Nights 2018:	134

Dave, do you know the current value of your caravan?6

Mick S.

13/1/2022 at 4:57pm
Location:
Outfit:

View Profile

Quote

Joined: 18/8/2004

Diamond Member

Forum Posts: 3499

Site Reviews Total:	37

Site Reviews 2024:	0
Site Reviews 2023:	1
Site Reviews 2022:	1
Site Reviews 2021:	4
Site Reviews 2020:	4
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	3
Site Nights 2022:	6
Site Nights 2021:	16
Site Nights 2020:	17
Site Nights 2019:	0
Site Nights 2018:	0

I called the insurance after reading this lot. I can move from market value to new for old for another £110.
But given my van (a Lunar) cant be bought new now, i can make up a figure that i would be paid if i had a total loss (not inc equipment), to buy another decent van. I gave £7.5k for ours (2016 model), but to replace it with 'like for like' would cost me about £14k from a dealer.
The upshot being i plumped on a £20k payout for the £110 extra. That should get me a good newer van if it came to it.

bessie500

via mobile 13/1/2022 at 10:28pm
Location: Lancashire
Outfit: Volvo X60 Coachman

View Profile

Quote

Joined: 11/9/2006

Diamond Member

Forum Posts: 2094

Site Reviews Total:	2

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	2
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	11
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

Shop around as already advised, however the cost of 2nd hand vans are up way higher than 20% & new prices are sky high with long production times

Bessie

billy

14/1/2022 at 5:42pm
Location: North Essex
Outfit: Caravelair Alba 400

View Profile

Quote

Joined: 19/4/2002

Diamond Member

Forum Posts: 4364

Site Reviews Total:	39

Site Reviews 2024:	9
Site Reviews 2023:	6
Site Reviews 2022:	7
Site Reviews 2021:	10
Site Reviews 2020:	7
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	121
Site Nights 2023:	45
Site Nights 2022:	91
Site Nights 2021:	112
Site Nights 2020:	84
Site Nights 2019:	0
Site Nights 2018:	0

Law has changed at start of this yr. Insurance companies are no longer allowed to load premiums for those that renew automatically to pay for much reduced premiums for those that shop around which will probably make premiums slightly dearer for all.

-------------
Every day should be a holiday!

Mrs. Bonce

via mobile 14/1/2022 at 6:26pm
Location: Luton (no jokes plea
Outfit: Coachman and Hyundai

View Profile

Quote

Joined: 05/6/2006

Diamond Member

Forum Posts: 12700

Site Reviews Total:	384

Site Reviews 2024:	21
Site Reviews 2023:	26
Site Reviews 2022:	37
Site Reviews 2021:	26
Site Reviews 2020:	11
Site Reviews 2019:	30
Site Reviews 2018:	31

Site Nights 2024:	102
Site Nights 2023:	119
Site Nights 2022:	154
Site Nights 2021:	140
Site Nights 2020:	63
Site Nights 2019:	132
Site Nights 2018:	134

Where is the OP?

saxo1

14/1/2022 at 6:38pm
Location: None Entered
Outfit: None Entered

View Profile

Quote

Joined: 29/10/2005

Diamond Member

Forum Posts: 4489

Site Reviews Total:	0

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

Quote: Originally posted by billy on 14/1/2022
Law has changed at start of this yr. Insurance companies are no longer allowed to load premiums for those that renew automatically to pay for much reduced premiums for those that shop around which will probably make premiums slightly dearer for all.

The law specifically states home and motor policies,I'm not sure it covers caravans?
Just done some research and it appears the law applies to all non investment contracts.
saxo1

Post last edited on 14/01/2022 18:49:06

iank01

15/1/2022 at 10:39am
Location: Worcestershire
Outfit: Buccaneer Cruiser

View Profile

Quote

Joined: 30/6/2004

Diamond Member

Forum Posts: 4062

Site Reviews Total:	5

Site Reviews 2024:	1
Site Reviews 2023:	0
Site Reviews 2022:	0
Site Reviews 2021:	1
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	0

Site Nights 2024:	5
Site Nights 2023:	0
Site Nights 2022:	0
Site Nights 2021:	10
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	0

Quote: Originally posted by saxo1 on 14/1/2022

Quote: Originally posted by billy on 14/1/2022
Law has changed at start of this yr. Insurance companies are no longer allowed to load premiums for those that renew automatically to pay for much reduced premiums for those that shop around which will probably make premiums slightly dearer for all.

The law specifically states home and motor policies,I'm not sure it covers caravans?
Just done some research and it appears the law applies to all non investment contracts.
saxo1

Post last edited on 14/01/2022 18:49:06

However as the CAMC do not offer caravan insurance, they probably should not be affected by the law? CAMC offer in house Caravan Cover.

SGThomas

15/1/2022 at 11:11am
Location:
Outfit:

View Profile

Quote

Joined: 16/10/2007

Diamond Member

Forum Posts: 6707
Tent Reviews: 1

Site Reviews Total:	116

Site Reviews 2024:	0
Site Reviews 2023:	0
Site Reviews 2022:	4
Site Reviews 2021:	0
Site Reviews 2020:	0
Site Reviews 2019:	0
Site Reviews 2018:	15

Site Nights 2024:	0
Site Nights 2023:	0
Site Nights 2022:	40
Site Nights 2021:	0
Site Nights 2020:	0
Site Nights 2019:	0
Site Nights 2018:	98

I use Cover4Caravans...my premiums actually reduced this year by 11%

In order to post a reply you will need to register, or if already registered please log in here

Prev Next
Jump To Page: 1 2
Quick Links - All Forums - Caravans and Caravanning - Top of Page

Printable version

Latest News, Discounts and Competitions see all...

6172 Visitors online !

Free UKCampsite.co.uk Window Sticker - Recommend to Friend - Add a Missing Campsite

[Message Forums] [Caravan Sites & Camping] [Company Listings] [Features / Advice] [Virtual Brochure] [Shop!]
[Reception] [Competitions] [Caravans & Motorhomes For Sale] [Event Diary] [Contact Us] [Tent Reviews]

Please note we are not responsible for the content of external sites & any reviews represent the author's personal view only. Please report any error here. You may view our privacy and cookie policy and terms and conditions here. All copyrights & other intellectual property rights in the design and content of this web site are reserved to the UKCampsite.co.uk © 1999 - 2024

UKCampsite.co.uk
2024 Advent Calendar

24 Daily Prizes PLUS a Christmas Day Star Prize worth £999

Request a Reminder