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Topic: No Claims Discount

Draig

24/7/2009 at 4:39pm
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Does anyone know exactly how caravan insurers (Caravan Club in particular) work out no claims discounts? Is it only full years which count, or can you accumulate periods of less than 12 months?

I have held caravan insurance off and on since 2003:

2 years and 3 months, then one month gap
5 months, then six months gap
1 year and 1 month, then four month gap
and finally! 6 months

So am I entitled to three or four years no claims discount?

AL

jasie

24/7/2009 at 4:55pm
Location: Bath
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my guess is it would depend on the company you are insuring with.

with car insurance it usually has to be continuous and they do ask for evidence of your NCD up front.....although i know that having a break in insurance is common on motorcyles (lay up for winter) and they account for this and allow breaks, but again evidence up front.

do caravan insurers ask for evidence....or do we have to assume that this is something you have to prove at the time of a claim?

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kenles

25/7/2009 at 8:45am
Location: Gloucestershie
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Do ! you get a no claims discount on caravans as mine keeps going up year on year

jennifernn

25/7/2009 at 9:17am
Location: NW of Glasgow
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We are with the CC, they do a NCD. Our premium actually went down this year.

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Jennifer

David Klyne

25/7/2009 at 9:44am
Location: Milton Keynes
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I don't think the CC no claims bonus works like car insurance. Its only having been with the CC that you start getting the no claims discount, you can't transfer anything from another insurer. However you retain the CC no claims if you buy a new van and keep their insurance.

David

Draig

25/7/2009 at 9:47am
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Mmmm.... I've e-mailed the CC for advice giving the details I posted above. It will be interesting to hear what they say.

Thanks all.

AL

snowy747

25/7/2009 at 9:58am
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I've just swapped from the CC to Caravanguard and they honoured the continuous 3 years NCB that we have accrued.

it is down to individual insurers though so pick the company you want then ask them.

Ali

bruno69

25/7/2009 at 10:18am
Location: northampton
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when ever I have taken out a new policy for the caravan, I have usually said how many years I have had a caravan and how many years without a claim, and the insurers have usually given me discount accordingly, I have never had to submit proof of length of insurance.

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joecroft2

25/7/2009 at 10:39pm
Location: Swansea South Wales
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my caravan insurance is nearly twice the cost of my car insurance , yet i use my car every day , and the caravan about once a month all year

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brianconwy

26/7/2009 at 6:41am
Location: north wales
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'my caravan insurance is nearly twice the cost of my car insurance , yet i use my car every day , and the caravan about once a month all year '

Thats true and with catsthe premiums are so high because of the high crash statistics of young male drivers and also the cost of collisions involving people with no insurance. Caravan insurance should be a lot less than car insurance.

Brian

Draig

27/7/2009 at 4:08pm
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Have now checked with Caravanguard and Caravan Club - both will give me three years no claims discount, so I'm happy with that.

AL

emmitdb

27/7/2009 at 5:37pm
Location: Cornwall
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Greetings,

For some inexplicable reason the CC were almost double the cost of renewing with Adrian Flx.

Don't know why but there it was. Decision made for me (and I'm a member!!!)

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How come when some people visit the fountain of knowledge, they only gargle!!!

Draig

27/7/2009 at 6:37pm
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Well, it looks like the CC will have my business again. Caravanguard wouldn't even quote unless I fitted additional security. Above the usual hitchlock and wheel
clamp they wanted at least another wheel clamp but preferably an alarm. I already explained to them that the van is kept out of sight at the rear of my garden, in sight of the house, behind padlocked gates, in a very awkward spot to get in amd out of and the garden is protected by PIRs, which when they pick up movement turn on two floodlights and set off audible alarms in the house - one in kitchen, lounge and two bedrooms!

BTW - Caravan plus associated equipment (incl awning/mover, etc) £13255 and £1500 contents/personal belongings - £351 CC Standard 5Cs, new for old for three years.

AL

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