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 Topic: Insurance, How to value?
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23/1/2013 at 9:22pm
Location: North East England
Outfit: None Entered
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I have insured my Swift Challenger 530 2006 with Caravan Guard for last Three years on Market value basis
BUT NOT ANY MORE....READ ON......
Each year my renewal notice gives a renewal premium based on the existing market value,and invites me to check with them what the current value is so that I do not pay more than necessary.
I ring them up,get new Glass's value for van from them,(nothing else changes),and they are able to reduce my premium by a few pounds.Worked well last few years.
This year they sent me a quote for renewal premium of £155,based on last years market value of van of £8300.
The current value has now dropped to £7825,and the chap said,err sorry about this but we will put your premium UP to £164...What the F***K........
I gave him an ear bashing !,listened to Vivaldi for a few minuets,whilst he went off to speak to his superiors.
Apparently they have a MINIMUM TOTAL COVER(van plus every thing else) insured value of £10000,and I had now dropped to £9825,apparently loosing discounts by doing so.
Chap said he thought Glass's tend to under value so they could just leave figures as they were (last years £8300)and charge £155 as original quote.
I said I bet he would not be saying that when possibly dealing with a claim in a few months time,and I would be offered glass's bottom book value!!
I said there was no point in my being over insured,so I would shop around first.Chap couldn't give a toss... so much for customer loyalty.
So far I am getting quotes ranging from £133.07 to £171.79 for exactly same details for cover.
Probably going to go with Caravan Club who come in at £160.98.
Whilst I could pay £155 and stay with Caravan Guard I would rather pay a fiver more than get stuffed,I feel they have just stuck two fingers up to me.
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