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Subject Topic: Insurance
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PersonRob12
19/7/2015 at 5:38pm
 Location: Kent
 Outfit: Lunar Clubman ES View Rob12's Profile View Profile   Reply to Rob12 Reply   Quote Rob12 Quote  
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Hi

Out van is 11 years old but in great condition. Currently with cc for insurance. Been good over last for years but no claim.

My wife had a car accident recently and had gap insurance so all worked well.

We were wondering re caravan insurance new for old, cc wont cover as our van missed one service!!

Caravan guard have quoted new for old for decent premium, any one got any views on them, as want decent insurance not just cheapest.

Regards
Rob


Persontango55
19/7/2015 at 5:58pm
 Location: Lichfield
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Caravan Guard have had some excellent reviews on here especially where claims are concerned as the underwriters are Royal Sun Alliance which is the company that insure all the cars for the disabled 'Motability' scheme so are a well established company.
However, if you pay by cash for the annual payment it shouldn't be a problem but if you wish to pay monthly like I do then you have to make an appplication via a credit company which they then conduct a credit search which obviously affects your credit rating. Because of this I changed to Saga caravan insurance which was £12 cheaper anyway but you have to be over 50 years of age to be able to insure with them.


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PersonRob12
19/7/2015 at 7:13pm
 Location: Kent
 Outfit: Lunar Clubman ES View Rob12's Profile View Profile   Reply to Rob12 Reply   Quote Rob12 Quote  
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Thanks for all the info, another 10years fir saga.


Persontango55
19/7/2015 at 10:04pm
 Location: Lichfield
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The one caravan insurance company to steer clear from is E&L as the feedback on here has been appalling with refusals to pay out in the event of a claim and those that did eventually get paid received nothing but hassle and a long unjustified waiting time.


PersonJuanHuNose
19/7/2015 at 10:23pm
 Location: None Entered
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Can only second what tango55 has posted.

E&L have an abysmal reputation, they also do pet insurance but seem to have the same attitude to claims there as well. There is a notice up in our vets to the effect that they won`t do insurance work on pets insured through E&L.

We stick with the CC for our van insurance. They aren`t the cheapest, but apparently are easy to deal with if a claim is made, and only require one form of security with no silly clauses about unattended parking.


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PersonRob12
20/7/2015 at 9:58am
 Location: Kent
 Outfit: Lunar Clubman ES View Rob12's Profile View Profile   Reply to Rob12 Reply   Quote Rob12 Quote  
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Thanks, yes know about E & L


Personclbewi
20/7/2015 at 12:37pm
 Location: Essex
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Quote: Originally posted by tango55 on 19/7/2015
Caravan Guard have had some excellent reviews on here especially where claims are concerned as the underwriters are Royal Sun Alliance which is the company that insure all the cars for the disabled 'Motability' scheme so are a well established company.
However, if you pay by cash for the annual payment it shouldn't be a problem but if you wish to pay monthly like I do then you have to make an appplication via a credit company which they then conduct a credit search which obviously affects your credit rating. Because of this I changed to Saga caravan insurance which was £12 cheaper anyway but you have to be over 50 years of age to be able to insure with them.

What's wrong with having a credit search done? Any credit you apply for they will do a search obviously .




-------------
Claire and Colin


Persontango55
20/7/2015 at 11:26pm
 Location: Lichfield
 Outfit: Coachman Amara 450 View tango55's Profile View Profile   Reply to tango55 Reply   Quote tango55 Quote  
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What's wrong with having a credit search done? Any credit you apply for they will do a search obviously.

          _______________________________________


I'm talking about insuring a 1999 caravan for around £80 per year so is it really worth having a credit search conducted for that small amount?
Saga didn't do a credit search on me when I took out caravan or car insurance with them and I pay on a monthly basis for both of these.
However, I can quite understand having a credit search conducted for larger sums of borrowing but if you had any intention of applying for finance within the following six months then the credit application for insurance purposes would be accounted for and possibly affect your application.
That's what's wrong with having a credit search done for a small amount.


Personcheckley1973
20/7/2015 at 11:46pm
 Location: Sheffield
 Outfit: Sterling Eccles Sport 636 View checkley1973's Profile View Profile   Reply to checkley1973 Reply   Quote checkley1973 Quote  
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Quote: Originally posted by Rob12 on 19/7/2015
Hi

Out van is 11 years old but in great condition. Currently with cc for insurance. Been good over last for years but no claim.

My wife had a car accident recently and had gap insurance so all worked well.

We were wondering re caravan insurance new for old, cc wont cover as our van missed one service!!

Caravan guard have quoted new for old for decent premium, any one got any views on them, as want decent insurance not just cheapest.

Regards
Rob


I always thought there was a maximum age of van on new for old policies? Mine is 5 years


Persontango55
20/7/2015 at 11:50pm
 Location: Lichfield
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I always thought there was a maximum age of van on new for old policies? Mine is 5 years.

        _____________________________________________


I thought 5 years was the maximum limit for a 'new for old' policy as well.


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PersonRob12
22/7/2015 at 8:15pm
 Location: Kent
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Caravan guard do new for old upto 15 years


Personcheckley1973
22/7/2015 at 8:49pm
 Location: Sheffield
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Quote: Originally posted by Rob12 on 22/7/2015
Caravan guard do new for old upto 15 years


Wow must make their premiums expensive.


Personiank01
23/7/2015 at 9:36am
 Location: Worcestershire
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Quote: Originally posted by Rob12 on 19/7/2015
Hi

Out van is 11 years old but in great condition. Currently with cc for insurance. Been good over last for years but no claim.

My wife had a car accident recently and had gap insurance so all worked well.

We were wondering re caravan insurance new for old, cc wont cover as our van missed one service!!

Caravan guard have quoted new for old for decent premium, any one got any views on them, as want decent insurance not just cheapest.

Regards
Rob


I have never heard of anything where the CC will not insure a caravan because it has missed a service. It does state though that the caravan should be maintained and roadworthy.


Personsubaru
23/7/2015 at 2:00pm
 Location: Warwickshire
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After several like for like quotes I insured with Caravan Guard yesterday.

They were 12% less than CCC Clubcare renewal who I have been with for 5 claim free years and 50% less than the Caravan Club.


Personsaxo1
23/7/2015 at 2:15pm
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I have never heard of anything where the CC will not insure a caravan because it has missed a service. It does state though that the caravan should be maintained and roadworthy.

Caravan Club super 5CS policy new for old requires a caravan over 5 years old to to be servicd annually at a competent caravan workshop.
saxo1


Personblueexpo97
23/7/2015 at 2:26pm
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Quote: Originally posted by checkley1973 on 22/7/2015
Quote: Originally posted by Rob12 on 22/7/2015Caravan guard do new for old upto 15 years


Wow must make their premiums expensive.


Nope, and cheaper than the CCC by quite a bit.

-------------
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.



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