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Topic: Caravan Insurance Hike?

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Dave11

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

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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
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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

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blueexpo97

13/1/2022 at 12:57pm
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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.

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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

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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

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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
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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
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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+

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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.

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Grahame

Mrs. Bonce

via mobile 13/1/2022 at 3:55pm
Location: Luton (no jokes plea
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Dave, do you know the current value of your caravan?6

Mick S.

13/1/2022 at 4:57pm
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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

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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

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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.

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Every day should be a holiday!

Mrs. Bonce

via mobile 14/1/2022 at 6:26pm
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Where is the OP?

saxo1

14/1/2022 at 6:38pm
Location: None Entered
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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
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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
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I use Cover4Caravans...my premiums actually reduced this year by 11%

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