LV insurance

[Ozi]

Im with LV as well. Only issue I had was when I tried to get a quote online via their campervan link, it clearly wasn’t working properly and I got linked to the basic commercial van algorithm for the quote.

So just rang them and did it via the phone. No issues at all otherwise and have used them before for cars and never had an issues with them. They were very competitive for the campervan.

 

[D0wnin]

Added 3 mods to my policy today. No issues at all, very quick to do. No admin fee but of course had to pay an extra 50 to add the mods!

 

[Niall.b]

no issues either, tenner to change to motor caravan after the conversion and £4 to declare alloy wheel and suspension changes

 

[Carlt68]

All good here.... started on the website, rang to confirm 'agreed valuation'.... they changed it to Campervan policy so everything is covered... and only £20 more than the smart car!!

 

[interbear]

I have a multi car policy with LV which is decent value.

Picking up our new VW camper conversion early March. The converter recommended Safeguard insurance. Policy looks good and they specialise in campervan/motorhome insurance, which is reassuring. Their quote was £551. I called LV who advised that they could add the campervan to my multicar policy. Talked through it with them, noted it would be registered as a motor caravan (which increases the personal belongings cover to £1k vs £300 on their standard car cover), plus they confirmed that the conversion fixtures and fittings are covered (furniture, poor-top bed, fridge, cooking, awning etc), added alloy wheels. LVs quote was £280. I did ask what valuation they out on the campervan and they said “market value”, so I hope that actually covers what I am paying! See below for query on that.

Couple of additional benefits that Safeguard provide:
- Safeguard include EU breakdown cover - but I’m pretty sure I get that for 3 years from VW as it’s a new van.
- Safeguard also includes 365 days EU travel cover. LV is 180 days which is enough for us.

So, LV seems good value but one strange thing that’s bugging me is they said is that the van will be noted as petrol / manual on the policy despite me telling them it was diesel / automatic. Apparently that’s just standard for their campervan policy and won’t make a difference. I think it makes a significant difference to “market value” though

 

[Curryzz]

I had exactly the same phone call, it put me off. I think I’m going to try Comfort insurance when mine arrives. I also have a multi car policy so i would of preferred to keep it all with LV. Soon as it said about it not being recognised as a DSG & the fact they didn’t want to know what I paid for the vehicle it just made me loose confidence.

 

[interbear]

I had exactly the same phone call, it put me off. I think I’m going to try Comfort insurance when mine arrives. I also have a multi car policy so i would of preferred to keep it all with LV. Soon as it said about it not being recognised as a DSG & the fact they didn’t want to know what I paid for the vehicle it just made me loose confidence.

Indeed. Not recognising diesel and automatic is a wee bit strange. I‘m going to call back again to clarify, I also want them to email me the policy details so I can go over it in detail. I also specifically told them the value and they didn’t note it, just mentioned market value. In all other respects it seems a reasonable policy for a reasonable price and like you, the simplicity of including the campervan on a multicar policy appeals.

Hadn’t heard of Comfort, I’ll go take a look at them too. One thing I liked about Safeguard is that my converter was listed on their site, so they know their conversions.

 

[Ozi]

I have a multi car policy with LV which is decent value.

Picking up our new VW camper conversion early March. The converter recommended Safeguard insurance. Policy looks good and they specialise in campervan/motorhome insurance, which is reassuring. Their quote was £551. I called LV who advised that they could add the campervan to my multicar policy. Talked through it with them, noted it would be registered as a motor caravan (which increases the personal belongings cover to £1k vs £300 on their standard car cover), plus they confirmed that the conversion fixtures and fittings are covered (furniture, poor-top bed, fridge, cooking, awning etc), added alloy wheels. LVs quote was £280. I did ask what valuation they out on the campervan and they said “market value”, so I hope that actually covers what I am paying! See below for query on that.

Couple of additional benefits that Safeguard provide:
- Safeguard include EU breakdown cover - but I’m pretty sure I get that for 3 years from VW as it’s a new van.
- Safeguard also includes 365 days EU travel cover. LV is 180 days which is enough for us.

So, LV seems good value but one strange thing that’s bugging me is they said is that the van will be noted as petrol / manual on the policy despite me telling them it was diesel / automatic. Apparently that’s just standard for their campervan policy and won’t make a difference. I think it makes a significant difference to “market value” though

If it’s a new conversion in a brand new van, pretty sure that you’ll get new for old for the first year. That’s what LV told me when I took mine out.

 

[Ozi]

If it’s a new conversion in a brand new van, pretty sure that you’ll get new for old for the first year. That’s what LV told me when I took mine out.

And LV also include 189 days EU cover as standard if you were thinking of going over the channel

 

[interbear]

If it’s a new conversion in a brand new van, pretty sure that you’ll get new for old for the first year. That’s what LV told me when I took mine out.

Correct. Just off the phone with LV and they confirmed exactly that. New for Old for first 12 months, then market value. As a comparison, Safeguard do New for Old for 24 months.

LV also confirmed that the "motor caravan" part of their policy includes all conversion fixtures and fittings - furniture, cooking, fridge, beds, pop-top, awning etc. Anything specified on the receipt from the converter is covered effectively. The only additional item I had to specify was Alloy Wheels as they are not factory standard.

Still a little confused as to why they always note all vans, including motor caravans, as petrol/manual. I queried this again and was told that it's standard policy but would not impact a claim (or value) for my diesel/automatic van. I have asked for an email to confirm this so that I have a record of it and they are going to send me that today sometime, along with the motor caravan policy doc.

And LV also include 189 days EU cover as standard if you were thinking of going over the channel

Also correct. Almost. 180 days EU cover as standard, which is important as we have family in France so will be there quite regularly. 180 days is enough for us, Safeguard include 365 days.

I'm still leaning towards LV to keep everything in one multi-car policy. Oh....and it's £280 with LV vs £525 with Safeguard. I'll see what the email tells me later and then decide.

 

[Kevin]

I thought Safegaurd was new for old for three years. They covered contents of then. Many companies wouldnt. You dont get a replacemnt vehicle if yours is in for repair. But they paid out for my garmin when it was pinched and the repairs. Took a while though. Lots of messing about with other repairs. Look at the the insurance under writers. Some better than others.

 

[interbear]

I thought Safegaurd was new for old for three years. They covered contents of then. Many companies wouldnt. You dont get a replacemnt vehicle if yours is in for repair. But they paid out for my garmin when it was pinched and the repairs. Took a while though. Lots of messing about with other repairs. Look at the the insurance under writers. Some better than others.

Definitely two years when I looked yesterday. Safeguard do provide more contents coverage than others but I’m covered for much of that via my home insurance policy (contents away from home) and the LV motorhome policy covers £1k anyway.

Safeguard also include UK/EU breakdown cover as standard - no option to remove it - which I don’t need as the new VW van has coverage for this and I also have it covered via my Nationwide bank account.

 

[interbear]

So I asked LV to email me the campervan policy document so that I could check the detail and confirm that what I was told verbally was accurate and provided sufficient cover. Specifically around exactly what conversion fixtures and fittings are covered. The person I spoke to also said that they would get their manager to email me to confirm that even though the vehicle would be noted as petrol/manual on the policy, that this wouldn’t be an issue in the event of any claim for my diesel/automatic van. They committed to send both the document and the email yesterday. Not received anything. A little more research online and it seems that others have experienced the same - no detail from LV on their campervan / motorhome policy and no willingness to confirm anything in writing.

Which is, to be honest, putting me off, despite my desire to put everything into their multicar policy for simplicity and price.

I‘m going to revisit Safeguard and Comfort given their 2 and 3 years respectively of New for Old cover, and the fact that the information I can read on their websites suggests that they really understand campervan specifics. Both also list the conversion company we are using on their website as “professionally approved converters”, so it’s reassuring that they know our van.

 

[Curryzz]

So I asked LV to email me the campervan policy document so that I could check the detail and confirm that what I was told verbally was accurate and provided sufficient cover. Specifically around exactly what conversion fixtures and fittings are covered. The person I spoke to also said that they would get their manager to email me to confirm that even though the vehicle would be noted as petrol/manual on the policy, that this wouldn’t be an issue in the event of any claim for my diesel/automatic van. They committed to send both the document and the email yesterday. Not received anything. A little more research online and it seems that others have experienced the same - no detail from LV on their campervan / motorhome policy and no willingness to confirm anything in writing.

Which is, to be honest, putting me off, despite my desire to put everything into their multicar policy for simplicity and price.

I‘m going to revisit Safeguard and Comfort given their 2 and 3 years respectively of New for Old cover, and the fact that the information I can read on their websites suggests that they really understand campervan specifics. Both also list the conversion company we are using on their website as “professionally approved converters”, so it’s reassuring that they know our van.

All the same issues Iv come up against. I think Comfort insurance will be getting my money.

 

[interbear]

All the same issues Iv come up against. I think Comfort insurance will be getting my money.

Yep. Comfort just got my money.

• LV quoted £280 but the lack of clarity on exactly what's covered (can't even get a policy doc online), no value recorded and the petrol/manual stipulation put me off. This information must surely be available and LV would, I'm sure, win more customers if they were more open with it.
• Safeguard quoted £522 - good but pricy policy but it includes breakdown cover (I don't need that). No value of van recorded either.
• Comfort quoted £341 - decent policy, they specifically cover the van from our converter (Autohaus), 3 year / 15k miles new for old, £5k belongings cover and up to 9 months EU cover. So I just confirmed this policy with them - friendly team on the phone too. I'm reassured by the fact they specialise in this area.

 

[Kevin]

Yep. Comfort just got my money.

• LV quoted £280 but the lack of clarity on exactly what's covered (can't even get a policy doc online), no value recorded and the petrol/manual stipulation put me off. This information must surely be available and LV would, I'm sure, win more customers if they were more open with it.
• Safeguard quoted £522 - good but pricy policy but it includes breakdown cover (I don't need that). No value of van recorded either.
• Comfort quoted £341 - decent policy, they specifically cover the van from our converter (Autohaus), 3 year / 15k miles new for old, £5k belongings cover and up to 9 months EU cover. So I just confirmed this policy with them - friendly team on the phone too. I'm reassured by the fact they specialise in this area.

Whos the underwriter for Comfort? You only find out how good your policy is when you claim on it.

 

[interbear]

Whos the underwriter for Comfort? You only find out how good your policy is when you claim on it.

Aviva for my policy with Comfort.