Camper Insurance quotes
- Thread starter craige101
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- camper insurance
Yes - the ‘logic’ they use is let’s see how much we can screw this one over.
I’ve had vehicle insurance, sometimes four policies (for different vehicles per year), for decades.
Tried a lot of companies in all that time. Every year my car value goes down, I get another years no claims (they cap this so over 30 years of dodging accidents counts the same as 8, or 9, or 12… depending on the company). Most put the premium up every year now, in the last couple of years the trend seems to be to just arbitrarily double the previous premium cost - not much logic going on there.
I call and ask why? ‘Uhm, various factors.’
Can you tell me those factors? ‘No, there’s various factors.’ (Like explaining more than one thing is impossible).
Can you tell me one of those factors?
‘There are various factors. One might be insurance tax.’
I see, and I know it did go up by 2%. Can you explain the other 48% increase? ‘Well, there are various factors.’.
Sometime they’ll admit it’s just down to the algorithm.
Logic is built into these - but like anything computer based - if you put trash in you get trash out.
Basically they know we have no choice but to pay and they know the regulator is toothless these days and they want profit - like any business needs and wants.
But tell them you’re going to shop around… ‘Oh, well if anyone beats our quote (highly likely as this charade happens every year and we all know how it ends) then get back to us and we’ll try and match it’.
And all of a sudden their logic and algorithms go out the window - ‘Oh, well can match that, would you like to renew with us after we just told you various factors would double your cost and there was nothing we could do about it?’
Logic, my…
Indubitably.
A couple of years back I moved house. The new place is a lower risk area, that is to say less reported autocrime, criminal damage, and significantly less recordable and reportable RTCs.
So by the yardstick of risk that insurers insist they use it was a significantly safer bet.
However, it is a more affluent area. Bigger houses, higher average income, all the trappings.
So did my insurers put my insurance down because of the demonstrably lower risk, or try and put the price up because of the higher indices of wealth?
No prizes for guessing which they wanted to do, and they only relented when I threatened to take it to the ombudsman (it's considered a financial service so the Financial Services Ombudsman covers their activities.)
Another blatant indicator of the bull the industry peddles.
In any other field of endeavour such deception would be considered a criminal act of fraud, yet insurers think it's perfectly acceptable.
This sort of ties in with what some insurance industry insider let slip on Radio 4 years back.
He said policy pricing took into account a clients ‘propensity to spend’ adding that if customers wanted to keep their car premium down they shouldn’t opt in for any of the extras such as legal cover, additional injury cover, any additional windscreen cover etc.
He said the more of those customers add the more they demonstrate they are willing to pay extra for ‘a premium product’.
So customers thinking they were simply paying for cover were, apparently, telling their insurers they want to pay more.
Bet he got a kicking when he got back to the office.
Howdens haven't got my quote for me today even though I told them on Sat. This is the 26 day prior to renewal sweet spot to get my quote. I feel let down.
Called comfort insurance and they aren't willing to give me a quote until I send photos of the van? Never had that. Only then will they submit my details to their under writer to consider insuring me... the lady was asking if I was fitting the poptop myself... no I am not. Will i be fitting a poptop in the next 90 days.... no I will not. She seemed to think I had already started installing a poptop.... so confused
Need to try elsewhere
Called comfort insurance and they aren't willing to give me a quote until I send photos of the van? Never had that. Only then will they submit my details to their under writer to consider insuring me... the lady was asking if I was fitting the poptop myself... no I am not. Will i be fitting a poptop in the next 90 days.... no I will not. She seemed to think I had already started installing a poptop.... so confused
Need to try elsewhere
I don’t think this counts as being refused insurance, just a company declining to quote (which you don’t need to worry about or declare).
Think refused means if you accepted a quote then the insurer cancels it because they found something out you didn’t declare.
No. The question "have you ever had insurance refused, declined or cancelled?" relates to being refused/declined/cancelled insurance to due to fraudulent activity such as crash for cash or making a false declaration.
Having for many years been with Safeguard(Swinton) and always pleased when obtaining a quote until today when my premium renewal notice arrived and to quote "Your current insurer has not provided a renewal quote this year. Don’t worry though we’ve searched our panel of insurers and the lowest price is from Ageas Insurance Limited." that lowest price was £3,019 a huge increase from last year at £848 so a phone call was in order with the outcome a reduction of just under £700, the crux of the matter being I am 90 years of age and it would seem Ageas were the only underwriters prepared to give me cover. Today as on previous occasions Safeguard were extremely accommodating.
It’s in plenty of threads is you search but give the ‘Specialist Commercial Van’ section a ring at Howdens in Thatcham. They deal specifically with converted/modified commercials. I was recommended them by @Pauly on here and I’ve used them for the past two years. All mods covered and all future mods covered.
Here’s the contact number for the van desk direct.
01635 879910.
Mention the T6 Forum for discount.
HTH.
Here’s the contact number for the van desk direct.
01635 879910.
Mention the T6 Forum for discount.
HTH.
Iv just insured for £450 with Adrian Flux. Value of the camper being 55k with a number of mods and 6 points on the licence! Not too bad considering I don’t think. Europe cover included and annual mileage of 5k as it’s not a daily.
Some online quotes from the comparisons were coming out at £900+
Some online quotes from the comparisons were coming out at £900+
Thankfully I'm 90 from the neck down only.
Would it be much cheaper if you do think?
Had a quote back today from Howdens of £860. 10k miles/yr. Camper conversion and various mods declared with 3 drivers and foreign travel for 30 days. Also has commuting.
I wasn't too upset by it, so hard to cover all the potential pitfalls of misinforming on initial declaration.
I wasn't too upset by it, so hard to cover all the potential pitfalls of misinforming on initial declaration.
