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gazza333

Im just looking to get an idea of how much it will cost me to insure a motorhome before i take the plunge and purchase one. I was putting some details into the comfort site but im confused as to what is the correct thing to do and it makes a big difference to the online quotes.

Ok quick life history - im 39 been driving for 22 years until 7 years ago i had full no claims protected no accidents / convictions etc etc. Then last 7 years had company car so didn't insure a car myself hence lost all my no claims. Earlier this year in company car a lorry cut me up on the motorway exit and forced me onto the road side pavement and then carried on. Causing two tyres to blow and two alloys damaged net result £800 insurance claim on company insurance. Police couldn't trace lorry so had to claim on our company policy.

Now the question is , i put this info in the online forms and it asks if my no claims were affected - If i say no, as really MY no claims weren't as its a company policy not mine, quote comes out at £800 with zero no claims bonus. If i say yes it affected my no claims , the quote comes out at £2200 with no no claims .

Yes I know i should ring up but im just curious if others know in a similar situation. Just want to check I can afford to run a motorhome before i purchase one. Wouldn't want to buy one then find the insurance is too expensive to make it viable.

any help

teckie

I should contact the insurance company direct as in your case they usually allow a generous discount depending on your driving record with the company car and also if you have had any accidents convictions etc...

Teckie

andyman

Me I wouldnt declare. Our own company car/van claims go through as the company.

javea03730

hI gazz333,

I am a commercial insurance broker with over 40 years experience in the
business. The basic principle in insurance is "uberime fide" - utmost good faith in simple terms. You need to declare the accident even though it was not your fault. If you did take out the cover without declaring the incident and it came to light later the insurer could repudiate liability entirely. The cost of this could be catastrophic to your personally I would strongly recommend that you contact the insurer concerned and give them the full story, make sure that they have the information in writing and confirm receipt thereof.

gazza333

think ill have to ring to find out . i will of course disclose the accident as i did to get the £800 quote. just ticked the box that said it didnt affect my no claims.
just seems very steep anyway as im not a young driver and have a nearly unblemished driving history except for this one incident. Wasnt expecting it to be any where near so high.

many thanks for the comments so far

rickwiggans

My advice would be don't even think about not declaring it. Insurance companies exchange information - you would have a very high chance of it coming out at some stage.

javea03730

A further thought for you to ponder, if you can get your employer to issue a letter on company letterhead confirming that you have been driving a company car, including social domestic and pleasure use, for 7 years (or however long it actually is) you may find that this will help as the insurer will have something concrete to confirm what you are saying about your driving record. They like these things backed up, you know! They will often allow quite a substantial introductory no claim bonus in these circumstances. Don't know how old you are but if 50+ try Saga they can be quite helpful.

jonnyboy

Quote
'A further thought for you to ponder, if you can get your employer to issue a letter on company letterhead'

I had a similar problem two months ago, when I insured my first motorhome. Web forms do not give provision to accommodate the company car driver. I started ringing companies and I then went back and forth several times with my company vehicle department to clarify the 'terminology' that would determine which accidents would effect my quote and which ones wouldn't. You do need a letter from your company to list accidents, blame etc although you are not required to send this to the insurance company - it will be required in the case of an accident thought.
Despite having had several accidents myself once I had got the 'what does and doesn't count' sorted between the insurance company and my own company I was awarded an introductory 3yrs no claims quote.
Having started with quotes similar to yourself I finally got full cover for £276.

gazza333

thanks for all the advice . After many quotes ranging from £2400 with comfort £1033 with c&cc NFU £540 I finally got insurance with shield including full uk and european breakdown cover for £438. Seems ok with me so just the rest of the things to sort out now prior to delivery of my motorhome.

All the best
gary