Enough is enough the hunt is over :? so if you've nothing better to do you can see some comparisons. Finally decided to stay with MCIA, mainly because Comfort want to fix mileage - but, when /if we move to York, the quotes are dropping by up to 1/3.
Insurance quotes: Full Comprehensive; VWT4 2.5 TDi; Bilbo campervan conversion; Thatcham Cat I alarm; RHD; c.£35k; 2 drivers clean licence; full no claims + protection; garaged at home address;
Caravan Club [use Equity]£2000 personal effects; 60 days Continental use- verbal info only no written details! - never managed to get much written details for Mhomes! 1st quote £294 2nd £314.
Comfort [use Norwich] £2000 personal effects and camping equipment [max £250 per item] can be increased to £5000;; 12 months Continental use;.- hire car for no fault claim. mileage limit 8000, includes cover for gas explosion. 1st quote £350 2nd £360 incr to 10,000 miles
MCIA [use NIG] £2000 personal effects; £1000 t tent awnings; 12 months Continental use- apply for Green Card for 1st trip then go as u please.- hire car for no fault claim. 1st quote £365 2nd £328. existing insurer looking to match lower quotes.
MotorCaravanWise [use NIG]£2000 personal effects; Green Card available period not stated; hire car for no fault claim. £365
Saga [Saga] £1,500 personal effects [max £100 per item]; £500 t tent, gas cylinders; max of £1,500 awnings, up to £700 TV or audio [max £350 per item] 60 days Continental use- hire car available.£365
Considerable discrepancy on what is meant by 'Social Domestic Pleasure', excludes attending part time college courses for CC, MCW and Saga. MCW and Saga refused cover for 'commuting'.
There were numerous errors in details sent back from most firms, so double check all documentation and negotiate, both Comfort and MCIA improved their quotation, CC charged extra £20 'cos 1st quote based on 2.4 engine!
Comfort were easiest to deal with, and also look to offer good, linked deal with house insurance.
Check cover is what you want, I tried to swap unlimited European cover for unlimited mileage with Comfort as this would be more appropriate for us, - no deal unfortunately, but always worth a try.
Breakdown cover not taken but best deal available from Comfort with MCIA 2nd.
Also contacted C & CC - similar to CC but at £348!, and Safeguard following Dodgers post similar to Comfort and MCIA, but they were confused about the commuting element.
roll on next january