Insurance

[SYL]

Hi,

I have just had my renewal quote from Flux and it has gone up around £280. Who is everyone using as their campervan insurance provider?

Edited May 21 by SYL

[Bracey]

Hi.  I haven't bought mine yet (2005 2.4 Hybrid) but Adrian Flux quoted £812 online and £792 when I called them.  I assumed I'd have to go through a specialist like them, being an import car.    

 

But I've just been on Compare the Market and I've got quotes from £496 (cheapest) and £504 (Aviva Premium) for a policy with all of the available add-ons included.  

Edited May 21 by Bracey
More information about the policy

[luscombe lady]

Hi Syl,  Ive had a big motorhome before, but I searched a lot for insurance when I put deposit on my Vellfire yesterday. Confused.com got me best offer with Caravan and MotorhomeClub (Devitt Insurance) and I've been with them before = through confused.com at present they are giving the first year of membership to Caravan and Motorhome Club free (usually £66.50) which gives good discounts on breakdown insurance and also access and discounts on the club campsites. Mine was £356.44, and I opted for additional legal cover £29 so a really competitive offer and they are good insurers used to dealing with campervans.  Good luck. Betty

[Rojie]

I was with Aviva, but they stopped providing insurance for Campers.

They were very good.

[Rojie]

2 hours ago, luscombe lady said:

Hi Syl,  Ive had a big motorhome before, but I searched a lot for insurance when I put deposit on my Vellfire yesterday. Confused.com got me best offer with Caravan and MotorhomeClub (Devitt Insurance) and I've been with them before = through confused.com at present they are giving the first year of membership to Caravan and Motorhome Club free (usually £66.50) which gives good discounts on breakdown insurance and also access and discounts on the club campsites. Mine was £356.44, and I opted for additional legal cover £29 so a really competitive offer and they are good insurers used to dealing with campervans.  Good luck. Betty

 

Hello Betty,

 

Welcome to the Forum.

[Garyc]

Morning i am new to the club as I have just purchased an Alphard Hybrid campervan, we just paid £445 for comprehensive insurance with a Company called Ripe 

[Rojie]

3 hours ago, Garyc said:

Morning i am new to the club as I have just purchased an Alphard Hybrid campervan, we just paid £445 for comprehensive insurance with a Company called Ripe 

 

Hello Gary,

 

Welcome to the Forum.

 

Quite a reasonable cost.

[SYL]

Hi Gary,

I have just done a quote with them and it came in at £369, impressive! Beats nearly £900 with Flux. Just going through all the small print lol. They will not cover commuting? I don't use it for that but just need it just in case my car has to go in garage. I will see what they say when I call them, thanks 😊 

[Garyc]

Hi ours doesn't include commuting but I did add full breakdown, protected no claims etc, there reviews seem pretty good 

[SYL]

On 5/22/2025 at 8:46 AM, luscombe lady said:

Hi Syl,  Ive had a big motorhome before, but I searched a lot for insurance when I put deposit on my Vellfire yesterday. Confused.com got me best offer with Caravan and MotorhomeClub (Devitt Insurance) and I've been with them before = through confused.com at present they are giving the first year of membership to Caravan and Motorhome Club free (usually £66.50) which gives good discounts on breakdown insurance and also access and discounts on the club campsites. Mine was £356.44, and I opted for additional legal cover £29 so a really competitive offer and they are good insurers used to dealing with campervans.  Good luck. Betty

Hi Betty 

Just done a quote with them and it's £757 exc legal cover! To expensive for me 

[SYL]

18 minutes ago, Garyc said:

Hi ours doesn't include commuting but I did add full breakdown, protected no claims etc, there reviews seem pretty good 

Hi Gary,

I can't have Protected no claims because I only have 2 years on campervan. 

 

The small print says my immobiliser needs to be Thatcham approved how do I know if it is if it is a factory fitted one?

[Garyc]

Hi the application just asked if it was factory fitted which it is, I didn't look any further than that in afraid

[smurf]

39 minutes ago, SYL said:

Hi Gary,

I can't have Protected no claims because I only have 2 years on campervan. 

 

The small print says my immobiliser needs to be Thatcham approved how do I know if it is if it is a factory fitted one?

The factory fitted immobiliser won't be Thatcham approved. 

 

I'm insured with Caravan Guard. They take a lot of details, but it means nothing is left to chance. The only downside with them is that it does have to a professional conversion and they do ask who did it. If it isn't on their list they won't offer cover. I can't remember the cost off the top of my head, but it was very reasonable. 

Edited Wednesday at 09:59 PM by smurf

[SYL]

34 minutes ago, Garyc said:

Hi the application just asked if it was factory fitted which it is, I didn't look any further than that in afraid

Hi Gary,

 

Yeah I put factory fitted, but then I went in the small print and found this. Unless all factory fitted are Thatcham approved?

 

 

[SYL]

3 minutes ago, smurf said:

The factory fitted immobiliser won't be Thatcham approved. 

 

I'm insured with Caravan Guard. They take a lot of details, but it means nothing is left to chance. The only downside with them is that it does have to a professional conversion and they do ask who did it. If it isn't on their list they won't offer cover. I can't remember the cost off the top of my head, but it was very reasonable. 

Ours was done Prof before I bought it not sure who buy and not got the paperwork,  but that was only the popyop, cooker, sink and internal lights and electrical equipment,  we have done everything else like heater and bed etc

[Garyc]

Yes just read that in the booklet, I would imagine it's the same with most insurers, I will look at getting a Thatcham tracker fitted 

[SYL]

Let me know what you paid for tracker and how easy it is to fit. 

[smurf]

Those conditions read to me that they only apply when they are stated in your insurance schedule. If they aren't in the schedule, then they don't apply. I'd double check with the insurer. 

[Garyc]

Yes I'm of the same opinion as it is not requested at the quoting stage,just asks if it is manufacture installed, typical insurance

[SYL]

I agree, typical 🙄 insurance trying to play on words. But it's worth checking 

[Garyc]

Let us know how you get on